H1 FY23 Financial Performance

Trading Update¹ PAYMENTS BUSINESS: • Strong start to H2 FY23 Transaction value 1 January 2023 to 24 February 2023 - $6.3 billion, up . 23% on pcp > Victoria ↑ 27% > NSW ↑ 28% Queensland ↑ 24% > WA ↑ > SA ↑ 22% 44% > Other (includes Bendigo Alliance) ↑ 5% BANKING BUSINESS: • Loan originations 1 January 2023 to 24 February 2023 - $22.5 million, up 30% on pcp GROUP: • Normalised gross profit for January 2023 up 39% to $15.4 million (pcp: $11.1 million) • EBITDA for January 2023 - $3.6 million • Operating leverage for January 2023 - 76.6%² ....1234 tyro 45482% Both the months of December and January typically have a lower expense base as leave provisioning credits are taken to the Statement of Profit and Loss. The operating leverage is not indicative of performance for the remainder of the year. 19 1 These numbers are based on unaudited management accounts that have not been independently reviewed or verified. 2

View entire presentation