H1 FY23 Financial Performance

1 Banking Opportunity Total merchants vs. activated accounts 66,884 Total Merchants 6,400 activated Tyro bank accounts <10% Tyro Bank Account Customer Penetration Targeting 20% Banking contribution to Group gross profit by FY27 Banking contribution to Group gross profit 4.4% 3.5% 2.4% 1.4% FY20 FY21 FY22 H1 FY23 20.0% FY27 Interest income on lending product¹ 24.4% Average annualised 18.9% interest income on loans Average annualised interest income on loans H1 FY22 H1 FY23 Significant Opportunity to Grow Banking Business 6,400 activated accounts - <10% of the total merchant base $95.0 million in deposits from 6,400 activated accounts 1,538 total loans drawn down in the period (H1 FY22: 879) - average loan size of ~$47,300 Over 25,000 open but inactive accounts Ability to fund lending + working capital at a stable and attractive cost of funding Access to merchant deposits from an unrestricted banking licence Comparative cost of funding from deposits significantly cheaper than warehouse type funding arrangements Interest income on the lending product is calculated as interest income on loans divided by the average monthly loan balance. ས 7

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