Investor Presentaiton

MEDIUM TERM TARGET Leveraging Our Scalable Platform to Accelerate Growth Tyro is well positioned to continue to accelerate growth over the medium term. 1 3 2 Tailored payment solutions for verticals drive strong merchant base and transaction value growth Delivering benefits of scale Strategic partnerships with large organisations Gross profit 116.4% 114.2% 110.3% 104.7% 96.1% Number of merchants Transaction value 89.7% 88.2% CAGR - 59% CAGR - 29% 58,186 $25.5b 29,031 $17.5b $32.8m $69.1m $56.0 $46.2m $83.3m $93.5m FY15 IPO FY21 IPO FY21 FY16 FY17 FY18 FY19 FY20 Operating expenses to gross profit margin $119.7m FY21 Normalised results. Bendigo Bank Powered by tyro Other organisations 4 Strategic investments to enhance our platform's capability me&u + Medipass Add new verticals Increase share in existing verticals Increase share of TAM beyond current 3.8% Operating leverage as platform continues to scale Will underpin EBITDA growth and margin expansion Explore opportunities to partner with other organisations to deliver step change in segment share gains Paypa Plane 'Bolt on' opportunities/ partnerships/investments to enhance merchant solutions remain in appetite Demonstrated capability post IPO 5 сл

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