Investor Presentaiton

EML Payments H1 FY2022 Financial Results Analyst Briefing Data - FY2020-FY2022 Key Financials ($'000s) General Purpose Reloadable Gift & Incentive Digital Payments Digital Payments - Sentenial Gross debit volume (GDV) General Purpose Reloadable Gift & Incentive Digital Payments H1 2020 H2 2020 6mnths $1,465,909 $838,729 $4,311,602 6mnths $2,768,260 $336,240 $4,155,186 FY 2020 12 mnths $4,234,169 $1,174,979 $8,466,788 H1 2021 H2 2021 FY 2021 6mnths $4,874,500 $750,177 $4,587,636 6mnths $4,868,096 $356,126 $4,241,851 12 mnths $9,742,596 H1 2022 6 mnths $6,264,905 $1,106,303 $8,829,487 $911,099 $6,616,240 $7,259,696 $13,875,936 $10,212,313 $9,466,077 $4,925,509 $19,456,637 $19,678,386 $31,558,151 $13,160 $40,137 $28,706 $28,034 $41,866 $54,435 $59,112 $113,547 $69,578 $68,171 $34,982 $35,267 $70,249 $37,130 $5,525 $5,137 $10,662 $5,789 $4,495 $10,284 $5,017 $2,680 $334 $59,156 $597 $62,474 $931 $121,630 $123 $95,329 ($27) $98,847 $96 $194,176 $11 $114,416 Digital Payments - Sentenial Group interest & adjustments Revenue (includes interest income) 112 bps 118 bps 104 bps 99 bps 90 bps 466 bps 990 bps General Purpose Reloadable Gift & Incentive 479 bps 834 bps 580 bps 11 bps 117 bps 635 bps 12 bps 111 bps 408 bps 10 bps 13 bps 13 bps 12 bps 13 bps 1 bps Digital Payments 103 bps 99 bps 36 bps 93 bps Digital Payments - Sentenial Revenue Yield 89 bps 86 bps 88 bps General Purpose Reloadable $8,738 $16,269 $25,007 $34,096 $31,630 $65,726 $39,071 Gift & Incentive $32,284 $24,540 $56,824 $28,793 $28,221 $57,014 $30,062 Digital Payments $3,447 $3,468 $6,915 $4,241 $3,395 $7,636 $3,914 Digital Payments - Sentenial $2,360 Group interest & adjustments $334 ($334) $123 ($123) Gross profit $44,803 $43,943 $88,746 $67,253 $63,123 $130,376 $75,407 40

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