Highlights from H1 FY22

 Record 61,554 merchants choosing Tyro as their payments solution – up 68% (H1 FY21: 36,720).

 Record $15.8 billion in transactions processed by Tyro Group merchants – up 31% (H1 FY21: $12.1 billion).

 Record payments revenue of $146.0 million – up 36% (H1 FY21: $107.7 million).

 Record payments statutory gross profit of $68.1 million – up 25% (H1 FY21: $54.3 million).

 Australia’s 5th largest merchant acquiring bank by terminal count – 103,935 terminals up 52.1% (H1 FY21: 68,338).

 Growing merchant deposits with total deposits of $100.8 million at 31 December 2021 (30 June 2021: $75.5 million).

 Rebound in merchant loan originations to $36.2 million – up 1,279% (H1FY21: $2.6 million).

 Low churn rates – merchant churn 10.1% + transaction value churn 9.0% (FY21: 11.3% + 8.7% respectively).

 EBITDA2 $2.8 million vs $8.5 million H1 FY21 – reflecting deferral of annual merchant pricing adjustments + no JobKeeper.  Balance sheet strength with $157 million in total cash + financial investments (30 June 2021: $173 million).

 Total capital ratio 45% (30 June 2021: 73%).

 Appointed as Telstra’s exclusive partner offering merchant acquiring solutions to Telstra’s business customers.

 Tyro | Bendigo Bank Alliance tracking to expectations.

 Tyro Connect gaining traction – 17 industry leading apps signed + 274 active merchants + 14 POS partners.

 eCommerce continuing to scale – up 1,634% with $255.9 million in transactions processed (H1 FY21: $14.8 million).

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