Slide 1: Building the Infrastructure Layer for Global Education Payments
ASX: IOD | FY2026 RESULTS PRESENTATION Building the Infrastructure Layer for Global Education Payments FY26 Results - Investor Presentation Delivering operational progress while building the foundations for the next phase of growth. August 2026 Authorised by the Board of Directors
Slide 2: Important Information
Important Information Summary Information — This presentation is prepared by IODM Limited (ABN 28 102 747 133) (“IODM” or the “Company”) to provide summary information about IODM. IODM is an Australian public company listed on the Australian Securities Exchange (ASX). Statements are made only as at
Slide 3: FY2026 At A Glance
FY2026 AT A GLANCE A year of stronger commercial validation A$3.22m A$3.43m A$2.47m A$(2.56)m REVENUE CASH RECEIPTS UK EDUCATION REVENUE NPAT +16.6% YoY +29.1% YoY +27.6% YoY 12.9% improvement Revenue growth was accompanied by faster-growing cash collections and a narrowing NPAT loss — evidence of i
Slide 4: Improving Cash Generation & Operating Leverage
FINANCIAL PERFORMANCE Improving Cash Generation & Operating Leverage REVENUE (A$M) CASH RECEIPTS (A$M) NPAT (A$M) 3.43 3.22 2.72 2.65 -2.56 -2.96 FY2025 FY2026 FY2025 FY2026 FY2025 FY2026 Cash receipts continued to grow faster than revenue while losses narrowed — reinforcing a stronger path toward b
Slide 5: Positioned at the centre of the education payments ecosystem
WHY IODM MATTERS Positioned at the centre of the education payments ecosystem International Students IODM CONNECT Digital Engagement & Payment Enablement Platform Payment Providers ERP & Finance Systems (Convera / TransferMate) (Oracle / SAP / TechOne) Universities Embedded within payment workflows
Slide 6: Proven In The UK
PROVEN IN THE UK A$2.47m 77% UK EDUCATION REVENUE 27.6% of Group Revenue YEAR-ON-YEAR GROWTH Core GROWTH ENGINE FOR THE GROUP Commercial validation has been achieved in a key international education market. UK education generated A$2.47m in FY2026 revenue, up 27.6% year on year, with improved revenu
Slide 7: Future growth is more valuable than historical growth
COMMERCIAL TERMS Future growth is more valuable than historical growth PREVIOUS ARRANGEMENT ENHANCED ARRANGEMENT Exclusive Non-Exclusive 25% 30% Revenue Share · Limited Flexibility Revenue Share · Greater Flexibility Improved Economics Strategic Flexibility Enhanced Growth Platform Future transactio
Slide 8: The North American opportunity
NORTH AMERICA The North American opportunity 283 UNIVERSITIES 1 2 3 4 5 TransferMate Initial University Implementation Revenue Scale Agreement Access Programme Expected Opportunity Executed 283 universities ~5 per month October 2026 FY2027 Establishes a North American growth Initial access to 283 un
Slide 9: A large, multi-stage opportunity
MARKET OPPORTUNITY A large, multi-stage opportunity EXISTING MARKETS EXPANDING MARKETS LONG-TERM OPPORTUNITY UK North America Global Education Payments Europe Each stage represents a larger addressable opportunity than the one before it. IODM Limited | ASX: IOD 9
Slide 10: FY2027 priorities
LOOKING AHEAD FY2027 priorities Grow UK & Europe Deliver US Rollout Improve Cash Generation Progress Towards Profitability Build on stronger partner Convert the TransferMate Continue growing receipts faster Use scale and operating leverage economics and established relationship into live university
Slide 11: Why FY2027 starts stronger
OUTLOOK Why FY2027 starts stronger Proven Market Validation Improved Commercial Economics North America Rollout Commencing UK education validated, now 77% of group Revenue share up from 25% to 30%, non-exclusive. Access to 283 universities, with implementations revenue. commencing and revenue expect
Slide 12: Board & Leadership Team
LEADERSHIP Board & Leadership Team Karen Penney David Ireland Paul Masi Mark Reilly Chair Independent Non-Executive Director Non-Executive Director Chief Executive Officer Experienced Board and Management team with expertise across education, technology, governance, finance and international growth
Slide 13: FY2026 Validated The Model, Improved The Economics, Established The Foundations
FY2026 VALIDATED THE MODEL IMPROVED THE ECONOMICS ESTABLISHED THE FOUNDATIONS FOR FY2027 GROWTH IODM Limited (ASX: IOD) Building the Infrastructure Layer for Global Education Payments