Credit Corp Group Limited · ASX:CCP

Credit — Shareholder Meeting (November 2008)

13 slides from Credit's shareholder meeting presentation, Nov 10, 2008

1. Slide 1: Annual General Meeting: YTD to October 2008 Update

   For personal use only Annual General Meeting YTD to October 2008 Update 10 November 2008 Thomas Beregi – Chief Executive Officer

2. Slide 2: Further improvement over the four months to October

   F th improvement Further i t over the th ffour months th to t October O t b For personal use only • On track to achieve FY09 guidance • Strengthened financial position • Key operational metrics on track • Sale of Malaysian mercantile operations 2

3. Slide 3: On track to achieve FY09 guidance

   O track On t k to t achieve hi FY09 guidance id For personal use only YTD October FY09 Financials August 08 Guidance Oct 08 Actual 4 mth pro-rata FY09 Revenue $55.1 m EBITDA $34 4 m $34.4 $28 30m $28-30m $85 89m $85-89m NPAT $4.4 m $2.7-3.3m $8-10m EPS (basic) 10 0 cents 10.0 6 1-7 6.1 7.6 6 cents 1

4. Slide 4: Strengthened financial position

   St Strengthened th d financial fi i l position iti For personal use only • Reduced R d d nett b bank kddebt bt b by $36 $36m over 10 months th $ million 31 Oct 08 30 Jun 08 31 Dec 07 PDL carrying value 189.8 203.1 215.7 Net bank debt 107.0 125.0 142.8 Net debt / carrying value (%) 56.4% 61.5% 66.2%

5. Slide 5: Maintaining our focus on our front line people

   M i t i i our ffocus on our ffrontt line Maintaining li people l For personal use only Headcount by function (FTE) 600 Debt Purchase 500 Operations 400 Process Serving / Mercantile 300 Malaysian Mercantile 200 Support 100 0 FY04 FY05 FY06 FY07 H1 FY08 FY08 OCT 08 Function FY04 FY05 FY06 FY07 H108 FY

6. Slide 6: Recent purchases continue to yield acceptable returns

   R Recent t purchases h continue ti tto yield i ld acceptable t bl returns t For personal use only Average March 08 to October 08 purchases Cumulative percentage of purchase price collected by month 230% FY09 Guide 225%-250% 50% 45% Actual 38% 43% Forecast 40% % of 29% 35% purchase 30% price 20% 25%

7. Slide 7: Improved performance of older PDLs is on track

   I Improved d performance f off older ld PDLs PDL is i on ttrackk For personal use only PDL Revenue by date of purchase 100% >2y years 90% 14 16 21 25 1-2 years 32 37 80% < 1 year 23 70% 26 27 60% 35 50% 41 37 40% 30% 63 58 52 20% 40 27 26 10% 0% Q1 Sep 07 Q2 Dec 07 Q3 Mar 08 Q4 Jun 08 OCT 08 FY09 Gu

8. Slide 8: We also continue to improve the certainty of returns

   W also We l continue ti to t improve i the th certainty t i t off returns t For personal use only Total Portfolio Dec 2007 Jun 2008 Oct 2008 Face value $1 9bn $1.9bn $2 2bn $2.2bn $2 2bn $2.2bn Number of accounts 388,000 370,000 320,000 Payment arrangements Face value $187m $267m $278m Number of acc

9. Slide 9: Operational improvement initiatives are on track

   O Operational ti l iimprovementt iinitiatives iti ti are on ttrack k For personal use only Debt Purchase Productivity (direct collection staff only) $250 $239 $234 $227 $225 $214 Revenue $209 FY09 Guide per hour $197 $194 $194 $210-$220 $200 $188 $204 $179 $175 $150 Dec Jan Feb Mar Apr May Jun Jul A

10. Slide 10: We are well placed to take advantage of PDL market conditions

    We are well placed to take advantage of PDL market k t conditions diti For personal use only • Supply conditions remain static – After 5 years of 11% pa growth personal credit has contracted by 3% over the last 6 months (1) – Early delinquency rates on credit cards and personal loans are in line wit

11. Slide 11: Sale of peripheral businesses is on track, but will not be significant

    Sale of peripheral businesses is on track, b t will but ill nott b be significant i ifi t For personal use only • Maximum combined proceeds estimated to be $3.5m • Some businesses may be retained if acceptable terms are not achieved Business Status M l Malaysian i mercantile til S ld - proceeds Sold

12. Slide 12: FY09 guidance reconfirmed

    FY09 guidance id reconfirmed fi d For personal use only • EBITDA of $85-$89m • NPAT of $8-$10m • EPS of 18-23 cents Excludes business sales & litigation defence costs 12

13. Slide 13: Questions

    For personal use only Annual General Meeting YTD to October 2008 Update Questions

Credit Corp Group — Shareholder Meeting (November 2008) on 6ix