Slide 1: Half Year to December 2003
€ Credit Corp Credit Corp Group Limited Half Year to December 2003 e Simon Calleia ° @6©Geoff Lucas : / Director
Slide 2: December 2003 Half Year
€ Credit Corp Credit Corp Group Limited December 2003 Half Year Dec-03 Fuil Yr ___ Feast Progress 1,492,208, 25,546,391 o% ; : 8,045,061) 18,712,820, 42.99% $16,000,0067 | q i i $5,000,000 7 G i Ly ih [) _ 3,447,144, 6,833,574. 50.44% +0 Te be 0356876 4.686.331. 50.29% 2001 =2002,- 20032004 —$—$_—_
Slide 3: December 2003 Performance Summary
€ Credit Corp Credit Corp Group Limited December 2003 Performance Summary Ledger Purchasing 73% of revenue, up 83% on December ‘ 84% of pre tax earnings - Stable market - Quality Assets - Specialisation Mercantile 15% of reve December ‘02 13.5% of pre tax earnin: - Growth into last quarter t - Conti
Slide 4: Continued Prudent Growth rate
Credit Corp Group Limited Continued Prudent Growth rate € Credit Corp 44.56% 32.15% Revenue _ EBIIDA EPS NTApershare Interim Dividend 89.79% — co 52.26% - 103.16% — “aaa 31.60% 19.96% 54.40% 71.7 7A
Slide 5: Increased Shareholder Returns to Dec '03
Credit Corp Group Limited Increased Shareholder Returns to Dec '03 $2.00 5 . ; Share Price February 2002 - January 2004 Senior management appointment $1.80 Acquisition of large debt ledger AGM ——} $1.60 2 million share issue for A & K purchase $1.40 3.3m June 2003 Profit 2 $1.20 $3m share placement
Slide 6: Cash Flow to December 2003
€ Credit Corp Credit Corp Group Limited Cash Flow to December 2003 _ December 2003 December 2002 Operations What we received $7.8m Payments to Suppliers and Empleo: ($4.8m) Tax payments : ($0.6m) Net Cash from Operations $2.4m Investing Ledger Purchases ($3.5m) Financing Equity Issues - Debt raised
Slide 7: Objectives to June 2004
€ Credit Corp Credit Corp Group Limited Objectives to June 2004
Slide 8: The Path Ahead
€ Credit Corp Credit Corp Group Limited The Path Ahead Prudent, managed growth pitalising on competitive advantages through specialised skill sets and strengthened