Credit Clear Limited · ASX:CCR
Credit Clear — Shaw and Partners Emerging Companies Financials Conference 2026
19 slides from Credit Clear's conference presentation, May 12, 2026
Slide 1: Investor Conference Presentation ASX Announcement
12 May 2026 ASX Announcement Investor Conference Presentation Australian technology and debt collection provider Credit Clear Limited (ASX: CCR) (“Credit Clear” or “the Company”) provides the attached investor presentation, which highlights the next generation of its proprietary AI platform, for pre
Slide 2: Transforming the debt collection industry
For personal use only Transforming the debt collection industry 12 May 2026 Shaws Emerging Companies Presentation
Slide 3: Important Information
Important Information This presentation has been prepared by and is the sole responsibility of Credit Clear none of the Company, its directors, employees or agents, nor any other person Limited ACN 604 797 033 (Company). The information contained in this presentation accepts any liability, including
Slide 4: An Integrated & End-to-End Debt Resolution Provider
An Integrated & End-to-End Debt Resolution Provider A technology-led platform with diversified revenue streams across three key areas For personal use only DIGITAL HYBRID LEGAL SERVICES • Proprietary, white labelled, AI-powered • Market-leading provider of modern, • In-house legal escalation and lit
Slide 5: A leading debt resolution provider with world-class clients
A leading debt resolution provider with world-class clients A trusted partner in highly regulated and diverse industries, engaging millions of end customers UK & EUROPE AUSTRALIA & NEW ZEALAND U.S & CANADA For personal use only A strong foothold in Australia & NZ, with growing international presence
Slide 6: Unlocking global reach, with comprehensive offering
Unlocking global reach, with comprehensive offering Driving growth via cross-sell opportunities across recent acquisitions & newly established BPO offering For personal use only Business Processing Operations (BPO) Strategy to expand existing Well-established, UK-based Global SaaS provider of Philip
Slide 7: Transforming the debt collection industry
Transforming the debt collection industry Leveraging AI and digital engagement to deliver greater customer outcomes For personal use only The debt collection problem Credit Clear’s premier solution • A structural shift: • Hybrid approach that prioritises digital convenience with • Large creditors (i
Slide 8: Leveraging data & AI to enhance platform solutions
Leveraging data & AI to enhance platform solutions Advancing a leading repayments platform via an orchestration layer to enrich engagement For personal use only M U N I C A T I O N O M S C EMAIL SMS WHATSAPP ARI Roadmap A DIGITAL ASSISTANT FOR RECOVERY MANAGERS A S T E D A • Ari will optimise CCR’s
Slide 9: Ten Years of Data. A Thousand Clients. One Platform.
Ten Years of Data. A Thousand Clients. One Platform. Proprietary AI, unmatched data depth, and deep client integration — built over a decade, impossible to replicate overnight For personal use only Geographic Proprietary Data Bank Client & Regulatory End-to-End AI Advantage Integration Expertise Hyb
Slide 10: FY26 Outlook
For personal use only FY26 Outlook
Slide 11: FY26 Outlook
FY26 Outlook For personal use only Trading conditions are supportive, debt contingent market continues to grow Macroeconomic Average amount of personal debt (excluding mortgages) in Australia is on the rise Tailwinds Australian companies are focused on strengthening their debt resolutions and reduci
Slide 12: Top-line momentum continues in FY26
Top-line momentum continues in FY26 Scaling revenue through strategic acquisitions, EBITDA stable as synergies are unlocked For personal use only • FY26 Revenue guidance of $57.0 FY26 Revenue guidance $57.0m -$59.0m to $59.0 million o Includes 5-months of DTS and 6-months contribution of ARC Europe
Slide 13: Appendix
For personal use only Appendix © Copyright 2026. All Rights Reserved. 12 © Copyright 2025. All Rights Reserved. 12
Slide 14: CCR Overview – Who We Are
CCR Overview – Who We Are Credit Clear Limited (ASX: CCR) Disciplined Operating & Capital Allocation Model For personal use only Teams Set Up To Service • One of Australia’s leading account receivables and • Focused on execution and accountability debt resolution groups • Delivery of long-term value
Slide 15: CCR Overview – Operating Model
CCR Overview – Operating Model For personal use only Sales Client appoints Credit Clear Note 01 We do NOT buy debt, we Finance Onboarding work with our clients to Credit Clear receives a Credit Clear and client resolve their customers’ commission and/or fee establish a two-way overdue accounts for a
Slide 16: CCR Overview – Purpose, Objective, Values
CCR Overview – Purpose, Objective, Values Our Values For personal use only A better Purpose Performance way to ` Caring about our performance to have a positive impact resolve debt on our teams, clients, customers and community Integrity Maximise return to ` Doing the right thing every time stakehol
Slide 17: Illustrative Client Profit/Loss Timeline
Illustrative Client Profit/Loss Timeline For personal use only 12-15 Months Client reduces number of 9-12 Months providers on panel & broadens scope of work Increase share of for Credit Clear business on panel 0-3 Months 3-6 Months 6-9 Months Onboarding Initial portfolio of Optimisation, debt champi
Slide 18: Growth supported by increasing digital collections
Growth supported by increasing digital collections Demonstrating a high growth rate in digital collections For personal use only Digital Collection Payments ($m) $84.4m • A leading digital provider in the collections $74.6m process with a white label solution that: $65.6m o Enhances recovery rate o
Slide 19: For personal use only
For personal use only Andrew Smith Melanie Singh CEO & MD Investor Relations Credit Clear Credit Clear E: andrew@armagroup.com.au e: melanie@nwrcommunications.com.au m: +61 439 748 819 © Copyright 2025. All Rights Reserved. 18
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