1HFY24 Investor Presentation

Cash gross profit ($m) +45.9% YoY Net bad debts1 (% of TTV) Flat YoY Group cash EBTDA ($m) +$64.0m improvement YoY Revenue ($m) +28.9% YoY Profitable growth driven by margin expansion Revenue margin (% of TTV) +130bps YoY TTV ($b) +9.6% YoY Transactions (#m) +5.0% YoY Active customers1 (#m) (2.5%) YoY Merchants (#k) +9.3% YoY 4 ZIP Zip is delivering on its FY24 priorities Growth and profitability