FY23 Investor Presentation

Net bad debts1 (% of TTV) -70bps improvement YoY Cash gross profit ($m) +20.4% YoY Core cash EBTDA ($m) +$103.2m improvement YoY Note: 1. Excluding the movement in the provision for expected credit losses. All figures based on Zip’s unaudited financials as of 30 June 2023. Figures in AUD translated using the average yearly foreign exchange rates for respective years. Calculated Figures may not rec