H1 FY23 Investor Presentation

01 Highlights 02 Business performance 03 Financial performance 04 Financial statements 05 Priorities and outlook Strong operating performance in HY23 Solid growth despite external environment and tighter risk settings 7.3m Solid growth despite external 7.0m Active Customers1 (#) +4% YoY Merchants (#) +20% YoY All figures based on Zip's unaudited financials as of 31 December 2022. Figures in AUD. C