Tyro Payments : Presentation to Macquarie Emerging Leaders Conference

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ASX Announcement

PRESENTATION TO MACQUARIE EMERGING LEADERS CONFERENCE

Sydney, 17 November 2021 - Tyro today released a presentation to be made at the 2021 Macquarie Emerging Leaders Conference. The presentation is attached to this ASX announcement.

For further information, please contact:
Media: Monica Appleby	Investors:	Giovanni Rizzo
Head of Corporate Communications		Chief of Investor Relations
Ph: [phone]		Ph: [phone]
E:[e-mail]		E:[e-mail]

Pursuant to Listing Rule 15.5, Tyro confirms this document has been authorised for release to the market by its Board

About Tyro - Tyro is a technology-focused and values-driven Group providing Australian businesses with payment solutions and value-adding business banking products. The Group provides simple, flexible and reliable payment solutions as a merchant acquirer, along with complementary business banking products. For the more than 58,000 Australian merchants who chose to partner with Tyro at 30 June 2021, the Group processed more than $25.5 billion in transaction value in FY21. In FY21 the Group generated $119.4 million in gross profit, originated $25.8 million in loans and held merchant deposits totalling $75.5 million.

Tyro is Australia's fifth largest merchant acquiring bank by number of terminals in the market, behind the four major banks. The business was founded in 2003 with a goal of being the most efficient acquirer of electronic payments in Australia. Tyro has a track record of innovation, creating purpose-built solutions and being first to market. This approach saw the company become the first technology company to receive an Australian specialist credit card institution licence in 2005. In 2015 that licence was replaced by the award of an Australian banking licence, making Tyro the first new domestic banking licensee in over a decade.

Payments are at the core of Tyro's business, using its proprietary core technology platform to enable credit and debit card acquiring. This offering is enhanced by features purpose-designed for those merchants who choose to partner with the Group, including Point of Sale systems integrations, least-cost routing (Tap & Save) and alternative payment types such as integrated Alipay. While traditionally focused on in-store payments, Tyro has recently expanded into eCommerce. Further, Tyro provides value-adding solutions to its partners, such as loans in the form of merchant cash advances and fee-free,interest-bearing merchant transaction accounts.

Tyro has a team of more than 500 people, approximately half of whom are in technology roles.

A 1/155 Clarence St, Sydney NSW 2000 T [phone] E [e-mail] W tyro.com

ACN 103 575 042 AFSL 471951 (Tyro) is the issuer of its own financial products

ersonal use only

PRESENTATION TO MACQUARIE EMERGING LEADERS CONFERENCE

17 NOVEMBER 2021

Tyro Payments Limited

ABN 49 103 575 042

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Our Purpose

Setting businesses free to get on with business

by

simplifying payments + banking solutions

Our Mission	Our Vision
We eliminate friction with	To be Australia's:
payments + banking solutions, that:
Businesses	fastest
growing
trust	most loved
Partners
+ trusted
advocate	sustainable
Employees are
proud of	payments + business
Our community	banking partner
backs

"We are a tech company providing payments + business banking - taking on the big guys"

2

Delivering against our Growth Plan

We have a clear strategy that underpins our growth ambitions. FY21 saw us execute against a number of elements of that plan:

Significant uplift in transaction value to $25.5 billion (IPO: $17.5 billion)	P

onlySignificant increase in merchants to 58,186 (IPO: 29,031)

Sizable addressable market remains - TAM share 3.8% (IPO: 2.7%)

Prompted brand awareness spike to 20% (IPO: 10%)

useTransformational Tyro | Bendigo Bank Alliance completed

P P P

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Cash MerchantAdvance

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Products

New

Acquisition of Medipass to build out our health solution

ersonalTyro Connect POS integration hub gaining traction

me&u 'tap, order and pay in app' solution a major eCommerce opportunity

Launch of Open Banking

Paypa Plane - innovative platform for recurring payment opportunities

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Tyro Connect

Current offering

Planned offering

3

Re-openings Delivering Accelerated Growth

• Transaction value in the 4 weeks since NSW came out of lockdown h45%

only
	Weekly Transaction Value Growth - FY22
										2			1 NSW came out of lockdown on 11 October 2021
50%								51%			2 Victoria came out of lockdown on 26 October 2021
								1			46%
45%									43%
use								42%
40%
35%
								31%
30%											28%
			26%
			25%
25%
ersonal				20%	21%
20%
							16%
15%
10%
5%
		0
			FY21 1 - 31 Jul	1 - 31 Aug	1 - 30 Sep	1 - 8 Oct	9 - 14 Oct	15 - 22 Oct	23 - 29 Oct	30 Oct - 5	6 - 12 Nov	YTD FY22
				2021	2021	2021	2021	2021	2021	2021	Nov 2021	2021	12 Nov 2021
													4