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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- 1 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Leadership across the credit -impaired consumer segment… Analytics and discipline Operational excellence Responsibility & compliance US DEBT BUYING • Large market opportunity • Diversified purchasing across several sellers • Significant productive capacity across several sites • Emphasis on payment arrangements and a lower proportion of litigated outcomes • Low external dispute rate AUSTRALIAN / NZ LENDING • Leverage knowledge of consumer • Up-front loss provisioning • Analytical monitoring • Unique statistical underwriting • Automated decisioning • Collection strength • High level of efficiency • APRs below cap applicable to mainstream credit • Regulatory upside - no ‘payday loans’ • Lower pricing disrupting the market AUSTRALIAN / NZ DEBT BUYING • Large database • History of pricing accuracy • Purchasing levels vary inversely with pricing • High asset turnover 1 • Low cost to collect 2 • High performing on-shore and off-shore platforms • Strong technology and use of data • Industry leading external dispute rate • $1.2bn in ongoing repayment arrangements Credit Corp Group AGM Update 2025 — 2 1. FY25 ratio of cash collections from PDLs to average PDL carrying value in Australian Debt Ledger Purchasing segment of 0.8x 2. FY25 cash costs as a proportion of collections in the Australian Debt Ledger Purchasing segment of 45% TARGET Long term growth ROE 16% - 18% Low gearing For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- - 30 60 90 120 FY21 FY22 FY23 FY24 FY25 FY26 projection NPAT ($m) AU/NZ Debt Buying and Collection Services US Debt Buying AU/NZ Consumer Lending …is driving performance towards another year of strong earnings growth in FY26… Credit Corp Group AGM Update 2025 — 3 1. Excludes $4.5 million US PPP loan forgiveness which occurred in H1 FY22 2. Excludes impairment of US PDL book of $65 million (pre-tax) and change in PDL life cycle gain of $21.6 million (pre -tax) 3. Mid-point of FY26 NPAT guidance 1 2 3 ↑ 16% ↑ 12% For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- …with a solid start to the year Credit Corp Group AGM Update 2025 — 4 US debt buying • Continued operational improvement • Collections up by 22 per cent over the prior year • Solid investment pipeline of $145 million, with full year guidance intact at $200 - $230 million 1 Australian / NZ lending • Refreshed marketing driving strong customer acquisition • Record Q1 FY26 lending volume, up 3 per cent over the prior year Australian / NZ debt buying • Collections within 7 per cent of prior year in line with reduced investment • Investment pipeline of $60 million, on track to achieve >$80 million for the full year 1. The starting US pipeline was reported in Aug-25 at $164 million. Since that time reduced sale volumes have been received from one client. Substantial opportunities remain over the balance of the year to build the pipeline to the guidance range. For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- US operational performance has been supplemented with a step -up in purchasing… Credit Corp Group AGM Update 2025 — 5 70 140 210 280 350 - 9 18 27 36 45 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 US Collections and Arrangement Book (US $m) US collections (LHS) Face value of US payment arrangement book (incl. litigated payers) (RHS) - 70 140 210 280 350 Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep US Productivity Per Hour (US $) 15m to Sep-24 15m to Sep-25 US $ To Sep-24 To Sep-25 Δ Δ 12-month trailing purchasing $77 million $107 million +$30 million + 39% Q1 collections (annualised) $142 million $173 million +$31 million + 22% • Strong conversion of additional investment into increased collections For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- …while lending volumes are producing book growth over the prior year Credit Corp Group AGM Update 2025 — 6 - 20 40 60 80 100 120 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Lending Volumes ($m) Wallet Wizard Carstart Wizit - 100 200 300 400 500 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Consumer Lending Book and Annualised Revenue ($m) Gross loan book (excl. provisions) Annualised revenue For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Lending expansion is on track… Credit Corp Group AGM Update 2025 — 7 1 Segment Status • Volumes on track - Written in Q1 FY26 $6 million - Closing book Q1 FY26 $11 million • Pro-forma metrics are being met - Cost of customer acquisition - Arrears and losses - Fee/interest yield • Volumes have been slowed with high used car prices persisting • Strategic review underway • Acquisition of existing licensed lending entity complete following recent granting of regulatory approval • Lending on track to commence during FY26 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- - 10% 20% 30% 40% - 100 200 300 400 H1 FY23 H2 FY23 H1 FY24 H2 FY24 H1 FY25 H2 FY25 Q1 FY26 Cash Facilities ($m) and Gearing (%) Net borrowings (LHS) Cash and Undrawn Facilities (LHS) Gearing (RHS) …and debt headroom provides the capacity to invest opportunistically Credit Corp Group AGM Update 2025 — 8 1. Calculated as net borrowings as a % of carrying value of financial assets 1 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- FY26 guidance remains intact Credit Corp Group AGM Update 2025 — 9 FY26 Guidance Issued Jul-25 FY26 Guidance Confirmed Oct-25 Ledger investment $280 - $330 million $280 - $330 million Gross lending $350 - $390 million $350 - $390 million NPAT $100 - $110 million $100 - $110 million EPS (basic) 147 - 162 cents 147 - 162 cents • Implicit NPAT growth of 6 - 17 per cent over FY25 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- APPENDICES: Credit Corp Group AGM Update 2025 — 10 KEY OPERATING METRICSFor personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- APPENDICES: KEY OPERATING METRICS Credit Corp Group AGM Update 2025 — 11 APPENDIX 1: AU/NZ & US debt buying operational metrics 12 APPENDIX 2: Payers base 13 APPENDIX 3: Productivity 14 APPENDIX 4: Collections life cycle 15 APPENDIX 5: US revolving credit and quarterly charge -off rates 16 APPENDIX 6: Operational and total headcount 17 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Appendix 1: AU/NZ & US Debt buying operational metrics AU/NZ Debt Buying Q1 FY26 Δ Q1 FY25 Collections $64m (7%) Productivity $333 2% Operations headcount 1 554 (9%) Payers book (face value) 1 $1,156m (12%) US Debt Buying Q1 FY26 Δ Q1 FY25 Collections $66m 22% Productivity $480 45% Operations headcount 1 453 (10%) Payers book (face value) 1 $481m 7% Credit Corp Group AGM Update 2025 — 12 1. As at Sep-25 2. Constant currency basis 2 2 2 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Appendix 2: Payers base Credit Corp Group AGM Update 2025 — 13 Portfolio summary: Debt buying Combined AU/NZ/US Total portfolio Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Sep-25 Face value $12.7b $12.8b $12.9b $13.0b $12.8b $13.0b $13.0b Number of accounts 2,993,000 2,952,000 2,904,000 2,820,000 2,740,000 2,710,000 2,757,000 Payment arrangements Face value $1,727m $1,725m $1,709m $1,760m $1,735m $1,725m $1,638m Number of accounts 266,000 274,000 273,000 280,000 283,000 292,000 257,000 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Appendix 3: Productivity Credit Corp Group AGM Update 2025 — 14 1. Combined AU/NZ and US segment productivity 2. Constant currency basis 200 250 300 350 400 450 Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Productivity per Hour (A$) 1 12m to Sep-24 12m to Sep-25 Year-to-date Sep-25 average 2 FY26: $394 FY25: $328 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Appendix 4: Collections life cycle Credit Corp Group AGM Update 2025 — 15 1. Combined AU/NZ and US PDL collections 2. Increase of 7% in Q1 FY26 vs Q1 FY25 34% 34% 37% 29% 21% 29% 27% 29% 36% 33% 29% 28% 26% 24% 22% 22% 23% 22% 22% 25% 24% 24% 23% 26% 18% 18% 18% 25% 30% 26% 26% 19% 16% 20% 19% 20% 20% 20% 20% 21% 20% 20% 18% 16% 16% 17% 18% 18% 15% 15% 12% 12% 13% 13% 14% 19% 19% 18% 20% 15% 14% 17% 17% 17% 17% 14% 16% 16% 17% 17% 15% 13% 33% 33% 33% 34% 35% 32% 32% 33% 29% 30% 33% 37% 40% 39% 41% 40% 40% 44% 44% 43% 43% 42% 44% 43% - 40 80 120 160 Q2 Dec-19 Q3 Mar-20 Q4 Jun-20 Q1 Sep-20 Q2 Dec-20 Q3 Mar-21 Q4 Jun-21 Q1 Sep-21 Q2 Dec-21 Q3 Mar-22 Q4 Jun-22 Q1 Sep-22 Q2 Dec-22 Q3 Mar-23 Q4 Jun-23 Q1 Sep-23 Q2 Dec-23 Q3 Mar-24 Q4 Jun-24 Q1 Sep-24 Q2 Dec-24 Q3 Mar-25 Q4 Jun-25 Q1 Sep-25 PDL Collections by Vintage ($m) 1 <1 year 1 - 2 years 2 - 3 years >3 years 7% 2 For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- - 1% 2% 3% 4% 5% - 200 400 600 800 1,000 1,200 2019 Q1 2019 Q2 2019 Q3 2019 Q4 2020 Q1 2020 Q2 2020 Q3 2020 Q4 2021 Q1 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2 US Revolving Credit (U$b) and Quarterly Charge-Off Rates (%) US revolving credit (USD $b) (LHS) Quarterly charge off rates (RHS) Credit Corp Group AGM Update 2025 — 16 1. Total Revolving Debt Outstanding, Federal Reserve Economic Data ( https://fred.stlouisfed.org/series/CCLACBW027SBOG) published on 10-Oct-25 2. Charge-off rates 4.3% as at Q2 2025. Source: Charge -Off Rates on Credit Cards, All Commercial Banks, Federal Reserve Economic Da ta (https://fred.stlouisfed.org/series/CORCCACBN) published on 18-Aug-25 1 2 Appendix 5: US revolving credit and quarterly charge -off rates For personal use only
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Shading FOR USE WITH EYEDROPPER TOOLSTextH1 & H2- Appendix 6: Operational and total headcount Credit Corp Group AGM Update 2025 — 17 - 500 1,000 1,500 2,000 2,500 Dec-24 Jun-25 Sep-25 Period End Headcount (FTE) Support Lending Collection Services Debt buying ops Dec-24 Jun-25 Sep-25 Debt buying operations 1,082 1,036 1,007 Collection services 599 579 595 Lending 263 255 278 Support 201 195 208 Total 2,145 2,065 2,088 Support % 9% 9% 10% For personal use only
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H1 Shading FOR USE WITH EYEDROPPER TOOLSText H2 For personal use only