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ASX: IOD | FY2026 RESULTS PRESENTATION Building the Infrastructure Layer for Global Education Payments FY26 Results - Investor Presentation Delivering operational progress while building the foundations for the next phase of growth. August 2026 Authorised by the Board of Directors
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Important Information Summary Information — This presentation is prepared by IODM Limited (ABN 28 102 747 133) (“IODM” or the “Company”) to provide summary information about IODM. IODM is an Australian public company listed on the Australian Securities Exchange (ASX). Statements are made only as at the date of this presentation and remain subject to change without notice. Not Financial Product Advice — The information in this presentation is general in nature and does not purport to be complete. It does not take into account the investment objectives, financial situation or needs of any particular investor. Recipients should seek their own professional advice before making any investment decision and should conduct their own due diligence, including reviewing IODM's periodic reports and ASX announcements at www.asx.com.au. Past & Future Performance — Past performance information is given for illustrative purposes only and should not be relied upon as an indication of futureperformance. This presentation contains forward-looking statements regarding IODM's financial condition, operations and business, which are subject to known and unknownrisks and uncertainties that may cause actual results to differ materially. No representation is made that any forecast will be achieved. Financial Data — All figures are in Australian dollars (A$) unless stated otherwise. All pro forma and forecast financial information is for illustrative purposes only and does not represent a forecast or guarantee of future performance. Disclaimer — No representation or warranty, express or implied, is made that the material in this presentation will be achieved or prove correct. To the extent permitted by law, IODM and its related bodies corporate, directors, officers, employees and advisers disclaim all liability for any loss arising from the use of this presentation. This presentation should be read in conjunction with IODM's FY2026 Annual Report, Appendix 4E, FY2026 Results Announcement and other ASX announcements.
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FY2026 AT A GLANCE A year of stronger commercial validation A$3.22m REVENUE +16.6% YoY A$3.43m CASH RECEIPTS +29.1% YoY A$2.47m UK EDUCATION REVENUE +27.6% YoY A$(2.56)m NPAT 12.9% improvement Revenue growth was accompanied by faster-growing cash collections and a narrowing NPAT loss — evidence of improving unit economics as the UK education platform scales. IODM Limited | ASX: IOD 3
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FINANCIAL PERFORMANCE Improving Cash Generation & Operating Leverage REVENUE (A$M) 2.72 3.22 FY2025 FY2026 CASH RECEIPTS (A$M) 2.65 3.43 FY2025 FY2026 NPAT (A$M) -2.96 -2.56 FY2025 FY2026 Cash receipts continued to grow faster than revenue while losses narrowed — reinforcing a stronger path toward breakeven. IODM Limited | ASX: IOD 4
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WHY IODM MATTERS Positioned at the centre of the education payments ecosystem IODM CONNECT Digital Engagement & Payment Enablement Platform International Students Payment Providers (Convera / TransferMate) ERP & Finance Systems (Oracle / SAP / TechOne) Universities Embedded within payment workflows Scalable through strategic partners Revenue aligned with transaction growth Global education market exposure IODM Limited | ASX: IOD 5
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PROVEN IN THE UK 77% of Group Revenue Commercial validation has been achieved in a key international education market. A$2.47m UK EDUCATION REVENUE 27.6% YEAR -ON-YEAR GROWTH Core GROWTH ENGINE FOR THE GROUP UK education generated A$2.47m in FY2026 revenue, up 27.6% year on year, with improved revenue-share terms supporting further scaling. IODM Limited | ASX: IOD 6
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COMMERCIAL TERMS Future growth is more valuable than historical growth PREVIOUS ARRANGEMENT Exclusive 25% Revenue Share · Limited Flexibility ENHANCED ARRANGEMENT Non-Exclusive 30% Revenue Share · Greater Flexibility Improved Economics Strategic Flexibility Enhanced Growth Platform Future transaction growth is expected to generate stronger economics than historical transaction growth. IODM Limited | ASX: IOD 7
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NORTH AMERICA The North American opportunity 283 UNIVERSITIES 1 TransferMate Agreement Executed 2 Initial University Access 283 universities 3 Implementation Programme ~5 per month 4 Revenue Expected October 2026 5 Scale Opportunity FY2027 Initial access to 283 universities Revenue expected October 2026 Target cadence of ~5 universities/month Establishes a North American growth pathway FY2027 becomes the first year North America is expected to contribute revenue. IODM Limited | ASX: IOD 8
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MARKET OPPORTUNITY A large, multi-stage opportunity EXISTING MARKETS UK Europe EXPANDING MARKETS North America LONG -TERM OPPORTUNITY Global Education Payments Each stage represents a larger addressable opportunity than the one before it. IODM Limited | ASX: IOD 9
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LOOKING AHEAD FY2027 priorities Grow UK & Europe Build on stronger partner economics and established market traction. Deliver US Rollout Convert the TransferMate relationship into live university revenue. Improve Cash Generation Continue growing receipts faster than revenue. Progress Towards Profitability Use scale and operating leverage to reduce losses further. IODM Limited | ASX: IOD 10
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OUTLOOK Why FY2027 starts stronger Proven Market Validation UK education validated, now 77% of group revenue. Improved Commercial Economics Revenue share up from 25% to 30%, non-exclusive. North America Rollout Commencing Access to 283 universities, with implementations commencing and revenue expected from October 2026. FY2026 validated the model, improved the economics, and established the foundations for FY2027 growth. IODM Limited | ASX: IOD 11
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LEADERSHIP Board & Leadership Team Karen Penney Chair David Ireland Independent Non-Executive Director Paul Masi Non-Executive Director Mark Reilly Chief Executive Officer Experienced Board and Management team with expertise across education, technology, governance, finance and international growth initiatives. IODM Limited | ASX: IOD 12
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FY2026 VALIDATED THE MODEL IMPROVED THE ECONOMICS ESTABLISHED THE FOUNDATIONS FOR FY2027 GROWTH IODM Limited (ASX: IOD) Building the Infrastructure Layer for Global Education Payments