Announcement PDF Level 9, 2 Bulletin Place, Sydney NSW 2000 Announcement authorised by the Board of Directors Raiz Invest Limited ABN 74 615 510 177 Australian MicroCap Investment Conference 21 October 2025 - Melbourne Raiz Invest : A wealth platform for all Australians 335,542 Active Customers At 30 Sep 2025 $2.0 bn FUM At 30 Sep 2025 2 Raiz is a wealth platform for all Australians Our vision is to allow all Australians to achieve financial well-being regardless of their situation Winner 2025 Canstar Innovation Excellence Awards for Raiz Plus Portfolios Finalist in Fintech Australia's Finnies Awards for Excellence in Wealth Management Winner for round-up functionality Most recommended micro- investing app in the Finder customer satisfaction awards Named one of CNBC World's Top Fintech Companies 2025 Award-winning platform: Source: https://www.canstar.com.au/star-ratings-awards/innovation-awards/; https://www.fintechaustralia.org.au/newsroom/fintech-australia-announces-2025-finnie-award-finalists-marks-10-year-anniversary-of-the-peak-body; https://www.wemoney.com.au/wemoney-investment-awards-2025-winners; https://www.finder.com.au/finder-awards/customer-satisfaction-awards; https://www.cnbc.com/the-worlds-top-fintech-companies-2025/. 3 Exceptional Products: Award-winning innovation in fintech Raiz Rewards Raiz Invest Super Raiz Plus Raiz Invest Raiz Kids Raiz Lite Raiz Academy Raiz Jars 4 Q1 FY26 Results: Record FUM of $2bn and new product offerings Continued growth in Active Customers Major milestone hitting $2bn in FUM Increased netflows from higher deposit frequency and value FY26 Earnings Guidance1 : Positive UEBITDA in the range of $4.5m - $5.5m 1. UEBITDA (Underlying Earnings Before Interest, Tax, Depreciation and Amortisation) is Raiz’s preferred (non-IFRS) measure to assess the operating performance of the business, being EBITDA adjusted to exclude non-recurring items and share-based payments expense. FY26 UEBITDA earnings guidance is based on continued growth in Active Customers, FUM and Netflows, assuming no material changes in current market conditions. 5 Positive momentum continues with fee increase and new plan structure Raiz Lite Raiz Regular Raiz Plus New plan for first time investors at $2.50 per month Fee increase of $1 per month to $5.50 per month Fee increase of $1 per month to $6.50 per month • Lower churn compared to previous fee increases • Raiz Lite did not impact existing customer base • Raiz Lite provides an on-ramp for higher value plans • More new customers choosing Plus 6 Raiz makes it easy for everyday Australians to save and invest Six ways to save Nine portfolios to invest in Automated Recurring Investments 52% Round ups 12% Raiz Rewards and Referrals <1% Lump sums / One Offs 31% Dividends 5% Conservative 3% Moderately conservative 2% Moderate 5% Moderately aggressive 14% Aggressive 32% Emerald 12% Sapphire 10% Property 6% Plus 16% Over half of net inflows are from automated recurring investments, providing consistent inflows through the market cycle Nearly half of funds are invested in either Aggressive or Moderately Aggressive portfolios, reflecting the preferences of our younger demographic 7 Strategic Partnerships: State Street Investment Management • Global leader: State Street IM is the 4th largest asset manager worldwide • Marketing: Live campaign to promote the ASX-listed SPY ETF, which provides investors with exposure to the S&P 500 in the US. This ETF is available in the Raiz Plus offering. • Content: Provide new financial education materials for Raiz customers through a world class knowledge hub • Products: Develop innovative offerings including new ETFs & Super retirement portfolios • Insights: Create a Raiz Customer Sentiment Index based on Raiz data and State Street IM consumer data insights • Collaboration: Ongoing review of global market trends, customer needs and new ideas • Sophisticated understanding of each persona's goals, challenges and how they could benefit from Raiz products • Investing in the future with generative AI tools to personalise messaging and implement targeted marketing campaigns • Improved customer conversion and retention rates – 6% uplift in same day conversion rate in Q4 • The right message to the right customer at the right time is improving both conversion and strengthening retention 8 Superior Customer Experience: Investing in AI strategies Example 1: Young Professionals Example 2: Budget-Conscious Families 9 Strategic Partnerships: Agile with a keen focus on marketing ROI Over 355,000 interactions with our Podcast content since launch in March 2025. Strategic Partnerships Investing in better content to engage social media “Raiz Your Game” Podcast The use of brand names and/or logos is for educational purposes only. All trademarks and registered trademarks are the property of their respective owners. Their use does not suggest a direct affiliation with or endorsement by them. 10 The opportunity: continue to grow market share Rewards Users Active Users +335k Super Users Plus Users Winning new customers* Re-engagement and cross-promotion *Source: ABS, ASX (ASX Australian Investor Study 2023). Exceptional Products: Maximising customer lifetime value *Source: ABS, ASX (ASX Australian Investor Study 2023), Investment Trends (2023 1H Online Investing Report), IBISworld, Apple App Store (Accessed August 2022). Active Users +325k KIDS: 10% GEN Z: 14% MILLENNIAL: 51% GEN X: 20% BOOMERS: 5% EARLY CAREER UNDER 18 PAYING OFF DEBT GROWING WEALTH STARTING RETIREMENT Maximising customer lifetime value Raiz Kids Raiz Super Raiz Invest Raiz Rewards Raiz Academy Innovative Product Roadmap 11 FY25 Financial Highlights: Strong revenue growth and record UEBITDA 1. Raiz’s preferred (non-IFRS) measure to assess the operating performance of the business is Underlying Earnings Before Interest, Tax, Depreciation and Amortisation (UEBITDA), being EBITDA adjusted to exclude non-recurring items and share-based payments expense. 2. Average Revenue Per User (ARPU) is calculated as full year revenue divided by the average Active Customers during the period. This differs from the quarterly ARPU, which is based on revenue and average Active Customers within a single quarter. Q4FY25 exit run rate ARPU was $77.20. 3. Operating Cashflow from continuing operations, excluding R&D tax grant. Free cash flow (net of capex) of $0.9m (FY24: $1.1m). Refer to Appendix on page 23. 4. FY26 UEBITDA earnings guidance is based on continued growth in Active Customers, FUM and Netflows, assuming no material changes in current market conditions. 14.3% Financial Metrics Core Business Drivers Revenue $24.1m 15% Underlying EBITDA1 $2.8m 147% Operating Cashflow3 $4.0m Cash $13m 54% Active Customers 329,277 7% ARPU2 $75.67 9% FUM $1.8bn 30% Netflows $210m 100% 9% 12 FY26 Earnings Guidance : Positive UEBITDA in the range of $4.5m - $5.5m 4 ➢ Seamless omni-channel service ➢ Proactive engagement ➢ Trust and transparency ➢ Frictionless onboarding and support ➢ Innovative solutions ➢ Integrated ecosystems ➢ Accessibility & inclusivity ➢ Performance & reliability ➢ Strategic partnership with State Street Investment Management (SSIM) ➢ Expanded ecosystem of distribution channels ➢ Maintained leading app store rating among peer Superior customer experience Exceptional products Strong strategic partnerships 13 FY26: Strategic priorities Delighting the customer Meeting needs with innovation Expanding reach & value 14 Compelling investment thesis SCALABLE Proven scalable technology and business model approaching inflection in operating profitability 5 SOLID TRACTION Continued growth in core business metrics through the market cycle 2 CUSTOMER FIRST Customer centric culture driving exceptional customer experience & product innovation 1 OPPORTUNITIES Strong reputable partnerships in place to driving continued momentum and support product expansion 3 EXPANDED RESOURCES Strengthened both people and systems in FY25 as momentum for continued growth 4 STRENGTH Strong balance sheet, well funded & strong team to execute on growth strategy as competitive landscape evolves 6 15 Corporate Overview Raiz Share Price & Volume Source: FactSet and Computershare company registry Capital structure (17-Oct-25) Shares on issue 105.4m Share price A$0.81 12-month range A$0.42 - A$0.86 Market capitalisation A$85m Cash & cash equivalents 30 June 2025 A$13m Top Holdings (17-Oct-25) Shares (%) 1 THORNEY INVESTMENTS 14.7m 14.0 2 SEVEN WEST MEDIA INVESTMENTS PTY LTD 6.2m 5.9 3 ACORNS GROW INCORPORATED 5.2m 4.9 4 STATE STREET INVESTMENT MANAGEMENT 4.8m 4.6 Top 20 Holdings 64.4m 61.1 Other Holdings 41.0m 38.9 Total 105.4m 100.0 16 Important notice and disclaimer This presentation has been prepared by Raiz Invest Limited (ACN 615 510 177) (RAIZ). References in this presentation to RAIZ include its group of companies and trusts. This presentation is subject to the conditions outlined below. Your receipt or viewing of the Presentation evidences your acceptance of those conditions and that you agree to be bound by them. This presentation is provided to recipients for information purposes and should be read in that context. The information in this presentation is in a summary form, does not purport to be complete, is not investment or financial product advice and is not intended to be relied upon as advice to investors or other persons or to be used as the basis for making an investment decision. Please note that, in providing this presentation, RAIZ has not considered the objectives, financial position or needs of any particular recipient. Any person considering an investment should consider whether such an investment is appropriate for their particular investment objectives, financial situation and needs, and conduct its own independent investigation and assessment including obtaining investment, legal, tax, accounting and such other advice as they considers necessary or appropriate, prior to making an investment decision. The information contained in this presentation is based on information available to RAIZ. Statements in this presentation are, unless otherwise stated, made only on the basis of information known to RAIZ as at the date of this presentation and relate in part to events that are changing. Circumstances may change at anytime. The information contained in this presentation is therefore subject to change without notice and RAIZ may, in its absolute discretion, but without being under any obligation to do so, update or supplement that information. 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Forward looking statements can generally be identified by the use of forward looking words such as, “expect”, “anticipate”, “likely”, “intend”, “should”, “could”, “may”, “predict”, “plan”, “propose”, “will”, “believe”, “forecast”, “estimate”, “target”, “project”, “guidance” and other similar expressions within the meaning of securities laws of applicable jurisdictions. Indications of, and guidance or outlook on, future earnings or financial position or performance are also forward looking statements. These statements are subject to internal and external risks and uncertainties, many of which are beyond the control of RAIZ, that may have a material effect on future business. No representation is made or will be made that any forward-looking statements will be achieved or will prove correct. Actual future results and operations could vary materially from the forward-looking statements. As such, undue reliance should not be placed on any forward-looking statement and RAIZ assumes no obligation to update such information. Past performance is not necessarily a guide to or a reliable indicator of future performance. Nothing contained in this presentation nor any information made available to you is, or can be relied upon as, a promise, representation, warranty or guarantee, whether as to the past, present or future. This presentation is not a prospectus, product disclosure statement or any other disclosure document under Australian law or any other law. It does not constitute financial product advice or an offer or invitation to subscribe for or purchase any Shares or an offer for subscription or purchase of any Shares nor is it a solicitation to engage in or refrain from engaging in any acquisition of Shares or other associated derivatives transaction nor will anything contained in it form the basis of any offer, contract or commitment. This presentation is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to purchase any securities in RAIZ in any jurisdiction. In particular, this presentation does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The distribution of this presentation in jurisdictions outside of Australia may be restricted by law. Persons who come into possession of this presentation who are not in Australia should seek independent professional advice and observe any such applicable restrictions. Neither this presentation nor any copy of it may be transmitted or released in the United States or distributed, directly or indirectly, to any person in the United States. By accepting this presentation, the recipient agrees to comply with these restrictions. This presentation contains certain pro forma and non-IFRS financial information. Such financial information has not been prepared in accordance with disclosure requirements of applicable accounting standards and other mandatory reporting requirements in Australia. All references to dollars, cents or $ in this presentation are to AUD currency, unless otherwise stated. 17 Investor and media enquiries: Brendan Malone Managing Director and CEO M: + 61 439 339 195 E: ir@raizinvest.com.au Katie Mackenzie Investor Relations M: +61 455 502 197 E: kmackenzie@belleviewir.com.au (ASX:RZI)