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 ASA Engage Investor Webinar 12 February 2026 Raiz Invest : Wealth platform for all Australians 339,829 Active Customers At 23 Jan 2026 $2.13 bn FUM At 23 Jan 2026 2 Raiz is a wealth platform for all Australians Our vision is to empower Australians by providing accessible and smart investment options 3 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 1% Moderate 5% Moderately aggressive 14% Aggressive 34% Emerald 10% Sapphire 10% Property 5% Plus 18% 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 4 Exceptional products: Award-winning innovation in fintech Q2 FY26 Results Overview 1. FY26 UEBITDA earnings guidance assumes no material change in market conditions, continued cost discipline and product delivery with growth in Active Customers, FUM and Netflows. UEBITDA is a non IFRS measure which represents Earnings Before Interest, Tax, Depreciation Amortisation (EBITDA) adjusted to exclude non-recurring items and share-based payments expense.. 14.3% 5 FY26 Earnings Guidance1: Positive UEBITDA in the range of $4.5m - $5.5m 1 Continued growth in Active Customers Major milestone hitting $2bn in FUM Increased netflows from higher deposit frequency and value 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 6 Ambitious product roadmap for 2026 14.3% 7 ü US-listed equities: Direct access to investing in the US market ü Direct ASX trading: Infrastructure development underway to enable direct single HIN trading for greater flexibility and direct ownership ü Instant payments: Enhanced user experience with faster, real-time trading capabilities ü Maximise value through the customer lifecycle ü Deepen engagement with existing customers ü Attract new customers ü Diversify into transaction-based revenue streams BENEFITS FOR CUSTOMERS & INVESTORS KEY PRIORITIES • AI-Enabled digital onboarding: Embed Raiz app into ChatGPT and other AI ecosystems with MCP white label solution > faster onboarding, enhanced suitability checks, compliance-first > improved customer experience • AI-Enhanced Raiz Rewards: Identify and deliver more merchant-linked savings opportunities > maximise cash back invested for customers • AI-Personalised Coach: Create conversational assistant that takes action (with consent) > adjusting round-ups, moving surplus cash to jars and goals > improved customer experience 8 AI driven customer experience enhancements in 2026 9 Strategic Partnerships: Agile with a keen focus on marketing ROI Over 400,000 interactions with our Podcast content since launch in March 2025. Strategic Partnerships Investing in better content to engage social media “Raiz Your Game” Podcast 10 The opportunity: continue to grow market share Rewards Users Active Users c340k Super Users Plus Users Winning new customers* Re-engagement and cross-promotion *Source: ABS, ASX (ASX Australian Investor Study 2023). 11 Compelling investment thesis 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 as momentum for continued growth 4 STRENGTH Strong balance sheet, well funded & strong team to execute on growth strategy as competitive landscape evolves 6 SOLID TRACTION Continued growth in core business metrics through the market cycle 2 SCALABLE Proven scalable technology and business model approaching inflection in operating profitability 5 12 Market information Share price, capital structure, and substantial shareholders Raiz Share Price & Volume Source: FactSet and Computershare company registry Capital structure (4-Feb-26) Shares on issue 105.4m Share price A$0.605 12-month range A$0.42 - A$0.96 Market capitalisation A$64m Cash & cash equivalents 30 June 2025 A$13m Top Holdings (4-Feb-26) Shares (%) 1 THORNEY INVESTMENTS 16.0m 15.1 2 SEVEN WEST MEDIA INVESTMENTS PTY LTD 6.2m 5.9 3 ACORNS GROW INCORPORATED 5.2m 4.9 4 STATE STREET GLOBAL ADVISORS INC 4.8m 4.6 Top 20 Holdings 64.4m 61.1 Other Holdings 41.0m 38.9 Total 105.4m 100.0 13 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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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. 14 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)