1. Credit Corp FY18 Results Presentation

2. Leadership in the credit impaired consumer segment…

3. …has produced sustained financial performance…

4. …delivering 17% earnings growth in 2018…

5. While positioning CCP to seize opportunity across all segments…

6. Solid momentum in Aus/NZ debt buying…

7. Supported by improved operational performance

8. Heavily differentiated compliance model…

9. …underpins a solid purchasing outlook

10. Financial capacity in place to seize any additional opportunity

11. Consumer loan book on accelerating growth trajectory…

12. …due to strong customer acquisition and retention…

13. …which is driving impressive earnings growth…

14. …while new lending opportunities emerge

15. US debt buying economics in line with established competitors…

16. …while we continue to focus on growth and improvement…

17. …to capture the market opportunity…

18. …and grow profits

19. Outlook is for a year of solid earnings growth

20. Appendix - Key operating metrics

21. Appendix 1 - Operating cash flows and gearing

22. Appendix 2 - Pricing discipline and accuracy

23. Appendix 3 - Collections life cycle

24. Appendix 4 - Productivity

25. Appendix 5 - Payers base

26. Appendix 6 - Operational and total headcount