financialstatementsandsu

Amounts in USD millions Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Transaction and service revenue 486 518 532 600 519 604 634 743 671 707 Gain on sale of consumer receivables — — — — — — — 73 57 69 Interest income 157 164 174 181 182 219 269 267 284 266 Total revenue 643 682 706 781 701 823 903 1,082 1,012 1,042 Processing and servicing costs (136) (148) (151) (161) (164) (187) (208) (250) (266) (233) Provision for credit losses (117) (106) (116) (156) (136) (174) (235) (250) (186) (192) Funding costs (113) (120) (123) (147) (130) (147) (180) (210) (171) (171) Transaction costs (366) (374) (390) (464) (430) (508) (623) (710) (623) (596) Transaction margin dollars 277 308 316 317 271 315 280 372 389 446 Technology and product development (78) (81) (78) (71) (83) (93) (97) (102) (110) (111) Sales and marketing (77) (77) (65) (91) (80) (83) (85) (106) (87) (111) Customer service and operations (57) (47) (42) (45) (51) (48) (50) (51) (54) (57) General and administrative (51) (58) (52) (67) (54) (62) (63) (66) (70) (76) Adjusted operating expenses (263) (263) (237) (274) (268) (286) (295) (325) (321) (355) Adjusted operating income (loss) 14 45 79 43 3 29 (15) 47 68 91 - Depreciation, amortization and impairments (36) (38) (34) (77) (26) (27) (25) (28) (24) (23) - Share based payments (5) (9) (20) (57) (59) (26) (39) (33) (29) (38) - Restructuring and other (2) (3) (12) (8) (8) (21) (5) 2 2 (4) Operating profit (loss) (28) (5) 13 (101) (90) (46) (83) (11) 17 27 Other income (expense) 3 2 2 147 (2) 0 (4) (5) (2) 0 Profit (Loss) before income tax (25) (3) 15 46 (92) (46) (87) (16) 15 27 Income tax (5) 1 (2) (6) (7) (7) (8) (10) (14) (18) Net income (loss) (30) (2) 12 40 (99) (53) (95) (26) 1 9 Like-for-like growth rates Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 GMV 9% 15% 19% 23% 22% 15% Transaction and service revenue 9% 12% 15% 18% 21% 15% Gain on sale of consumer receivables Interest income 18% 28% 49% 39% 46% 19% Total revenue 11% 16% 23% 32% 36% 25% Processing and servicing 22% 23% 33% 49% 54% 23% Provision for credit losses 19% 60% 98% 55% 29% 9% Funding costs 18% 17% 40% 35% 23% 14% Transaction costs 20% 32% 54% 47% 37% 16% Transaction margin dollars 0% (3%) (16%) 10% 34% 39% Technology and product development 7% 8% 19% 33% 26% 18% Sales and marketing 6% 4% 26% 10% 1% 31% Customer service and operations (10%) (4%) 11% 4% (5%) 15% General and administrative 9% 0% 15% (6%) 23% 21% Adjusted operating expenses 3% 3% 19% 11% 12% 22% Rounding effects may be present in these tables

US · United States Amounts in USD millions Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 GMV ($m) · US 4,154 4,521 4,642 5,998 5,113 6,202 6,643 8,553 7,115 7,887 Transaction and service revenue 138 150 157 203 177 194 200 247 224 238 Gain on sale of consumer receivables — — — — — — — 60 57 41 Interest income 42 50 53 57 61 81 117 106 117 97 Total revenue 179 200 210 261 238 275 317 413 399 376 Processing and servicing costs (61) (65) (68) (75) (73) (88) (94) (119) (139) (121) Provision for credit losses (47) (48) (53) (92) (58) (102) (135) (140) (84) (105) Funding costs (29) (37) (37) (44) (40) (47) (71) (90) (70) (63) Transaction costs (137) (150) (158) (210) (171) (236) (300) (349) (293) (288) Transaction margin dollars (TMD) 42 50 52 51 67 39 17 64 106 88 TMD % of Revenue 24% 25% 25% 19% 28% 14% 6% 15% 27% 23% Global (Ex-US) · all other markets Amounts in USD millions Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 GMV ($m) · Global (Ex-US) 19,674 21,343 21,530 23,384 20,210 24,980 26,016 30,145 26,576 28,762 Transaction and service revenue 348 368 375 397 342 410 433 496 446 469 Gain on sale of consumer receivables — — — — — — — 13 — 28 Interest income 115 114 120 124 121 138 152 161 167 169 Total revenue 463 482 496 521 463 548 586 669 613 666 Processing and servicing costs (75) (83) (84) (86) (90) (100) (114) (131) (127) (112) Provision for credit losses (70) (59) (63) (65) (78) (72) (100) (109) (102) (87) Funding costs (84) (83) (85) (104) (90) (101) (109) (120) (102) (108) Transaction costs (229) (224) (232) (255) (259) (272) (323) (361) (331) (308) Transaction margin dollars (TMD) 234 258 264 266 203 276 263 308 283 358 TMD % of Revenue 51% 53% 53% 51% 44% 50% 45% 46% 46% 54% Rounding effects may be present in these tables

Allowance for credit losses walk Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Opening balance 332 354 401 492 492 449 Provision for credit losses 136 174 235 250 186 192 Realized losses (123) (141) (144) (193) (169) (166) Asset sale activity — — — (57) (55) (59) FX / other 9 14 — — (5) (3) Closing balance 354 401 492 492 449 413 Delinquencies Financing 60+ DPD Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 US 2.9% 3.2% 3.4% 3.0% 2.8% 3.7% 3.6% 3.3% not mature yet Global (Ex-US) 1.6% 1.5% 1.4% 1.6% 1.6% 1.8% 1.7% 1.7% not mature yet Financing 30+ DPD Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 US 2.6% 2.9% 3.2% 2.9% 2.6% 3.5% 3.4% 3.2% 3.0% Global (Ex-US) 1.8% 1.6% 1.5% 1.7% 1.7% 1.9% 1.8% 1.8% 1.6% Pay Later 30+ DPD Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 US 1.1% 1.3% 1.3% 1.4% 1.2% 1.7% 1.6% 1.6% 1.3% Global (Ex-US) 1.9% 1.7% 1.7% 1.6% 1.5% 1.6% 1.7% 1.6% 1.4% Pay Later 60+ DPD Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 US 1.0% 1.2% 1.2% 1.2% 1.1% 1.5% 1.4% 1.4% 1.1% Global (Ex-US) 0.9% 0.7% 0.8% 0.7% 0.8% 0.9% 1.0% 0.9% 0.8% Cumulative net charge-offs US Cumulative Net Charge-offs Financing - Months since origination 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Q1'24 0.2% 1.0% 1.6% 2.2% 2.7% 3.0% 3.2% 3.3% 3.4% 3.5% 3.5% 3.5% 3.5% 3.5% 3.5% Q2'24 0.2% 1.1% 1.8% 2.4% 2.9% 3.2% 3.4% 3.5% 3.5% 3.6% 3.6% 3.6% 3.6% 3.6% 3.6% Q3'24 0.2% 1.3% 2.0% 2.6% 3.1% 3.4% 3.6% 3.6% 3.7% 3.8% 3.8% 3.9% 3.9% 3.9% 3.9% Q4'24 0.2% 1.2% 2.0% 2.5% 2.9% 3.2% 3.4% 3.5% 3.7% 3.8% 3.9% 3.9% 4.0% Q1'25 0.2% 1.1% 1.7% 2.2% 2.7% 3.0% 3.2% 3.4% 3.5% 3.6% Q2'25 0.4% 1.7% 2.6% 3.2% 3.6% 3.9% 4.1% Q3'25 0.3% 1.5% 2.3% 2.8% Q4'25 0.3% Global (Ex-US) Cumulative Net Charge-offs Financing - Months since origination 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Q1'24 0.1% 0.3% 0.5% 0.7% 0.9% 1.1% 1.2% 1.2% 1.3% 1.3% 1.4% 1.4% 1.4% 1.5% 1.5% Q2'24 0.1% 0.3% 0.5% 0.6% 0.8% 0.9% 1.0% 1.0% 1.1% 1.2% 1.2% 1.2% 1.3% 1.3% 1.3% Q3'24 0.1% 0.3% 0.4% 0.5% 0.7% 0.8% 0.9% 1.0% 1.1% 1.1% 1.2% 1.2% 1.2% 1.2% 1.3% Q4'24 0.1% 0.4% 0.6% 0.7% 0.9% 1.0% 1.1% 1.2% 1.2% 1.3% 1.3% 1.3% 1.4% Q1'25 0.1% 0.3% 0.5% 0.7% 0.8% 1.0% 1.2% 1.2% 1.3% 1.3% Q2'25 0.1% 0.3% 0.6% 0.8% 1.0% 1.1% 1.2% Q3'25 0.1% 0.3% 0.5% 0.7% Q4'25 0.1% US Cumulative Net Charge-offs Pay Later - Months since origination 3 4 5 6 7 8 Q1'24 0.0% 0.3% 0.7% 0.8% 0.8% 0.8% Q2'24 0.0% 0.3% 0.9% 1.0% 0.9% 0.9% Q3'24 0.0% 0.3% 0.9% 1.0% 0.9% 0.9% Q4'24 0.0% 0.3% 0.9% 1.0% 1.0% 1.0% Q1'25 0.1% 0.3% 0.9% 0.9% 0.9% 0.9% Q2'25 0.1% 0.5% 1.2% 1.3% 1.3% 1.2% Q3'25 0.1% 0.4% 1.1% 1.2% 1.2% 1.1% Q4'25 0.1% 0.3% 1.1% 1.1% Global (Ex-US) Cumulative Net Charge-offs Pay Later - Months since origination 3 4 5 6 7 8 Q1'24 0.0% 0.0% 0.0% 0.0% 0.2% 0.2% Q2'24 0.0% 0.0% 0.0% 0.0% 0.2% 0.2% Q3'24 0.0% 0.0% 0.0% 0.1% 0.2% 0.2% Q4'24 0.0% 0.0% 0.0% 0.1% 0.2% 0.2% Q1'25 0.1% 0.1% 0.1% 0.1% 0.2% 0.3% Q2'25 0.0% 0.0% 0.0% 0.1% 0.2% 0.3% Q3'25 0.0% 0.0% 0.0% 0.1% 0.2% 0.3% Q4'25 0.0% 0.0% 0.0% 0.1%

Amounts in USD millions Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Cash and cash equivalents 3,243 4,105 5,504 6,795 3,803 2,806 2,672 Debt securities 454 1,188 1,381 1,657 1,518 2,132 2,593 Consumer receivables 8,141 8,124 9,950 10,095 10,459 9,166 8,831 Consumer receivables at fair value through OCI — — — — 386 542 718 Consumer receivables at fair value through profit and loss* 2 112 9 111 400 124 204 Other financial assets at amortized cost — — — — — 776 526 Settlement, trade and other receivables 493 501 699 553 580 855 544 Property and equipment 85 87 64 54 60 62 34 Goodwill 613 643 680 681 685 671 664 Intangible assets 376 397 402 392 383 358 345 Deferred tax assets 33 34 28 36 36 26 25 Other assets* 364 335 472 408 487 470 610 Total Assets 13,804 15,526 19,189 20,782 18,797 17,988 17,766 Accounts payable and accrued expenses 572 524 547 562 655 545 546 Consumer deposits 9,510 10,843 13,970 13,972 13,003 12,301 11,673 Payables to merchants 696 987 1,168 753 736 855 934 Notes payable and other borrowings 513 534 727 2,623 1,359 1,415 1,687 Deferred tax liabilities 1 1 1 3 2 3 3 Other liabilities 255 294 266 249 358 235 256 Total Liabilities 11,547 13,183 16,679 18,162 16,113 15,354 15,100 Share capital — — — 4,199 — — — Additional paid in capital 4,646 4,654 4,805 892 427 450 458 Other equity instruments — — — — — — — Reserves (479) (282) (184) (170) (90) (165) (213) Retained Earnings (Accumulated deficit) (2,081) (2,202) (2,283) (2,472) 2,170 2,173 2,196 Total equity excluding non-controlling interests 2,086 2,170 2,338 2,449 2,507 2,458 2,441 Non-controlling interests 171 173 172 171 177 176 225 Total equity 2,257 2,343 2,510 2,620 2,684 2,634 2,666 Total equity and liabilities 13,804 15,526 19,189 20,782 18,797 17,988 17,766 *Note: Prior to Q4'25, Consumer receivables at fair value through profit and loss was presented in Other assets. They are broken out here for convenience Rounding effects may be present in these tables

Amounts in USD millions Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Interest costs on funding 109 124 138 132 121 125 Fair value adjustment on loans sold and held for sale 21 23 42 78 50 46 Funding costs 130 147 180 210 171 171

GMV Amounts in USD millions Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Group 23,828 25,864 26,172 29,382 25,323 31,182 32,659 38,698 33,691 36,648 Charge card equivalent/ Pay Later 17,634 19,669 19,802 23,530 20,226 24,986 25,803 30,467 26,089 28,347 Point of sale Installments / Fair Financing 1,110 1,240 1,359 1,696 1,721 2,577 3,247 4,500 4,103 4,691 Everyday spending / Pay in Full 5,084 4,955 5,011 4,156 3,376 3,619 3,609 3,731 3,499 3,611 US 4,154 4,521 4,642 5,998 5,113 6,202 6,643 8,553 7,115 7,887 Charge card equivalent/ Pay Later 3,643 3,900 4,007 5,127 4,217 4,643 4,512 5,412 4,265 4,543 Point of sale Installments / Fair Financing 491 590 598 821 850 1,498 2,056 3,026 2,724 3,216 Everyday spending / Pay in Full 20 31 37 50 46 61 75 115 126 128 Global (Ex-US) 19,674 21,343 21,530 23,384 20,210 24,980 26,016 30,145 26,576 28,762 Charge card equivalent/ Pay Later 13,991 15,769 15,795 18,403 16,009 20,343 21,291 25,055 21,824 23,804 Point of sale Installments / Fair Financing 619 650 761 875 871 1,079 1,191 1,474 1,379 1,475 Everyday spending / Pay in Full 5,064 4,924 4,974 4,106 3,330 3,558 3,534 3,616 3,373 3,483 KPI metrics Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Active consumers (m) 83 84 87 92 98 111 114 118 119 120 ARPAC ($) 29.3 30.6 31.3 30.5 29.2 27.2 28.1 29.8 32.1 33.7 Merchant partners (k) 568 588 615 681 723 786 850 966 1,075 1,208