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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 1 Investor Day MotorCycle Holdings Limited (ASX:MTO) | 8 October 2026
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 2 Investor Day Agenda Time Activity 10:00am – 10:30am Arrival 10:30am – 11:30am Formal Presentation 11:30am – 12pm Q&A 12:00pm – 12:30pm Light lunch and depart for MCAS Alexandria 12:45pm - 1:15pm MCAS Alexandria Store Tour and Q&A with the MCAS EGM and Management Team 1:15pm Travel to Harley-Heaven Tempe 1:30pm – 2:00pm Harley-Heaven Tempe Store Tour and Q&A with the Harley-Davidson EGM and Management Team 2:00pm Return Transfer to CBD 2:15pm Arrival in CBD
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 3 Section Presenter 1 Group Strategy Matthew Wiesner, CEO 2 The Modern Customer Matthew Wiesner, CEO 3 Wholesale & Retail Operations Michael Poynton, COO 4 Digital & Data Transformation Journey Denise Tung, EGM DDT 5 Amazing People Sarah Marshall, EGM P&C 6 Financial Framework John Wadley, CFO 7 Closing Matthew Wiesner, CEO 8 Leadership Q&A Executive Team Presentation Structure
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 4 Our Board Board Michael Poynton Executive Director Rick Dennis Chair Peter Henley Non-Executive Director Rob Cassen Non-Executive Director Nikki Thomas Non-Executive Director
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 5 Our Management Team Matthew Wiesner Chief Executive Officer John Wadley Chief Financial Officer Michael Poynton Chief Operating Officer Executive Management Denise Tung EGM Digital & Data Transformation Kellie Cordner EGM Customer Growth & Marketing Operational Management Sarah Marshall EGM People & Culture Steve Schilling EGM Harley-Davidson Scott Ryan EGM Peter Stevens Chay Alcock GM TeamMoto John Holding EGM Forbes & Davies (NZ) Josh Carter GM Mojo Commercial Matthew Reilly GM Mojo Steven Croad EGM Cassons & MCAS Retail Wholesale
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 6 1. Group Strategy Matthew Wiesner
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 7 We are scaling Australia’s Leading Powersports Platform
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 8 Motorcycles ATVs and Side-by-Sides Personal watercraft Parts and accessories Apparel and protective equipment Service and ownership solutions Finance and insurance solutions Other new opportunities Expansion into Powersports We are aiming to reach the broader participation economy - every ride, every rider and every moment of their ownership
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 9 Powersports Opens Multiple Levers for Growth Strategic initiatives that maximise our assets have a multiplier effect on our business Acquisitions New suppliers New commercial initiatives More Customers More Categories More Occasions More Touchpoints Multiplier effect on revenue We have market leadership, now it’s about capitalising on our foundations
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 10 Our ecosystem is made up of three interconnected segments Defining the Engine of our Model Wholesale Retail Powersports We import and distribute vehicles, parts and accessories to dealers and retailers across Australia and New Zealand We sell new and used vehicles, finance, insurance, servicing, parts, accessories and apparel direct to consumers through our stores and online We target the wider market for recreational and utility vehicles and everything owners spend on them Motorcycles All-Terrain Vehicles and Side-by-Side Vehicles Personal Watercraft Global supplier relationships Distributed brands Independent dealer network Warehousing and logistics Parts and aftersales Direct customer access Retail brand portfolio Store and workshop network Digital & physical channels Finance, insurance & service Scooters
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 11 A House of Brands...... Many Brands! Motorcycles and Powersports Parts and Accessories
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 12 MTO Transformation Objectives Data Foundations A connected customer journey across showroom, service, digital and partner channels – one MTO wherever the customer chooses to engage. Omni-channel Experience Trusted, accessible data enabled by platforms that power decisions, customer engagement and AI use cases across brands. Amazing People Support our people with strong leadership, capability uplift through training and building a performance culture to drive growth across motorcycling and adjacent categories. Property Reform Disciplined property strategy that maximises return per square metre across distribution and dealership network, formats and locations. Real-time insights for timely decision making MTO is easy to do business with High-performing teams. MTO easy to work for and with Operationally efficient sites that improve Customer experience A customer-first approach One Company. One Platform. Four Pillars
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 13 Building on our Strong Foundation 14,491 15,637 18,875 10,113 10,565 12,192 14,079 17,513 20,120 FY24 FY25 FY26 Retail: New Retail: Used Wholesale $152.3 $19.6 $13.8 $163.0 $25.9 $18.0 $211.2 $36.5 $25.7 GP PBT NPAT $582 $650 $789 Total Revenue FY24 FY25 FY26 AU 199 NZ 49 248 Retail 42 MCAS 10 Wholesale 6 58 17.4c 24.4c 34.8cEPS $91.7 $96.7 $106.1 FY24 FY25 FY26 5,635 6,023 6,547 Sales Volume: Total Group Financial: Total Group ($m)1 Independent Dealerships Property Net Amount Financed ($m) (Finance contracts) $119.1 $17.3 $14.6 $138.2 $17.8 $15.9 $163.8 $20.4 $18.6 Parts & accessories revenue Service revenue Finance & insurance revenue FY24 FY25 FY26Revenue by service line ($m) 1. PBT and NPAT are shown on an underlying basis. Plus 1,700+ P&A retailers
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MotorCycle Holdings Limited (ASX:MTO) | 14 14 2. The Modern Customer Matthew Wiesner
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 15 Today’s Rider Defies the Stereotype Our Customers are younger, well paid, family-focused and defy the stereotype. Outdoors, social, lovers of brands & tech savvy 65% Of buyers are under 50 & 53% of intenders are under 35 56% of buyers are professionals or office staff $153k average household income of buyers (intenders: $166k) 1in 4 in top quintile 36% of bikes in last 12 months were bought by women 44% have kids at home, 38% more likely than average Source: Roy Morgan Single Source, Apr 2024 – Mar 2026. Motorbike households n=7,126; buyers (last 12 months) n=811; intenders (n ext 12 months) n=573. ± and × vs average.
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 16 The Next Wave of Customers Looks Different Younger and more male Under-25s rise to 38%; women fall from 48% to 28% More aspirational & optimistic ‘Look At Me’ values 2×; buy for the label +49% Ambitious & informed +64% read biz Online and early tech adopters 52% intenders 24 hrs + a week online 16% 21% 48% 25% 20% 23% 42% 29% 18% 21% 36% 26% 19% 21% 45% 25% 38% 43% 28% 30% 25% 28% 38% 37% Under 25 Gen Z Women Tech early adopters Top (AB) quintile Professionals / managers Have any loan See economy improving Motorbike households Bought in last 12 months Intend to buy Source: Roy Morgan Single Source, Apr 2024 – Mar 2026. Households n=7,126; buyers n=811; intenders n=573.
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 17 Where Our Customers Spend Their Time On the water Fishing 1.4–1.8×; water sports 1.2–1.5× → Jet skis and marine Off-road and outback Outdoors 1.2–1.4×; bushwalking ~1.2× → Adventure bikes, ATVs, side-by-sides Track and trail Motor sports 1.9–4.2× the average → Dirt, MX and sport bikes Green and city-curious Intenders: eco trips +42%, cities +31% → Electric and commuter bikes 1.9× 1.4× 1.5× 1.2× 1.2× 1.1× 1.0× 0.9× 3.0× 1.6× 1.7× 1.2× 1.3× 1.2× 1.0× 0.9× 4.2× 1.8× 1.7× 1.5× 1.4× 1.2× 1.4× 1.3× Motor sports Fishing Worked on a car Water sports Outdoor activities Bushwalking Ecotourism trip Bright lights, big cities Likelihood vs the average Australian (1.0× = average) Motorbike households Bought in last 12 months Intend to buy Source: Roy Morgan Single Source, Apr 2024 – Mar 2026. Households n=7,126; buyers n=811; intenders n=573.
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 18 Multiple Revenue Touchpoints in the Customer Lifecycle Our customers hobbies, lifestyle and psychographics underpin multi category purchases and follow on expenditure. Initial purchase New motorcycle Used motorcycle ATV or side-by-side Personal watercraft Value or premium model Follow-on expenditure • Servicing and repairs • Parts and tyres • Accessories and equipment • Apparel and safety gear • Finance and insurance • Customisation and upgrades
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 19 3. Wholesale and Retail Operations Michael Poynton
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 20 Wholesale is a Core Strength • Our business has evolved over the last decade: we are no longer a retail roll-up story • Three distribution businesses (Vehicles and Parts/Accessories) operating across AU/NZ • Vehicle distribution is underpinned by exclusive AU/NZ CFMOTO rights, reaching 20 years in 2027 • Approx. 65% of vehicle distribution revenue comes from the ORV (4W) range, which is agriculture- focused rather than consumer discretionary A significant wholesaler: 33% of revenue, 91% of segment profit Improving our retail operations makes our wholesale operations even stronger. This is the opportunity Retail 560.3 67% Wholesale 272.2 33% Total Revenue & Other Income ($m)* $832.5m Retail 3.8 9%Wholesale 37.8 91% Segment Profit ($m)* $41.5m *FY26 actual – non-consolidated
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 21 Our Wholesale Platform is Difficult to Recreate Build the Brand Build the Network Deliver and Support Brand identification and market entry Proven brand-building track record Regulatory and technical expertise Long-standing supplier credibility Large high quality independent dealer base Dealer recruitment and support Warehousing, logistics and inventory Physical & digital infrastructure, ANZ Industry leading parts, service and aftersales support ★ UNIQUE ADVANTAGE Direct access to Australia’s largest, highest-quality dealer network: our own stores Over 20 years we have built the brands, relationships and infrastructure that make wholesale an enduring profit centre
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 22 CFMOTO Case Study CFMOTO growth demonstrates a repeatable process of taking a brand to market leadership Early entry into Australia Overcome Chinese-brand perceptions Build a credible dealer network Expand the model and category range Establish parts and aftersales support Grow to a leading market position Extend across broader powersports
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 23 Long-term Growth Plan for CFMOTO for Australia We have spent a decade building up market leadership, and now we are aiming to turn our customers into repeat buyers for the next level of growth 1,399 1,682 1,611 1,462 2,299 4,855 8,146 7,579 7,242 8,552 9,782 517 852 1,339 1,834 3,135 4,682 5,601 1,594 1,937 2,089 1,866 2,816 5,707 9,485 9,413 10,377 13,234 15,383 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026e Retail units by segment and brand, actual 2016–2026e (Australia only) 4W (ORV) 2W (Motorcycle) 25.4% CAGR 2016–2026e (actual, Australia) 13.1% CAGR targeted for the next 5 years On this trajectory CFMOTO passes the largest brand in the market in 2033 – or 2032 including GOES. Australia only; excludes New Zealand
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 24 Long-term Growth Plan for CFMOTO for New Zealand CFMOTO New Zealand has grown from a low base, with CFMOTO Road driving rapid recent growth, up 10x since 2021 to almost 40% of retail units 80 180 569 336 392 748 1,026 832 741 1,145 1,250 13 70 162 163 484 731 701 80 180 593 351 405 818 1,188 995 1,225 1,876 1,951 0 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026e Retail units by segment and brand, actual 2016–2026e (New Zealand only) 4W (ORV) 2W (Motorcycle) Australia only; excludes New Zealand. 37.6% CAGR 2016–2026e (actual, NZ) 20.6% CAGR targeted for the next 5 years Targets take NZ from 1,951 units in 2026e to 4,986 in 2031 (2.6x).
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 25 Delivering on our Plan The targets assume the product pipeline and support below are in place 2026+ 2026+ 2027+ 2027+ 2027+ 2028+ GOES: build a second ORV brand Two ATVs at launch, range and dealer expansion from 2027 Dealer: dealer profitability focus Quality over quantity: lifting dealer standards to drive higher throughput per dealer as CFMOTO brand grows ORV: defend number one Ongoing new model releases with strong value proposition to defend and extend our share Road: step-change in range Building on recent road success, with new models opening new segments, including premium superbikes in 2027 Scooter: expanded offer A wider scooter line-up to be introduced to support our number one in segment ambition Off-Road: range introduction Entering largest segment (~44% in 2025) from 2028 with off road range to be introduced, building on our road success
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 26 Retail Complementing Wholesale Complementing Retail…..
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 27 Retail: Direct Access to the Customer Retail is where brands meet the customer – close to a million relationships started Direct Customer Access Close to a million relationships Customer data and insight Ongoing opportunities to transact Builds Our Brands Supports our wholesale brands Market power to build brands fast Physical reach, brand presence Early Market Insight Identifies market trends early Shapes ranges with wholesale Product adapted to demand Diversified Revenue New and used vehicle sales Parts, accessories and service Finance and insurance income
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 28 FY27 Retail Structure Dealerships/Stores 12 18 7 10 Locations National NSW/QLD VIC/SA/WA/ACT QLD/NSW/ACT/VIC Brands 1 15 11 30+ New Volume 2,500+ 8,000+ 7,000+ - Used Volume 3,000+ 5,500+ 3,000+ - Share of total market (circa) 3% 9% 8% - Group Revenue $200m+ $200m+ $150m+ $50m+
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 29 Harley-Davidson Case Study We have approximately 50% of the premium Harley-Davidson market from 12 dealerships – Morgan & Wacker and Harley-Heaven being the core brands 1,514 1,730 2,353 1,967 2,247 2,928 FY24 FY25 FY26 New Used Harley-Davidson retail sales volumes $134.3 $151.5 $204.0 Revenue FY24 FY25 FY26Financial: Harley-Davidson ($m) FY24 FY25 FY26Revenue by Service ($m) $26.7 $28.9 $44.7 GP $22.6 $8.3 $4.9 $23.7 $9.5 $5.4 $35.6 $14.9 $6.9 Parts & accessories revenue Service revenue Finance & insurance revenue NAF ($m) (Finance contracts) $31.7 $35.4 $42.4 FY24 FY25 FY26 1,128 1,271 1,499
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 30 Retail: Focus on Excellence Less is more: driving operational excellence to lift our retail PBT margin Simplify the Portfolio Control Costs Optimise Property More with our strong brand partners Less with fringe brands Leverage our market position Disciplined expense control Consolidation lowers our cost base Lift retail PBT margin Consolidate the property portfolio Get more from existing sites Better customer experience ★ OUR GOAL Not only the best, but the easiest for our customers to do business with
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 31 Property Review: Every Site Earning Its Place All retail and warehouse properties are under review to get more from our footprint and reduce group rental cost Retail sites: all under review Optimise Lift returns from the sites we keep Get more from existing sites Add brands to existing sites Exit Release cost tied up in weaker sites Close underperforming sites Focus on core brands only Grow Expand where the economics work New sites suited to multi-brand retail Only where returns stack up Warehouses: under review 6 warehouses operated across the group today Fewer, better-located warehouses Shared between our businesses Lower group rental cost
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 32 4. Digital & Data Transformation Journey Denise Tung
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 33 The Road to Simplification The Data Shift Silo, manual Single, automated The Technology Shift Monolithic Modular Improve data quality and ownership Single sources of truth Near real time reporting and insights One Company architecture Systems are scaled across MTO Strong governance and implementation The Experience Shift Transactional Relational Omni-channel customer experience Single View of Customer Relevant, contextual interactions
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 34 Data Foundations: Making Scale Visible and Actionable From scattered data to decision-ready foundations across the customer, finance and operations Personalisation Customer Insights Financial Performance Product information Real-time Inventory and Stock Trusted measures and definitions AI and automation foundations Faster decisions Improved product range Stronger retention Reduced waste Data Customer Experience Employee Experience
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 36 Omni-Channel Experience: Reaching More Customers Everywhere Increase conversion, customer retention and efficiencies in stock and inventory drives both top line and bottom-line growth Online & Physical One Company inventory Proactive lead management New & Used products Parts & Accessories Service & Finance/Insurance Fast fulfilment Retail & B2B Customers
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 38 5. Amazing People Sarah Marshall
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 39 Amazing People: A Deliberate Cultural Evolution Moving from under-investment and high turnover to an employee experience that attracts, grows and retains the best people in our industry Current State “Last choice” Low investment in people, workplaces, systems and tools Pay and conditions are not market- leading Poor employee experience makes work harder than it should be Leadership capability is inconsistent High turnover drains knowledge, productivity & customer consistency T H E ‘ A M A Z ING P EO P L E’ J O U RNEY Culture changes when many practical actions are sustained together over time. FY31 Ambition “Employer of choice” Great people choose MTO and build careers here Leaders create clarity and lift performance Employees can grow, learn, be recognised and rewarded Simpler systems create agility and more time for customers Consistent capability delivers a consistent customer experience 01 02 03 04 FOUNDATIONS Make Work Easier HRIS, self-service, clear roles and reliable tools PERFORMANCE Create Clarity Goals, KPIs, feedback and fair reward CAPABILITY Build Confidence Leadership and role-based development CAREERS Grow Our Own Talent reviews, succession and visible pathways
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 40 Amazing People: Making Great Performance Repeatable Amazing People brings connected, sustained investment across the complete employee experience so people can perform, develop and stay 01 People systems • HRIS & manager/employee self-service • One source of people data and records • Simpler, faster employee processes 02 Performance culture • Annual goals and KPIs • Regular performance conversations • Recognition and reward linked to contribution 03 Fair, competitive reward • Remuneration and benchmarking foundations • Market comparison & pay governance • Reward for attraction & retention 04 Leadership capability • Clear leadership expectations • Development at every level • Leaders equipped to lead change 05 Learning pathways • L&D leadership & competency frameworks • Role-based & customer-facing training • Visible, supported development pathways 06 Talent & succession • Annual talent review and succession planning • Critical-role pipelines • Internal mobility & career opportunities 07 Employee experience • Better tools, systems and workplaces • Consistent onboarding and support • Work made easier across the employee lifecycle 08 Recognition & retention • Growth, learning and contribution recognised • Employees see a future with us • Lower regrettable turnover EASIER TO DO GREAT WORK Simpler systems and clearer expectations › STRONGER CAPABILITY Better leaders and confident employees › BETTER CUSTOMER EXPERIENCES Consistent interactions across MTO › AGILITY & GROWTH People ready to adapt as MTO transforms
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 41 6. Financial Framework John Wadley
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 42 Disciplined capital allocation Strategy Execution to Value Creation Strategy Execution Leveraging our scale and assets into powersports growth Commercial Growth Revenue Quality Operational Efficiency Financial Discipline Retail productivity Wholesale growth Broader category participation Improved revenue & margin mix Recurring ownership revenue Customer retention Inventory turns Property productivity Operating leverage Our ecosystem is made up of three interconnected segments Motorcycle
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 43 5 Year Ambitions Financial Ambition (FY31) Revenue: *$400m+ PBT Margin 12.5 -13.5% Revenue: *$800m+ PBT Margin 2-3% Operational Ambition • Margin maintenance • Inventory turns and ageing • Margin improvement • Digital conversion & cross-channel activity Transformation Ambition • Property productivity • Data Foundations (Product catalogue) • Amazing people – Staff retention • Omni-Channel Experience Wholesale Retail Investment: Incremental opex spend (mainly DDT and HR headcount) commenced in FY26 and annualised impact in FY27. Approximately $2m of non-underlying spend anticipated in FY27 related to implementation of HRIS system and Data initiatives. *Pre-consolidation
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MotorCycle Holdings Limited (ASX:MTO) | 44 44 7. Closing Matthew Wiesner
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 45 Scale already established Wholesale already strong Retail access already extensive Customer base broader than perceived Powersports opportunity expanding Transformation underway Financial discipline guiding execution Positioned to Execute on our Group Strategy • MTO combines an established wholesale and distribution platform with Australia’s largest motorcycle retail network • Our strategy is to strengthen both engines, expand further into powersports • Our four pillars of transformation – Amazing People, Omni-channel Reach, Data Foundations and Property Reform – converts our scale into stronger and more sustainable returns
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MotorCycle Holdings Limited (ASX:MTO) | Investor Day Presentation | October 2026 | 46 8. Leadership Q&A Executive Team