Investor Presentaiton
#5 APPENDICES
Key operating and financial metrics
H1 FY20
H2 FY20
H1 FY21
125.2
161.3
167.0
Loan originations ($m)
Average term of new originations (months)
53.7
55.9
62.5
Closing loan portfolio ($m)
306.0
380.9
435.1
Average loan portfolio ($m)
274.9
346.8
393.5
Average borrowings ($m)
269.8
341.3
389.1
Average interest rate
13.3%
12.4%
12.1%
% of average gross loan portfolio
Average funding cost rate
7.1%
6.5%
6.3%
% of average borrowings
Net charge off¹
2.7%
2.0%
1.1%
% of average closing loan portfolio
2
Loan portfolio amortisation rate
% of closing loan portfolio, monthly
4.8%
4.7%
4.9%
Plenti
Notes: 1) Net charge-off rate calculated as actual loan receivables written off in the period net of loss recoveries divided by average loan portfolio
value. 2) Calculated as change in closing loan portfolio less new loan originations for the period as a % of the previous period closing loan portfolio
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