FY22 Investor Presentation
9 key points you should know about us
Cash NPAT profitable and
positive cash flow from
operating activities.
Unrestricted cash $35m.
Diversified funding from
3 of the "Big 4" banks +
securitisation program.
Australia now 70% of new
customer originations.
Attractive 11.7% net
interest margin. Ability to
easily adjust rates due to
consumer-direct model.
73% of floating rate
borrowings hedged to
mitigate impact of interest
rate market movements.
Customers rate us!
Google & Shopper
Approved of 4.7/5 from
>45,000 reviews.
Quality portfolio.
>40% Homeowners.
0.45% 90+ day arrears.
Risk based pricing.
Targeted >100 bps
increase from April with
no drop in demand.
Existing customers
return for future borrowings
creating annuity stream (at
near zero CAC).
H
HARMONEY ©2022
FY22 INVESTOR PRESENTATION
31 AUGUST 2022
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