Investor Presentaiton
#3 - FINANCIAL RESULTS
H1 FY21 result
Strong revenue growth and low credit losses see improving profitability - ahead of prospectus
forecast on all key lines
$m
H1 FY20
H1 FY21
% change
vs Prospectus
Loan originations
125.2
167.0
33%
Loan portfolio (period end)
306.0
435.1
42%
Loan portfolio (average)
274.9
393.5
43%
1
Net charge-off rate
2.7%
1.1%
(59)%
Revenue
18.4
26.0
41%
NLAT (pro forma)
(7.9)
(3.4)
(57)%
Cash NLAT (pro forma)²
(6.9)
(1.5)
(79)%
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) Cash NLAT defined as NLAT + change in provisions for expected credit losses + share-based payments + depreciation & amortisation. Refer
to page 32 for a reconciliation between NLAT and cash NLAT.
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