Investor Presentaiton

Key operating and financial metrics Loan book value and growth Total originations ($'000) New customer originations ($'000) Existing customer originations ($'000) Loan book (period end) ($'000) Loan book (average) ($'000) Average interest rate (%) Average funding rate (%) Net interest income (%) Risk adjusted income (%) Year ended Year ended 30 June 2023 30 June 2022 Change Change % 426,234 442,540 (16,306) (4%) 253,595 283,607 (30,012) (11%) 172,639 158,933 13,706 9% 744,000 580,971 163,029 28% 683,097 432,501 250,596 58% 15.5% 15.9% (40bps) (40bps) 6.0% 4.5% 150bps 150bps 9.6% 11.8% (220bps) (220bps) 6.0% 9.3% (330bps) (330bps) Loan book quality Incurred credit loss ($'000) 24,552 10,611 13,941 131% Incurred credit loss to average gross loans (%) 3.6% 2.5% Provision rate (%) 4.9% 4.9% 110bps Obps 110bps Obps Productivity metrics Customer acquisition to origination ratio Costs to income ratio 2.9% 4.7% 28% 37% (180bps) (9%) (180bps) (24%) H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 30

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