Investor Presentaiton

Continuing loan book growth in both countries Australian loan book now 51% • Group loan book $744m, up 28% on pcp, with growth in both countries. • Moderated originations, 4% lower on 41% lower customer acquisition spend. • Australian loan book surpassed New Zealand for the first time, on larger market opportunity. Australian existing customer originations grew 28% on expanding new customer base. Group Loan Book $800m $600m $400m $200m $0m FY22 New Zealand Australia Group Loan Originations $500m $400m $300m $200m $100m $0m H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 FY23 FY22 FY23 New Zealand Australia 6

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