Investor Presentaiton

Deep data and machine learning deliver prime loan book Deep Consumer Data + Machine Learning + Automation Lower Lower + CAC Lower Losses Fixed Return on Equity target + Funding + Costs Opex of 20% run rate in FY25 Risk Adjusted Income (after losses) 6% Credit losses Convenient online consumer-direct model provides deep data, powering machine learning and automation to deliver resilient prime borrowers at scale. Loan portfolio comprised of 74% employed in either professional, office or trades roles and 87% aged 30+. Group credit losses have increased to 3.6% on Australian portfolio "seasoning" following rapid prior year growth, but remain well within 3% - 4% target range. 90+ day arrears at 30 June 2023 0.58%. 6% 4% 2% 0% FY22 Low 90+ day arrears 2% 1% 0% Jul Aug Sep Oct Nov Dec Jan Feb -FY23 - FY22 ■■AU Mkt. Avg. FY23* FY23 Mar Apr May Jun 1.40% 0.58% *Source: Equifax Australian Consumer Credit Demand Index 2023 Q2, Personal Loan series. H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 17

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