FY22 Investor Presentation
Australian expansion powering loan book growth
113% growth in Australian loan book
• Record year end $685m pro forma Group loan book,
representing 37% growth on pcp.
Loan book now 94% funded by warehouses,
allowing move to statutory only reporting from 1 July
2022 onwards.
Growth driven by 207% growth on pcp in Australian
loan originations, coming from both new customers
and building annuity of existing customers.
NZ book growth restrained due to significant
regulatory changes applied to all consumer lenders in
Dec 2021, which are now being partially relaxed.
Group loan book
$800m
$600m
$400m
$200m
$0m
FY21 Statutory
FY21 Pro forma
FY22 Statutory
FY22 Pro forma
Group loan originations
$300m
$200m
$100m
H
HARMONEY ©2022
FY22 INVESTOR PRESENTATION
$0m
FY21
FY22
FY21
FY22
NZ
AU
Existing customers New customers
31 AUGUST 2022
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