FY22 Investor Presentation

Key performance indicators FY22 Statutory FY22 Pro Forma FY21 Pro Forma Loan book $642m $685m $501m Revenue $78m $91m $79m Net interest margin 11.7% 12.1% 10.6% Net lending margin 9.3% 8.4% 6.8% Direct opex $28m $28m $20m Indirect (fixed) opex $19m $19m $17m Cash NPAT $0.2m $1.5m ($0.4m) H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 15

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