FY22 Investor Presentation
Cash Flow
Balance Sheet
Year ended
30 June 2022
$'000
Year ended
30 June 2021
$'000
Cash and cash equivalents
30 June 2022
$'000
30 June 2021
$'000
Cash flows from operating activities
Interest received
Interest paid
62,747
76,464
73,829
38,231
Trade and other assets
1,839
1,894
(18,611)
(10,295)
Finance Receivables 1
641,013
310,196
Fee income (rebated) / received
(2,265)
5,338
Expected credit loss provision
(31,881)
(15,375)
Payments to suppliers and employees
(47,577)
(34,862)
Property and equipment
389
642
Net cash generated / (used in) by operating activities
5,376
(1,588)
Intangible assets
9,416
3,455
Deferred tax assets
9,134
11,490
Cash flows from investing activities
Derivative financial instruments
8,669
Net advances to customers
(342,414)
(180,044)
Total assets
701,326
388,766
Payments for software intangibles and equipment
(6,744)
Net cash used in investing activities
(349,158)
(3,694)
(183,738)
Payables and accruals
6,846
Borrowings
623,231
Cash flows from financing activities
Provisions
5,700
7,324
291,541
13,405
Net proceeds from finance receivables borrowings
314,121
170,227
Lease liability
238
717
Net proceeds from /(repayment of) debt financing
16,569
(10,694)
Derivative financial instruments
85
Net proceeds from share issue, net of transaction costs
67,550
Total liabilities
636,015
313,072
Principal element of lease payments
(881)
(969)
Net cash generated by financing activities
329,809
226,114
Net assets
65,311
75,694
Cash and cash equivalents at the beginning of the period
76,464
34,779
Share capital
131,559
131,399
Net (decrease) / increase in cash and cash equivalents
Effects of exchange rate changes on cash and cash equivalents
Cash and cash equivalents at the end of the period
(13,973)
40,788
Foreign currency translation reserve
820
564
256
897
Share based payment reserve
3,368
216
62,747
76,464
Cash flow hedge reserve
6,143
(85)
Accumulated losses
(76,579)
(56,400)
Equity
65,311
75,694
684,992
500,831
Total group loan book 2
1 Includes warehouse funded loans only
2 Includes warehouse and peer-to-peer funded loans
H
HARMONEY ©2022
FY22 INVESTOR PRESENTATION
31 AUGUST 2022
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