FY22 Investor Presentation
Key operating and financial metrics
Loan book value and growth
Total originations ($'000)
New customer originations ($'000)
Existing customer originations ($'000)
Loan book (period end) ($'000)
Loan book (average) ($'000)
Average interest rate (%)
Average funding rate (%)
Net interest margin (%)
Statutory
Year ended
30 June 2022
Pro Forma
Year ended
30 June 2022
Pro Forma
Year ended
Pro Forma
Change %
30 June 2021
472,364
472,364
255,457
85%
302,831
302,831
136,381
122%
169,533
169,533
119,076
42%
641,744
684,992
500,831
37%
462,904
573,814
480,623
19%
15.9%
15.8%
16.3%
(50bps)
4.5%
4.0%
5.8%
(180bps)
11.7%
12.1%
10.6%
150bps
9.3%
8.4%
6.8%
160bps
Net lending margin (%)
Loan book quality
Incurred credit loss ($'000)
11,354
20,866
18,626
12%
Incurred credit loss to average gross loans (%)
2.5%
3.6%
3.9%
(30bps)
Provision rate (%)
4.9%
5.3%
5.6%
(30bps)
Productivity metrics
Marketing to origination ratio
4.7%
4.7%
6.4%
(170bps)
Verification & servicing to origination ratio.
1.2%
1.2%
1.4%
(20bps)
Personnel to income ratio
13.4%
11.5%
11.7%
(20bps)
Technology to income ratio
5.7%
4.9%
4.1%
80bps
General and administrative to income ratio
5.5%
4.7%
6.2%
(150bps)
H
HARMONEY ©2022
FY22 INVESTOR PRESENTATION
31 AUGUST 2022
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