Investor Presentaiton
Key points you should know about us
Financial
Cash NPAT of $4.7m.
Cost to income ratio of 28%.
Unrestricted cash $27.5m.
Customer value
Customers rate us!
Google & Shopper Approved
4.7/5 overall rating from
>53,000 reviews.
Risk management
Quality portfolio.
>40% Homeowners.
3.6% losses.
0.58% 90+ day arrears.
Attractive 9.6% net interest
margin. Ability to easily adjust
rates due to consumer-direct
model.
Targeting
Cash Return on Equity >20%.
Existing customers
return for future loans creating
annuity stream - at minimal
Customer Acquisition Cost
(CAC).
Trans-Tasman appeal with
Australia now 51% of loan
book.
Diversified funding from 3 of
the "Big 4" Australian banks
+ securitisation programs in AU
and NZ.
76% of borrowings
hedged to mitigate impact of
interest rate movements.
H
HARMONEY ©2023
FY23 INVESTOR PRESENTATION
25 AUGUST 2023
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