FY22 Investor Presentation

Outlook Interest rates and pricing response · Ability to pass through targeted borrower interest rate increases through sophisticated risk based pricing model, >100bps average increase passed though in April 2022 without impacting demand. . Funding costs protected with a diversified funding panel and >70% of floating rate borrowings hedged. Asset quality . High quality diversified loan book >40% home ownership, 99% regular employment / self employed (see Appendix for more detail). Low arrears rate. Growth expected to remain strong due to large TAM Harmoney consumer-direct model, focused on customer experience is taking market share from banks, plenty of room to grow in $140bn+ market. FY23 outlook Origination growth Loan book growth Net Interest Margin >10% Cash NPAT growth H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 25

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