Investor Presentaiton

FY23 results continue a resilient profitable growth story FY23 FY22 Change Loan book $744m $581m 28% ↑ Revenue $107m $73m 47% ↑ Net Interest Margin 9.6% 11.8% On Target Cost to income ratio 28% 37% 900bps ↑ Cash NPAT $4.7m $0.2m 2250% ↑ Cash Return on Equity 8.4% 0.3% 810bps ↑ H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 5

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