Slide 1: FY26 Results Presentation
RESIMAC GROUP FY26 Results Presentation. Stronger earnings. Disciplined growth. Clearer strategic focus. Pete Lirantzis Andrew Marsden Tonderai Maenzanise Chief Executive Officer Chief Treasury Officer Interim Head of Finance
Slide 2: Today's presenters
Today’s presenters. Pete Andrew Tonderai Lirantzis Marsden Maenzanise Chief Executive Officer Chief Treasury Officer Interim Head of Finance The executives leading APPOINTED APRIL 2025 JOINED RESIMAC IN 2004 JOINED RESIMAC IN 2026 strategy, funding, and financial performance Leads group strategy, Re
Slide 3: Our mission
WHAT WE LEND Our Home Loan Asset Finance mission. Prime and non-conforming Investment property Specialist in helping the Secured business Business auto Equipment lending Consumer auto home loans lender self-employed loans To shape the future of ENABLED BY non-bank lending through intelligent innovat
Slide 4: FY26 highlights
FY26 Normalised Normalised Statutory highlights. operating profit1,2,3,4 NPAT1,2,3 NPAT3 $92.9m $49.9m $49.2m vs. FY25 $78.6m 18% vs. FY25 $39.7m 26% vs. FY25 $34.6m 42% FY26 fully franked ordinary dividend 10.0c 43% Cost to income ratio1,2 (Normalised) Home Loan settlements Home Loan AUM vs. FY25 7
Slide 5: Home Loan: Core focus. Strong momentum.
HOME LOAN Core focus. Strong momentum. Home Loan momentum strengthened through FY26. Home Loan settlements increased 20% to $5.9bn, supported FY26 FY26 FY26 FY26 FY26 vs. FY25 applications settlements closing AUM average AUM AUM increased by strong application flow despite a competitive market.
Slide 6: Home Loan: Built for growth. Backed by quality.
HOME LOAN Built for growth. Backed by quality. Growth supported by sound portfolio fundamentals. Home Loan portfolio Home Loan weighted average Home Loan dynamic Home Loan AUM was $14.7bn composition portfolio dynamic LVR1,2 LVR bands1,2 at FY26 close, with the portfolio split across Prime Loan ty
Slide 7: Asset Finance: Full cycle portfolio management
ASSET FINANCE Full cycle portfolio management. Managing the portfolio in line with the prevailing operating environment to optimise risk adjusted returns. Volume Composition Settlements deliberately moderated. FY26 $0.8bn | vs. FY25 $0.9bn Focus on higher risk-adjusted returns. Settlements ($bn)
Slide 8: Funding advantage driving growth and returns
Funding advantage driving growth and returns. Access to diversified funding markets continues to lower cost of funds, support portfolio growth, and enhance shareholder returns. Resimac issued $5.0bn of RMBS and $0.5bn of FY26 issuance totalled $5.5bn, with High quality mix of bank warehouse fa
Slide 9: Priorities and strategy
Priorities Strengthen the Home Loan portfolio Grow AUM sustainably through stronger propositions, retention and broker execution. and strategy. 01 Unlock the power of AI to deliver intelligent lending Use AI, data and automation to improve decisioning, productivity and customer experience. Our s
Slide 10: Financial results
SECTION Financial results. | 10
Slide 11: Financial performance overview
Financial performance overview. FY26 delivered stronger earnings, improved returns and positive operating leverage. Revenue growth from higher AUM more than offset strategic investment in people and technology, while credit performance remained resilient and capital efficiency improved materially. F
Slide 12: Operating profit bridge
Operating profit bridge. Operating profit growth driven by AUM, revenue growth and operating leverage. Group operating profit (Normalised, $m)1 FY25 to FY26 Key operating profit drivers 3.0 Average AUM growth was a key contributor to operating 9.4 profit improvement. 3.1 4.9 92.9 FY26 NIM 5 bps
Slide 13: NIM and portfolio mix
NIM and portfolio mix. NIM outcomes reflect mix, market competition, and active pricing discipline. Group NIM (bps)1,2 154 43 12 159 Group 159bps 3 +5bps JUN-26 EXIT NIM (50) | Westpac Auto and Asset Finance mix shift 153bps FY25 Customer rate BBSW / BKBM Funding FY26 Home Loan 131bps 3 Flat | Portf
Slide 14: Credit performance and provisioning
Credit performance and provisioning. Provisioning remains prudent and responsive to portfolio risk. 90+ days arrears Prime Home Loan comparison5,6 Total loan impairment expense reduced to $21.4m Home Loan dynamic LVR was 62.2%, supporting in FY26, compared with $22.6m in FY25 driven by portfolio
Slide 15: Strong shareholder returns
Strong FY26 fully franked ordinary dividend FY26 fully franked special dividend Franking credits remaining shareholder 10.0c 9.0c $103.3m returns. vs. FY25 7.0c Returned surplus capital to shareholders Supported by disciplined capital management. Ordinary dividend per share1 10.0c Capital management
Slide 16: FY27 outlook
FY27 Home Loans Continue sustainable AUM growth through proposition refinement, retention, and broker execution. outlook. 01 Asset Finance Maintain disciplined origination, focused on higher risk-adjusted returns. Focus is clear: 02 Resimac enters FY27 with Productivity stronger earnings momentu
Slide 17: Questions and answers
SECTION Questions and answers. | 17
Slide 18: Thank you
Thank you. Resimac Group Ltd ABN 55 095 034 003 | ASX:RMC Australian Credit Licence 247829
Slide 19: Appendices
SECTION = Appendices. ae)
Slide 20: Consolidated statement of profit or loss
Consolidated FY26 FY25 Interest income 1,050.7 1,058.0 statement Interest expense (858.0) (887.5) Net interest income 192.7 170.5 of profit or Fee and commission income Fee and commission expense 21.4 (16.9) 15.4 (16.5) loss ($m) Fair value gains/(losses) on derivatives Fair value gain on unlisted e
Slide 21: Consolidated statement of financial position
FY26 FY25 Consolidated Cash and bank balances Trade and other receivables 722.5 4.2 775.7 4.9 statement Current tax receivable Loans and advances to customers 15.4 16,582.9 - 15,975.3 of financial Other assets Other financial assets 9.8 4.8 24.0 4.8 position ($m) Derivative financial assets Right-of
Slide 22: Consolidated statement of cash flows
FY26 FY25 Consolidated Interest received Interest paid 1,087.8 (848.0) 1,098.0 (886.8) statement Receipts from loan fees and other income Payments to suppliers and employees 23.8 (193.1) 25.2 (181.8) of cash Payments of net loans to borrowers Income tax paid (601.0) (38.7) (472.0) (13.7) flows ($m)
Slide 23: Financial performance overview: half on half
Financial performance overview. Half on half. FINANCIAL PERFORMANCE 1 1H26 2H26 FY26 1H25 2H25 FY25 Normalised operating income ($m) 103.5 94.3 197.8 76.6 92.6 169.2 Normalised operating expense ($m) (51.8) (53.1) (104.9) (40.7) (49.9) (90.6) Normalised operating profit ($m) 51.7 41.2 92.9 35.9 42.7
Slide 24: Portfolio NIM: half on half
Portfolio NIM. Half on half. Group NIM: Group NIM (bps)1,2 15 160 47 3 163 12 155 Compressed 8bps on 1H26 driven by a shift (35) JUN-26 EXIT NIM in portfolio mix towards Home Loans as the (47) Westpac Auto Portfolio runs off. 153bps 2H25 Customer BBSW / Funding 1H26 Customer BBSW / Funding 2H26 Ho
Slide 25: Environmental, social and governance
Environmental, social and governance . | 25
Slide 26: Environmental, social and governance
Environmental, social and governance. As an ASX‑listed entity funding Australian communities, Resimac integrates Environmental, Social and Governance (ESG) considerations across all aspects of our business. We recognise that responsible business practices have far‑reaching impacts, and our ESG appro
Slide 27: Key ESG pillars
Key ESG pillars. Resimac's overarching Environmental, Social and Governance purpose comprises the following key pillars: | Accountability | Community | Sustainability We are committed to ethical and sustainable We actively support our communities through We integrate sustainability considerations ac
Slide 28: Environmental. Social. Governance.
Environmental. Social. Governance. We are committed to conducting our Our people are our greatest investment. Resimac’s governance structure business in an environmentally responsible We prioritise engagement, health, safety incorporates a compliance and risk manner and to reducing our environmental
Slide 29: Charitable partnerships aligned with our ESG goals
Charitable partnerships aligned with our ESG goals. | Good health and wellbeing | Quality education | Climate action Sanctuary Housing: Resimac provides financial GO Foundation: Resimac supports the Go Community forestry initiatives: Resimac has and volunteer support to assist women and Foundation i
Slide 30: Important notice and disclaimer
DISCLAIMER Important The information in this presentation provides an overview This presentation has not been subject to auditor review of the results for the period ended 30 June 2026. It is and all dollar values are in Australian dollars ($AUD), general background information about the activities