Slide 1: 3Q25 Investor Presentation
3Q25 Investor Presentation ASX HMY David Stevens CEO and Managing Director Simon Ward CFO All values are in $AUD unless stated otherwise HARMONEY ©2025 3Q25 INVESTOR PRESENTATION 29 APRIL 2025 1
Slide 2: Contents
Contents 1. FY25 Profit guidance 2. Financial results 3. Outlook & on-market share buy back HARMONEY ©2025 3Q25 INVESTOR PRESENTATION 29 APRIL 2025 2
Slide 3: FY25 Guidance (Upgraded) and FY26 Target
FY25 Guidance UPGRADED) and FY26 Target FY24 Actual FY25 Guidance FY26 Target $5.5m Cash NPAT $0.7m $10m+ (previously $5.0m) 20% run-rate in 4Q25 Cash ROE 2% 25%+ 14% achieved YTD 3Q25 FY25 Guidance: $5.5m Cash NPAT FY26 Target: Accelerated growth ● Stellare® 2.0 rollout completed across both ● Ste
Slide 4: Key KPIs - Growing loan book, margins and scalability
Key KPIʼs - Growing loan book, margins and scalability YTD YTD 3Q25 3Q24 Change Loan book $798m $757m 5% Net interest income YTD 3Q25 new lending >10% 9.1% 8.8% 30bps improvement Risk adjusted income 5.3% 4.7% 60bps improvement Credit losses 3.8% 4.1% 30bps improvement 90 Day arrears 0.69% 0.67% 2b
Slide 5: Harmoney is capitalised for significant growth without raising any equity
Harmoney is capitalised for significant growth without raising any equity Current cash supports $1.2b loan book Reinvested profits fund loan book growth beyond $1.2b ● Growing profits fund future loan book growth, Supports 50% (i.e. $1m profit funds $25m loan book growth). Available Cash growth to $1
Slide 6: On-market share buy-back
On-market share buy-back Capital management Buy-back process ● The Board and management see significant value in ● Under the Companies Act (New Zealand), Harmoney may Harmoney’s equity at current levels, and so today buy-back its ordinary shares on-market without shareholder announced that Harmoney w
Slide 7: Market Cap vs Business value
Market Cap vs Business value Existing loan book value + Business value ● Proprietary, highly automated Stellare® 2.0 customer $120m+ acquisition and credit assessment engine. Over 10,000 income and new applicants create an account every month. assets embedded $70m+ ● Existing customer base return fo
Slide 8: Join our Investor Hub: harmoney.com.au/invest
Join our Investor Hub: harmoney.com.au/invest ● Investor Hub is the best way to stay informed and connected with all things ASX: HMY. ● Comment and ask questions directly to Harmoney’s leadership team and see other investors questions and responses. ● See videos accompanying our ASX announcements, i
Slide 9: Important notice and disclaimer
Important notice and disclaimer The material in this presentation is provided for general information purposes No representation or warranty, express or implied, is made as to the fairness, only and is current as at the date of this presentation. It is not a prospectus or completeness, accuracy, ade