Slide 1: FY26 Results – Financial Year Ended 30 June 2026
For personal use only FOR THE FINANCIAL YEAR ENDED 30 JUNE 2026 Angelo Demasi | Chief Executive Officer Tony Taylor | Interim Chief Financial Officer 25 August 2026 Authorised for release by the hummgroup Board of Directors humm Group Limited, ACN 122 574 583 Level 14, 255 Pitt Street, Sydney NSW 20
Slide 2: Disclaimer
FY26 RESULTS // 25 AUGUST 2026 DISCLAIMER This presentation has been prepared by humm Group Limited (ACN 122 574 583) (“hummgroup”). Statements contained in this presentation. To the maximum extent permitted by law, the For personal use only hummgroup Parties disclaim all liability and responsibilit
Slide 3: Agenda
FY26 RESULTS // 25 AUGUST 2026 For personal use only HIGHLIGHTS FINANCIALS // AGENDA SUMMARY APPENDICES 3
Slide 4: Highlights
For personal use only HIGHLIGHTS
Slide 5: The Year in Review
FY26 RESULTS // 25 AUGUST 2026 FY26 – THE YEAR IN REVIEW NBIO #1 NDA negotiation and Due Diligence NBIO #2 NDA negotiation and Due Diligence For personal use only Activist Shareholder Campaign Takeover Panels Proceedings & Voluntary Undertaking Board Renewal Middle East Conflict & Fuel Shock Impact
Slide 6: Group Performance
FY26 RESULTS // 25 AUGUST 2026 GROUP PERFORMANCE 8.5% For personal use only $44.2m 8.8c 51.9% 2.0% 2.00c Underlying Underlying Underlying Underlying Group Net Fully franked net profit earnings per return on cost to income Loss/ANR 5,6 dividend for 3 equity 4 7 (after tax) share 2 ratio remained low
Slide 7: Group Key Performance Metrics
FY26 RESULTS // 25 AUGUST 2026 GROUP KEY PERFORMANCE METRICS STATUTORY PROFIT (AFTER TAX) NET PROFIT (AFTER TAX) ADJUSTED FOR NON-CASH ITEMS For personal use only $44.2m Underlying net profit (after tax) adjusted $29.1m for non-cash items excl. irregular items Underlying statutory profit (after tax)
Slide 8: Group Key Performance Metrics – Credit Quality
FY26 RESULTS // 25 AUGUST 2026 GROUP KEY PERFORMANCE METRICS NET CREDIT LOSS TO ANR1 CREDIT QUALITY WELL MANAGED THROUGH DIFFICULT FY26 For personal use only 2.0% • Amid significant macroeconomic and geopolitical uncertainty, average AUM remained 1.8% 1.8% broadly stable and Net Credit Loss to ANR w
Slide 9: Balance Sheet and Capital Management
FY26 RESULTS // 25 AUGUST 2026 BALANCE SHEET AND CAPITAL MANAGEMENT VOLUMES1 AND ASSETS UNDER MANAGEMENT2 ($B) OPERATING CASH4 ($M) For personal use only $3.9b $3.9b $3.5b Strategic $24.5m Forum $5.1m Capital $5.5b $5.3b Finance settlement $5.0b Working / $2.2b $1.9b $25.4m Settlement $2.0b $0.5b Ca
Slide 10: Growth Efficiency and Resilience
FY26 RESULTS // 25 AUGUST 2026 GROWTH EFFICIENCY AND RESILIENCE Major transformation milestones well progressed and on track. For personal use only TRANSFORMING OUR PLATFORMS INFRASTRUCTURE MODERNISATION CARDS STATUS: IMPLEMENTATION PROGRESSING TOWARDS SOFTWARE AS A SERVICE CUSTOMER X STATUS: IMPLEM
Slide 11: International Strategy
FY26 RESULTS // 25 AUGUST 2026 INTERNATIONAL STRATEGY Targeted offshore investment continued to deliver in FY26, with balanced growth across our For personal use only international markets and disciplined alignment to the strongest opportunities. STRONG GROWTH TRAJECTORY MAINTAINED • humm’s internat
Slide 12: Financials
For personal use only FINANCIALS
Slide 13: hummgroup Financial Performance
FY26 RESULTS // 25 AUGUST 2026 HUMMGROUP FINANCIAL PERFORMANCE PERFORMANCE ACROSS KEY METRICS MVMT % MVMT For personal use only FY26 FY26 • Net profit (after tax) adjusted for non-cash items of $30.8m absorbed two clearly identified HUMMGROUP ($M) FY25 FY26 vs FY251 vs FY251 items: – Material irregu
Slide 14: hummgroup Underlying Performance
FY26 RESULTS // 25 AUGUST 2026 HUMMGROUP UNDERLYING PERFORMANCE FY26 % FY26 ($M) FY25 FY26 v FY251 v FY251 NON-CASH ITEMS IRREGULAR ITEMS UNDERLYING NPAT For personal use only STATUTORY PROFIT (AFTER TAX) (AFTER TAX) ADJUSTED FOR Statutory profit (after tax) 39.6 15.7 (23.9) (60.4%) (AFTER TAX) + AD
Slide 15: hummgroup Supplementary Information
FY26 RESULTS // 25 AUGUST 2026 HUMMGROUP SUPPLEMENTARY INFORMATION NON-CASH ITEMS (BEFORE TAX) FY26 % FY26 IRREGULAR & SPECIFIC ITEMS (BEFORE TAX) FY26 % FY26 ($M) FY25 FY26 v FY251 v FY251 ($M) FY25 FY26 v FY251 v FY251 For personal use only ECL provision movement (AASB 9) 5.1 (5.5) (10.6) (LRG) Le
Slide 16: Commercial
FY26 RESULTS // 25 AUGUST 2026 COMMERCIAL FY26 % FY26 ($M) FY25 FY26 vs FY25 vs FY25 RESILIENT PERFORMANCE AMID MACROECONOMIC HEADWINDS For personal use only Net interest income 96.5 93.3 (3.2) (3.3%) • Assets under management broadly stable at $3.3b, up 0.1% on pcp despite significant macroeconomic
Slide 17: Consumer
FY26 RESULTS // 25 AUGUST 2026 CONSUMER ($M) FY25 FY26 FY26 vs FY25 % FY26 vs FY25 STRONG PROFIT PERFORMANCE IN CARDS AND HUMM IRELAND For personal use only • PosPP, Cards AU and Cards NZ net profit (after tax) adjusted for non-cash items of $31.2m Net interest income 168.0 165.0 (3.0) (1.8%) up 25.
Slide 18: Corporate
FY26 RESULTS // 25 AUGUST 2026 CORPORATE FY26 % FY26 ($M) FY25 FY26 vs FY25 vs FY25 CORPORATE SEGMENT For personal use only Operating expenses (24.5) (46.5) (22.0) (89.8%) • In FY25, the Group revised its internal reporting structure, creating a new Corporate segment, comprising central back-office
Slide 19: Credit Risk Management
FY26 RESULTS // 25 AUGUST 2026 CREDIT RISK MANAGEMENT NET CREDIT LOSS TO ANR1 FY25 FY26 FY26 vs FY252 NET CREDIT LOSS For personal use only Commercial 1.1% 1.5% Up 30bps • Group net credit loss to ANR increased to 2.0% (up 20bps). PosPP 2.3% 2.7% Up 30bps • Commercial net credit loss to ANR increase
Slide 20: Differentiated Funding Platform
FY26 RESULTS // 25 AUGUST 2026 DIFFERENTIATED FUNDING PLATFORM CONTINUED STRENGTH IN FUNDING PLATFORM FUNDING FACILITIES DESIGNED TO DELIVER KEY BENEFITS TO THE GROUP For personal use only • Diversified funding platform supported by leading Australian and international wholesale and CAPITAL REQUIRED
Slide 21: Summary
For personal use only SUMMARY
Slide 22: Outlook – FY27 and Beyond
FY26 RESULTS // 25 AUGUST 2026 OUTLOOK – FY27 AND BEYOND 01 02 03 04 For personal use only PLATFORM RETURN PRODUCTIVITY GROWTH AND SCALE TRANSFORMATION OPTIMISATION Execution of platform Intensified focus on optimising Group-wide focus on Capital-efficient AUM growth, transformation, as focus shifts
Slide 23: Appendices
For personal use only APPENDICES
Slide 24: To Be the Provider of Finance for Bigger Purchases
FY26 RESULTS // 25 AUGUST 2026 TO BE THE PROVIDER OF FINANCE FOR BIGGER PURCHASES For personal use only CONSUMER FINANCE ANZ leading provider Leading Point of Sale POSITIONING of specialist asset finance finance CORE EXPERTISE ASSETS UNDER $3.3b $1.9b MANAGEMENT >> Instant credit decisioning Constru
Slide 25: Expenditure – Capability Investment & Irregular Items
FY26 RESULTS // 25 AUGUST 2026 EXPENDITURE – CAPABILITY INVESTMENT & IRREGULAR ITEMS FY26 % FY26 OPERATING EXPENSES For personal use only OPERATING EXPENSES ($M)1 FY25 FY26 vs FY25 vs FY25 • Underlying CTI ratio was 51.9% in FY26, reflecting a largely stable cost base Marketing 10.7 10.3 0.4 3.7% su
Slide 26: Commercial – Strong Credit Quality & Asset Diversification
FY26 RESULTS // 25 AUGUST 2026 COMMERCIAL – STRONG CREDIT QUALITY & ASSET DIVERSIFICATION ASSET CATEGORY SECTOR CONCENTRATION GEOGRAPHICAL CONCENTRATION DIVERSE CUSTOMER BASE For personal use only NZ 5.4% Tertiary Top 200 7.4% 6.7% WA Secondary 12.0% NSW 10,000+ 12.4% 26.7% 22.4% 201-2,000 NT 25.6%
Slide 27: Thank You
For personal use only THANK YOU