Resimac Group Limited · ASX:RMC
Resimac — Investor Presentation (February 2026)
31 slides from Resimac's investor presentation, Feb 25, 2026
Slide 1: 1H26 Results Presentation
RESIMAC GROUP 1H26 Results Presentation. Pete Lirantzis, CEO James Spurway, CFO Andrew Marsden, CTO
Slide 2: Today's presenters
Today’s presenters. Pete Lirantzis James Spurway Andrew Marsden | Chief Executive Officer | Chief Financial Officer | Chief Treasury Officer Appointed CEO in April 2025; leads group Joined Resimac in May 2024; responsible Joined Resimac in 2004; responsible for strategy, performance and execution. f
Slide 3: Who we are
Who we are. Values Vision Mission To shape the future of non-bank People first The home of lending through intelligent innovation, intelligent lending. efficiency, and genuine commitment Own the outcome Essential lending that drives success for our people, made intelligent. customers, and channels.
Slide 4: 1H26 highlights
1H26 highlights. Normalised Normalised Statutory operating profit1,2,3 NPAT1,2 NPAT $51.7m $29.6m $28.5m vs. 1H25 $35.9m vs. 1H25 $15.0m vs. 1H25 $13.5m Strong momentum in core growth drivers continued, underpinning Cost to income ratio1,2 Impairment Collective a solid performance. (Normalised) expe
Slide 5: Loan settlements
Loan settlements. Home Loan Asset Finance Continued growth in settlements despite a competitive Organic growth continues to drive AUM growth with a focus on landscape. higher risk adjusted return products. 1H26 settlements $2.7b 1H26 applications $4.3b 1H26 settlements $0.4b 1H26 applications $0.6b
Slide 6: Assets under management
Assets under management. Home Loan Asset Finance Portfolio continues to build momentum in a competitive Origination activity focused on higher risk adjusted return landscape. products with run-off from the Westpac Auto Portfolio impacting overall AUM growth. 1H26 1H26 1H26 vs. 1H25 1H26 1H26 1H26 vs
Slide 7: Portfolio snapshot | Home Loan
Portfolio snapshot | Home Loan. Volume Portfolio composition Weighted average Dynamic LVR bands1,2 portfolio dynamic LVR1,2 Settlements ($b) Loan type % of total portfolio accounts 2.7 2.4 2.5 2.3 Owner occupied 55% Dynamic LVR (AU) 61% 61.9% 0-60% 60% 1.4 1.5 1.2 1.4 63% Investment 45% 1.1 1.0 1.1
Slide 8: Portfolio snapshot | Asset Finance
Portfolio snapshot | Asset Finance. Volume Composition Credit quality Settlements ($b) Settlements mix at Dec-25 close Loan loss provisions1 ($m) Auto finance 45% 28.7 24.2 0.46 16.4 5.3 0.44 1.0 0.5 0.41 Equipment finance 18% 0.39 1H25 2H25 1H26 Secured business loan 37% ● Collective ● Specific 2H2
Slide 9: Financial results overview
Financial results overview. | 9
Slide 10: 1H26 financial snapshot
1H26 financial snapshot. Continued growth in Home Loans Decrease in impairment expense Operating profit growth driven by higher NPAT improved HoH reflecting reflecting the Group’s strategic focus on reflecting the Group’s focus on arrears loan balances, higher margins and higher improvement in opera
Slide 11: Financial results summary
Financial results summary. 1H26 2H25 1H25 1H26 vs. 2H25 1H26 vs. 1H25 Operating profit $51.7m Financial performance1 44% improvement on PCP and strong momentum, with a 21% increase on 2H25. Normalised operating income ($m) 103.5 92.6 76.6 10.9 26.9 Normalised operating expenses ($m) (51.8) (49.9) (4
Slide 12: Portfolio margin
Portfolio margin. G roup margin: widened 15bps on 1H25 primarily due to shift in portfolio Home Loan net interest margin1 (bps) mix as the higher margin Asset Finance portfolio increased in proportion 13 9 134 133 following the acquisition of the Westpac Auto portfolio. 128 28 (6) 48 (4) Dec-25 exit
Slide 13: Credit performance
Credit performance. 1H26 1H25 1H26 vs. 1H25 90+ days arrears Prime Home Loan peer comparison2,3 Home loan1 ($m) Collective provisioning 3.4 (1.3) 4.7 Specific provisioning (1.4) (0.2) (1.2) 1.07% 0.81% 0.85% 0.63% 0.58% Net write-offs (0.1) 0.2 (0.3) 0.36% Total impairment expense 1.9 (1.3) 3.2 Resi
Slide 14: Prudent loan provisioning
Prudent loan provisioning. Home Loan 1H26 collective provisioning1 Asset Finance 1H26 collective provisioning3 C ollective provisions decreased by $3.6 million versus 2H25, reflecting improved portfolio performance, and strong curing $28.6m C ollective provision decreased by $4.5m vs. 2H25 primarily
Slide 15: Funding
Funding. Australia RMBS and ABS issuance term profile ($b) The Group has extensive experience issuing securities in 5.5 5.5 global and domestic term securitisation markets. During 4.2 4.3 2.0 2.5 1H26 the Group issued $2.0b in RMBS securities and 0.4 3.3 $0.5b in ABS securities. 0.8 2.0 2.4 2.5 2.3
Slide 16: Capital management
Capital management. 1H26 fully franked 1H26 fully franked Normalised Stable dividends and unlocking shareholder value ordinary dividend special dividend return on equity 1H26 reflects continued execution of the Group’s capital recycling model including: 4.0c 9.0c 15.5% 3.5c vs. 1H25 nil vs. 1H25 7.2
Slide 17: Priorities and strategy
Priorities and strategy. | 17
Slide 18: Priorities and strategy
Priorities Strengthen the Home Loan portfolio and strategy. Invest into strengthening our core home loan value propositions. D rive sustainable long-term AUM growth. Unlock the power of AI to deliver intelligent lending D eploy AI to deliver smarter decisions and improve broker experience. Our strat
Slide 19: Questions and answers
Questions and answers. | 19
Slide 20: Thank you
Thank you. Resimac Group Ltd ABN 55 095 034 003 | Australian Credit Licence 247829 ASX:RMC
Slide 21: Appendices
Appendices. | 21
Slide 22: Economic environment
Economic environment. Robust house price growth despite concerns around persistent inflation and consequent interest rate increase expectations. Housing credit1,2 ($b) Cash rate (%) +19% +18% YoY YoY 4.5% ● BBSW 1m ● Cash rate 65.3 68.4 +33% 62.9 55.6 YoY 58.1 4.0% 54.8 50.8 48.8 43.0 33.8 3.5% 30.8
Slide 23: Consolidated statement of profit or loss
1H26 1H25 Consolidated Interest income Interest expense 519.7 (420.2) 516.1 (437.3) statement Net interest income Fee and commission income 99.5 12.5 78.8 5.7 of profit or Fee and commission expense Fair value gains on derivatives (9.1) 0.2 (8.5) - loss ($m) Fair value losses on derivatives Fair val
Slide 24: Consolidated statement of financial position
31 Dec 25 30 Jun 25 31 Dec 25 30 Jun 25 ● Assets ● Liabilities ● Equity Consolidated Cash and bank balances Trade and other receivables 773.5 4.4 775.7 4.9 Cash at bank and on hand Cash collections account 43.1 730.4 9.9 765.8 statement Loans and advances to customers Other assets 15,794.2 17.5 15,9
Slide 25: Consolidated statement of cash flows
1H26 1H25 ● Operating activities ● Investing activities ● Financing activities Consolidated Interest received 538.0 535.3 Interest paid (420.5) (445.1) statement Receipts from loan fees and other income 13.8 11.9 Payments to suppliers and employees (93.2) (98.9) of cash Receipts/(payments) of net lo
Slide 26: Environmental, social and governance
Environmental, social and governance . | 26
Slide 27: Environmental, social and governance
Environmental, social and governance. As an ASX‑listed entity funding Australian communities, The ESG Committee aligns its focus with the Resimac integrates Environmental, Social and United Nations Sustainable Development Goals, Governance (ESG) considerations across all aspects concentrating on: of
Slide 28: Key ESG pillars
Key ESG pillars. Resimac’s overarching Environmental, Social and Governance purpose comprises the following key pillars: Sustainability Community Accountability We integrate We actively support our We are committed sustainability communities through a to ethical and considerations across combination
Slide 29: Environmental. Social. Governance.
Environmental. Social. Governance. We are committed to conducting Our people are our greatest Resimac’s governance structure our business in an environmentally investment. We prioritise incorporates a compliance responsible manner and to engagement, health, safety and and risk framework and a reduci
Slide 30: Charitable partnerships aligned with our ESG goals
Charitable partnerships aligned with our ESG goals. Good Health and Wellbeing Quality Education Climate Action Sanctuary Housing: GO Foundation: Community forestry Resimac provides Resimac supports initiatives: Resimac has financial and volunteer the Go Foundation previously supported support to ass
Slide 31: Important notice and disclaimer
Important notice and disclaimer. The information in this presentation provides an overview of the results for the period This presentation has not been subject to auditor review and all dollar values are in ended 31 December 2025. It is general background information about the activities Australian
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