Slide 1: FY26 Results Investor Presentation
FY26 Results Investor Presentation 19 AUGUST 2026 Scott Baldwin (Managing Director & CEO) Siva Subramani (CFO) WWW.SOLVAR.COM.AU 1
Slide 2: Agenda
Agenda Solvar Scott Baldwin Managing Director & Chief FY26 Results Summary Executive Officer Outlook Questions Solvar acknowledges the Traditional Custodians of the lands across Australia and their enduring connection to Country, Culture and Community. We pay our respects to First Nations peoples an
Slide 3: Specialist in Growth Markets, High Return Model, Commercial Lending Expansion
Specialist in Growth Markets High Return Model Commercial Lending Expansion • Targets under-served markets • Price for risk and return • Accelerate small business and sole trader lending growth • Meeting the essential financial • Protect portfolio quality needs of consumers and small • Broaden Group
Slide 4: FY26 Results
FY26 Results WWW.SOLVAR.COM.AU 4
Slide 5: FY26 Highlights
FY26 Highlights Financial Operations Capital Management • Achieved Profit Guidance • Commercial lending moving from start-up to • Surplus capital arising from New Zealand run- growth, closing FY26 loan book at $109.8 down supporting share buy backs and special • Improvement in earnings quality throu
Slide 6: FY26 Highlights (cont.)
FY26 Highlights (cont.) Record Record Record Loan Book Interest Income1 Cash Collections Originations Bad Debts2, net Continuing operations (AU) Continuing operations (AU) Continuing operations (AU) Continuing operations (AU) Group $ 920.3m $ 180.3m $ 478.8m $ 470.7m 3.6% New Zealand: $33.1m New Zea
Slide 7: FY26 Earnings Bridge
FY26 Earnings Bridge AUD m 39 Litigation 37 • Conclusion of ASIC v Money3 regulatory matter 2.3 36.1 including penalty of $1.55m 35 FX Losses 1.6 33 • Realised foreign exchange loss from the transfer of 2.7 funds from New Zealand to Australia 31 Early-Stage Losses - Commercial 29.5 29 • Year 1 imple
Slide 8: Financial Results
Financial Results Group FY26 FY25 Variance % • Group interest income declined due to the reduced loan AUDm unless stated otherwise book in New Zealand Interest income1 193.4 207.4 (6.7%) Interest expense 47.7 52.1 (8.3%) • Australian loan book growth will replace interest income Net Interest Income
Slide 9: Improving Portfolio quality
Improving Portfolio quality Strengthened leverage and credit quality Group - Bad debt Australia - Leverage Group – Loan book quality1 100% FY26 5.0% 58% 23% 15% 4% 0.4% 4.4% 74% 80% 73% 71% 71% FY25 53% 24% 18% 6% 0.4% 4.0% 60% 3.6% 60% FY24 54% 23% 17% 6% 0.1% 40% 3.0% FY23 56% 23% 16% 5% 0.0% 20%
Slide 10: Capital Allocation Framework
Capital Allocation Framework Remains disciplined and shareholder focused Funding Dividends Buybacks Group - Debt facilities AUD m 7.5 cents Cents special 30.0 dividend 1,200 1,090 30 150% Headroom 24.4 20.9 8.0% 25 22.6 900 19.5 20.0 409 14.3 681 20 100% 13.5 16.5 11.5 15.5 15.5 4.0% 600 15 13.0 14.
Slide 11: Outlook
Outlook WWW.SOLVAR.COM.AU 11
Slide 12: FY27 Outlook
FY27 Outlook Financial Operations Market • Double digit loan book growth surpassing $1.0 • Investments in credit decisioning, • Labour market remains supportive, with billion milestone, loan book is currently at automation and digital capability to support arrears to be monitored closely $966.4 mill
Slide 13: Thank you!
Thank you! CEO & Managing Director Chief Financial Officer Scott Baldwin Siva Subramani +61 3 7031 6019 +61 3 7031 6018 s.baldwin@solvar.com.au s.subramani@solvar.com.au WWW.SOLVAR.COM.AU 13
Slide 14: Corporate Information
Corporate Information ASX: Solvar Limited, SVR Capital Structure Closing share price $1.590 Market Capitalisation $295.8 million Shares on issue (17th August 2026) 186,651,516 Performance Rights (17th August 2026) 4,972,609 Board of Directors Stuart Robertson Chairman Craig Parker Non-Executive Dire
Slide 15: Product Overview
Product Overview Secured & unsecured consumer loans, Consumer and commercial secured Secured commercial asset finance, Product typically over 24-72 months lending, typically over 12 – 84 months typically over 48 - 84 months Loan Size Up to $100,000 Up to $150,000 Up to $1,000,000 Consumers seeking t
Slide 16: Portfolio of Assets Financed
Portfolio of Assets Financed 43,476 59 747 407 314 Cars Tractors Horse Floats Trailers Boats & Jet Skis 7,666 1,325 1,737 155 51 Utility Vehicles Caravans Motor Bikes Trucks Equipment WWW.SOLVAR.COM.AU 16
Slide 17: Growth Trends
Growth Trends AUD m Loan Originations - Group Cash Collections - Group AUD m 150 139 150 138 135 135 133 134 136 135 135 131 129 118 118 119 124 123 125 115 112 125 100 101 95 94 95 100 100 84 75 75 50 50 FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY26 FY26 FY24 FY24 FY24 FY24 FY25 FY25 FY25
Slide 18: Glossary of Terms
Glossary of Terms A$ or $ - Australian dollars EBITDA – Earnings Before Interest Tax NAF – Net Amount Financed: The amount of Depreciation and Amortisation credit advanced to a customer in respect to Active customer - A customer with an their loan outstanding balance FSCL – NZ Financial Services Com
Slide 19: Disclaimer
Disclaimer The content of this presentation has been prepared by Solvar Limited (the Company) for general information purposes only. Any information included in this presentation on future financial performance, including industry sectors, income, profit and employment types, represent estimates of