Slide 1: Company Update Q3FY26
COMPANY UPDATE Q3FY26 APRIL 2026 1
Slide 2: $1 Billion loan book milestone achieved in Q3FY26
FY24 FY25 FY26 Moderated growth settings Return to growth Scale and profitability $1 Billion loan book milestone achieved in Q3FY26 Reflecting strong year-to-date loan origination performance, Wisr is upgrading its FY26 guidance to 50%+ loan origination growth (from 40%+) Quarterly loan originations
Slide 3: Q3FY26 key results
Q3FY26 key results LENDING FINANCIAL CAPITAL CUSTOMER $1,003M 10.99% $27.4M Unrestricted cash of New AI tools for simpler servicing, Wisr loan book Portfolio yield Revenue $14.8M settlements and collections (see next slide) as at Mar-26 ↑29% Mar-25 $777M ↓26 bps Q3FY25 11.25% ↑22% Q3FY25 $22
Slide 4: An automation-first fintech
An automation-first fintech Automation of Automation of Recent initiatives loan approvals loan verification steps ● Automated income verification: income ● 84% of loans automatically approved ● 44% of loan verification steps automated verified against payroll and superannuation by AI powered decisio
Slide 5: Structural tailwinds creating opportunity
Structural tailwinds creating opportunity Market opportunity / Major banks are exiting Asset-Backed Securities (ABS) TAM3 key lending markets issuance market is growing ● The major banksʼ market share of the personal and ● Funding for certain lending assets has shifted from secured vehicle lending m
Slide 6: Our customers
Our customers What does the average Wisr loan look like? Why are customers coming to us? Where are our customers located? Vehicles3 NT 65% 1% Personal loans Secured vehicle loans WA QLD 34% 63% 37% 15% of loan book of loan book NSW 22% SA ACT 5% 1% VIC TAS 19% 2% New loan size average1 Credit score
Slide 7: Milestone $1 Billion loan book achieved
Milestone $1 Billion loan book achieved ● Continued momentum in loan originations Loan book drove total loan book growth for the sixth consecutive quarter, reaching $1,003.4M at Mar-26 Mar-25 $777.2M 29% growth ● The personal loan book increased 25% to $633.1M Mar-25 $506.8M 8% growth ● The se
Slide 8: Record loan origination volume
Record loan origination volume ● The Company delivered a record quarter Loan originations in loan originations, which is the eighth consecutive quarter of strong loan 68% growth origination growth 13% growth ● Loan originations of $186.1M, a 68% increase on Q3FY25 $111.0M) and 13% increase on prior
Slide 9: Strong unit economics with improving credit quality
Strong unit economics with improving credit quality ● Quarterly portfolio yield of 10.99%, a modest decline from 11.25% in Q3FY25 and 11.08% in Q2FY26, driven by a continued shift toward higher credit quality and a greater proportion of secured vehicle loans ● Wisr increased front book pricing for n
Slide 10: NIM set at origination for the life of the loan
NIM set at origination for the life of the loan 1 Interest income fixed at origination Each loan is originated at a fixed interest rate, Illustrative example: How Wisr maintains stable margin through interest rate cycles Fixed rate income providing certainty over interest revenue for the full life o
Slide 11: Improvement in arrears and losses
Improvement Customer credit scores and 90+ day arrears in arrears and losses ● 90+ day arrears decreased 34 bps to 1.14% Mar-25 1.48%) and was stable compared to prior quarter Dec-25 1.13% ● Net losses decreased 55 bps to 1.44% Q3FY25 1.99%) and increased 29 bps on prior quarter Weighted aver
Slide 12: Robust funding program supports growth
Robust funding program supports growth ● The Companyʼs three warehouse facilities now have a Funding as at 31-Mar-26 total commitment of $767M Dec-25 $767M) with $47.5M undrawn capacity. ● In April 2026, a temporary $120M increase in warehouse limits was secured to provide additional flexibility a
Slide 13: Strongly capitalised
Cash held in warehouses and term deal trusts Strongly ● Undistributed customer loan repayments (principal and interest) ● Unutilised funds from note subscriptions (predominantly third-party debt) capitalised ● Use of funds restricted to funding loans and operating warehouses and term deals e.g. Trus
Slide 14: FY26 guidance
Cash NPAT profitability expected in H2 FY26 Upgraded in Nov-25 FY26 guidance1 Loan origination growth 50%+ FY25 $422M Upgrade from 40%+ Reflecting strong year-to-date loan origination performance, Wisr is upgrading its FY26 guidance to 50%+ loan origination growth (from 40% Revenue growth 15%
Slide 15: In summary
In summary Milestone $1B ✓ Loan book exceeded $1 Billion in Q3FY26, increasing 29% to $1,003.4M Mar-25 $777.2M loan book and ✓ Record quarterly loan originations, increasing 68% to $186.1M Q3FY25 $111.0M record originations ✓ FY26 loan origination growth guidance upgraded to 50% (from 40% R
Slide 16: Questions
QUESTIONS 16
Slide 17: Disclaimer
DISCLAIMER No investment advice or offer of shares Statements about past performance are This presentation does not constitute not necessarily indicative of future investment advice, or an inducement or performance. To the extent required by recommendation to acquire or dispose in law, neither Wisr