Slide 1: Results for the Year Ended 30 June 2025
@hunmgoup HUMM GROUP LIMITED RESULTS FOR THE YEAR ENDED 30 JUNE 2025 Angelo Demasi CEO | Adrian Fisk CFO 28 August 2025 Authorised for release by the hummgroup Board of Directors humm Group Limited, ABN 75 122 574 583 Level 1, 121 Harrington Street, The Rocks, Sydney NSW 2000
Slide 2: Disclaimer
FY25 RESULTS // 28 AUGUST 2025 DISCLAIMER This presentation has been prepared by hummgroup limited (ACN 122 574 583) (hummgroup). does not undertake to update any Forward Statements contained in this presentation. To the maximum extent permitted by law, the hummgroup Parties disclaim all liability a
Slide 3: Agenda
FY25 RESULTS // 28 AUGUST 2025 01 HIGHLIGHTS 02 FINANCIALS AGENDA 03 SUMMARY 04 APPENDICES 3
Slide 4: Highlights
FY25 RESULTS // 28 AUGUST 2025 01 HIGHLIGHTS 4
Slide 5: Group Performance
FY25 RESULTS // 28 AUGUST 2025 GROUP PERFORMANCE 01 02 03 04 05 06 $39.6m 10.2c 10.0% 51.7% Group Net 2.00c Statutory profit Cash earnings Return on Cost to income Loss/ANR fully franked (after tax) per share3 Cash Equity ratio, maintained dividend (ROCE)4 11.2% at historical for FY25, a $52.9m redu
Slide 6: Group Key Performance Metrics
FY25 RESULTS // 28 AUGUST 2025 GROUP KEY PERFORMANCE METRICS $80.0m $70.0m CASH PROFIT (AFTER TAX) UNDERLYING CASH FLOW2 $60.0m $50.0m $40.0m 2H25 $63.2m $24.2m Cash profit $30.0m (after tax) $41.9m $52.9m ($21.3m) $20.0m Cash profit $33.8m 1H25 (after tax) 1 $10.0m $26.6m $28.7m $0.0m FY23 FY24 FY2
Slide 7: Balance Sheet and Capital Management
FY25 RESULTS // 28 AUGUST 2025 BALANCE SHEET AND CAPITAL MANAGEMENT 16.0% 12.0¢ ASSETS UNDER MANAGEMENT1 14.0% INVESTOR RETURNS 10.2¢ 10.0¢ 12.0% 8.1¢ CAGR: +16.4% 7.5¢ $6.0b $5.0b $5.5b 10.0% 8.0¢ Return on cash 6.2¢ $5.0b $4.2b equity (ROCE) 8.0% 5.3¢ 6.0¢ $3.3b $2.2b $4.0b $2.0b 4.8¢ $2.7b $1.8b
Slide 8: Group Performance: Half-on-Half
FY25 RESULTS // 28 AUGUST 2025 GROUP PERFORMANCE: HALF-ON-HALF VOLUMES ($) AND ASSETS UNDER MANAGEMENT1 ($) NET INTEREST INCOME ($) AND NIM2 (%) $2.5b $6.5b $150.0m $2.0b $2.0b $145.0m $1.9b $1.9b $6.0b 5.6% 5.5% 5.5% $2.0b $140.0m 5.4% $5.5b $135.0m $1.5b $5.0b $130.0m 2H25 $125.0m $1.0b $4.5b $24.
Slide 9: Growth, Efficiency and Resilience from Technology and Transformation Initiatives
FY25 RESULTS // 28 AUGUST 2025 GROWTH, EFFICIENCY AND RESILIENCE FROM TECHNOLOGY AND TRANSFORMATION INITIATIVES TRANSFORMING OUR PLATFORMS INFRASTRUCTURE MODERNISATION LENDING STATUS: POST IMPLEMENTATION TOWARDS SOFTWARE CARDS STATUS: MOBILISATION AS A SERVICE CUSTOMER X STATUS: IMPLEMENTATION ` MOR
Slide 10: Global Strategy
FY25 RESULTS // 28 AUGUST 2025 GLOBAL STRATEGY Targeted offshore investment continues, delivering returns in FY25 with a balanced growth trajectory and opportunities across global markets GLOBAL GROWTH IN VOLUME, • humm global growth continues in FY25. $400.0m RECEIVABLES AND YIELD1 22.0% • Volume o
Slide 11: Financials
FY25 RESULTS // 28 AUGUST 2025 02 FINANCIALS 11
Slide 12: hummgroup Financial Performance
FY25 RESULTS // 28 AUGUST 2025 HUMMGROUP FINANCIAL PERFORMANCE MVMT PERFORMANCE ACROSS KEY METRICS FY25 vs HUMMGROUP ($M) FY23* FY24* 1H25* 2H25 FY25 FY24 • Effective 30 June 2025, the Group updated its Non-IFRS Cash Profit (after tax) measure to include depreciation of right-of-use assets under Int
Slide 13: Supplementary Information
FY25 RESULTS // 28 AUGUST 2025 SUPPLEMENTARY INFORMATION STATUTORY PROFIT TO CASH PROFIT (AFTER TAX) FY241 FY25 CASH FLOW FROM OPERATIONS FY24 FY25 Statutory profit after tax 7.1 39.6 Cashflow from operating activities 141.2 155.0 ECL provision movement 14.6 (5.1) Net credit loss (81.4) (88.2) Non-c
Slide 14: Commercial
FY25 RESULTS // 28 AUGUST 2025 COMMERCIAL FY25 SOLID PERFORMANCE AMID SME MARKET HEADWINDS ($M) FY24* FY25 vs FY24 • Assets under management up 12.0% on pcp, despite market conditions. Net interest income 93.8 96.5 2.9% • Cash profit (after tax) of $45.3m with higher dollar losses as the portfolio N
Slide 15: Consumer
FY25 RESULTS // 28 AUGUST 2025 CONSUMER FY25 CASH PROFIT PERFORMANCE AND CREDIT LOSSES ($M) FY24* FY25 vs FY24 • Cash profit (after tax) of $24.8m. Closing loans and advances up 6.0% on pcp. Net interest income 157.6 168.0 6.6% • Operating expenses down 5.9% on pcp, as final suspended product costs
Slide 16: Corporate
FY25 RESULTS // 28 AUGUST 2025 CORPORATE NEW CORPORATE SEGMENT FY25 • Effective 1 July 2024, the Group revised its internal reporting ($M) FY24* FY25 vs FY24 structure, resulting in identification of a new reporting segment, Operating expenses (28.1) (24.5) (12.8%) Corporate, which includes central
Slide 17: Credit Risk Management
FY25 RESULTS // 28 AUGUST 2025 CREDIT RISK MANAGEMENT FY25 NET CREDIT LOSS 1 NET LOSS TO ANR FY23 FY24 FY25 vs FY24 • Group net loss/ANR at historical low of 1.7%.2 Commercial 0.5% 0.7% 1.0% 2 30bps • Commercial net loss/ANR increased to 1.0%2 as the receivables PosPP 3.7% 3.1% 2.3% (80bps) book sea
Slide 18: Differentiated Funding Platform
FY25 RESULTS // 28 AUGUST 2025 DIFFERENTIATED FUNDING PLATFORM STRENGTH IN FUNDING PLATFORM RELATIVE TO FORWARD FLOW ARRANGEMENT DELIVERS NEW REVENUE COMPETITORS STREAMS WITH A CAPITAL LITE FOOTPRINT • Diversified funding base with mix of warehouse funding, mezzanine CAPITAL COST OF ABILITY MARKET f
Slide 19: Summary
FY25 RESULTS // 28 AUGUST 2025 03 SUMMARY 19
Slide 20: Outlook – Profitable Growth and Returns
FY25 RESULTS // 28 AUGUST 2025 OUTLOOK – PROFITABLE GROWTH AND RETURNS Strong and Stable credit Focus on cost Ongoing Consistent stable balance quality as management investment in performance sheet with receivables that delivers technology to across key warehouse and season, savings to fund enhance
Slide 21: Appendices
FY25 RESULTS // 28 AUGUST 2025 04 APPENDICES 21
Slide 22: To Be the Provider of Finance for Bigger Purchases
FY25 RESULTS // 28 AUGUST 2025 TO BE THE PROVIDER OF FINANCE FOR BIGGER PURCHASES CONSUMER FINANCE ANZ leading provider Leading Point of Sale POSITIONING of specialist asset finance finance CORE EXPERTISE ASSETS UNDER $3.3b1 $2.2b MANAGEMENT >> Instant credit decisioning Logistics // Engineering //
Slide 23: Delivering on Cost Efficiency
FY25 RESULTS // 28 AUGUST 2025 DELIVERING ON COST1 EFFICIENCY $181.2m $4.3m $0.8m $0.8 $2.5m $2.5 $181.2 $177.2m $177.2 $4.3 $170.9m $170.9 ($4.0) ($4.0m) ($6.9) ($6.9m) ($5.4) ($5.4m) ($0.1) ($0.1m) ($1.5) ($1.5m) $13.9m cost savings FY24 Onerous contracts Base Inflation expense LTIP expense Projec
Slide 24: flexicommercial: Strong Credit Quality & Asset Diversification
FY25 RESULTS // 28 AUGUST 2025 flexicommercial: STRONG CREDIT QUALITY & ASSET DIVERSIFICATION ASSET CATEGORY SECTOR CONCENTRATION GEOGRAPHICAL CONCENTRATION DIVERSE CUSTOMER BASE WEIGHTED AVERAGE CREDIT RISK RATING ` BROAD BASED EXPOSURE AND DIVERSIFICATION Credit worthiness rated from 10 (Lowest) t
Slide 25: Consumer Business Segment Update
FY25 RESULTS // 28 AUGUST 2025 CONSUMER BUSINESS SEGMENT UPDATE GROWTH IN RECEIVABLES ($M) AND YIELD1 (%) RECEIVABLES ($M) AND YIELD1 (%) 20.6% 20.6% $660m 20.1% 19.6% 19.9% $500m $640m 20.0% 18.6% 20.0% $450m $620m 18.0% $400m 18.0% $600m Cards $580m 16.0% Cards $350m 16.0% NZ $560m $638m AU $300m
Slide 26: Business Metrics
FY25 RESULTS // 28 AUGUST 2025 BUSINESS METRICS FLEXICOMMERCIAL (AU/NZ) FY24* FY25 VAR. NEW ZEALAND CARDS FY24* FY25 VAR. Volume (A$m) 1,534.4 1525.9 (8.5) Volume (A$m) 817.8 857.8 40.0 Assets under management (A$m)1 2,987.7 3,345.0 357.3 Closing loans and advances (A$m) 612.2 637.6 25.4 Product yie
Slide 27: Thank You
FY25 RESULTS // 28 AUGUST 2025 THANK YOU 27