Slide 1: Company Update Q4FY25
COMPANY UPDATE Q4FY25 JULY 2025 1
Slide 2: Accelerating Growth with Disciplined Execution
ACCELERATING GROWTH WITH DISCIPLINED EXECUTION Sustained loan Third consecutive Investment in Well capitalised for origination growth quarter of loan technology and future growth with across products book growth automation resulting execution of third in improvements to warehouse facility efficiency
Slide 3: Key Q4FY25 Results
KEY Q4FY25 RESULTS LENDING FINANCIAL CAPITAL CUSTOMER $140.3M 11.20% $23.9M Unrestricted cash of $53.0M New loan originations Portfolio yield Revenue $14.1M additional loan repayments3 made via one-time payment ↑154% Q4FY24 $55.2M feature ↑26% Q3FY25 $111.0M ↑30 bps Q4FY24 10.90% ↑6% Q4FY2
Slide 4: Wisr at a Glance
WISR AT A GLANCE Since 2018, Wisr has supported Australians in reaching their personal and financial goals 72K total number of customers supported 1 We are a sophisticated, purpose-built fintech lender with a proven track record of executing in the debt capital markets 3 3 1 warehouses active term
Slide 5: Automation to Scale
AUTOMATION TO SCALE Automation of loan approval Industry-leading arrears New cloud native and verification processes management platform driving loan ledger platform losses improvement ● 80% of loans ● Supports strong growth and CREDIT DECISIONS AUTOMATED automatically ● Wisrʼs arrears management pl
Slide 6: Well Diversified Customer Base
WELL DIVERSIFIED CUSTOMER BASE Where are our Our customersʼ Why are customers What does the average Wisr customers located? employment status coming to us? loan book customer look like? NT 1% QLD Full-time WA 74% 15% 35% Self-employed 4% Personal Secured loans vehicle loans Part-time 8% Vehicles1 NS
Slide 7: Structural Tailwinds
STRUCTURAL TAILWINDS ● The major banksʼ market share of the Personal and Secured Vehicle Share of total household lending with banks1 Lending market continues to decline ● Their focus is Mortgages and Business Lending, away from Personal Lending 74% market share in Dec-19 down to 61% in Dec-24 ● T
Slide 8: Sustained Loan Origination Growth
SUSTAINED LOAN ORIGINATION GROWTH ● The Company delivered its fifth Loan originations consecutive quarter of strong loan origination growth in Q4FY25 ● Loan originations increased to $140.3M in 154% growth the period, up 154% on Q4FY24 $55.2M and up 26% on Q3FY25 $111.0M 26% growth ● Wisr has a
Slide 9: Continued Loan Book Growth
CONTINUED LOAN BOOK GROWTH ● Continued strength in loan originations Loan book Three consecutive quarters of loan book growth drove total loan book growth for the third consecutive quarter, reaching $824M as at Jun-25 Jun-24 $770M ● The personal loan book increased 6% to $535M Jun-24 $506M ● T
Slide 10: Yield Stable with Credit Quality Improvement
YIELD STABLE WITH CREDIT QUALITY IMPROVEMENT ● Quarterly portfolio yield increased 30 bps to 11.20% compared to the prior corresponding period Q4FY24 10.90%, and remained broadly stable quarter-on-quarter, underpinned by disciplined pricing and notwithstanding a higher loan book average credit sc
Slide 11: Improvement in Arrears and Losses
IMPROVEMENT Customer credit scores and 90+ day arrears IN ARREARS AND LOSSES ● 90+ day arrears decreased 18 bps to 1.40% from Jun-24 1.58%) and 8 bps from Mar-25 1.48%, reflecting continued improvements in credit performance and the impact of the Companyʼs arrears management platform ● Net losses
Slide 12: Robust Funding Program Supports Growth
ROBUST FUNDING PROGRAM SUPPORTS GROWTH ● WH1 Personal Loan WH) has $400M of committed Funding at 30Jun-25 funding $47M undrawn), WH2 Secured Vehicle WH has $250M of committed funding $56M undrawn) ● Executed third warehouse (mixed Personal Loan and Secured Vehicle) with committed funding of $2
Slide 13: Strongly Capitalised
STRONGLY Cash held in warehouses and term deal trusts: CAPITALISED ● Undistributed customer loan repayments (principal and interest) ● Unutilised funds from note subscriptions (predominantly third-party debt) ● Use of funds restricted to funding loans and operating warehouses and Total cash on term
Slide 14: Executive Summary
EXECUTIVE Continued loan ✓ Loan originations increased by 154% to $140.3M Q4FY24 $55.2M SUMMARY origination growth ✓ Significant growth of 111% in personal loan originations to $88.9M and 296% in secured vehicle loan originations to $51.4M ✓ Third consecutive quarter of disciplined loan book grow
Slide 15: Questions
QUESTIONS FOR YOUR SMART PART 15
Slide 16: Disclaimer
DISCLAIMER No investment advice or offer of shares This presentation does not constitute investment advice, or an inducement or recommendation to acquire or dispose in Statements about past performance are not necessarily indicative of future performance. To the extent required by law, neither Wisr