Harmoney Corp Limited (HMY) Q2 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello and welcome to Harmony's half year 24 results presentation. I'm David Stephens, the CEO and Managing Director of Harmony. With me today is Simon Ward, our Chief Financial Officer. Now turning to slide two. We bring to your attention important information relating to the disclosures in today's presentation. We'll leave this to review at your leisure. Now turning to slide three. Before starting today's presentation, I want to introduce our new investor hub, which is available at harmony.com.au slash invest. We've created this to provide shareholders and potential investors with a centralized place for all Harmony investment resources. You'll find updates, announcements, reports, videos, and more. Plus, shareholders can ask questions or share comments directly with the Harmony team. Please join our investor hub at harmony.com.au slash invest. Now turning to slide four. Today I'll begin with highlighting our results for the half year 2024. I'll then go into an overview of our business model. Many of these themes will be familiar to you if you followed our progress, but it's useful to keep these top of mind as we go over what this model is delivering today and will continue to do so into the future. I'll then hand over to Simon who will take you through our financial results. Finally, I'll discuss our strategy and outlook before responding to your questions. Now turning to slide five and then on to slide six. To highlight our key achievements of first half 24, this was our fourth consecutive half year of cash and PAT profitability. We also experienced loan book growth despite significantly higher interest rates. We successfully completed New Zealand's first ever unsecured personal loan backed ABS. We created a new $140 million warehouse with a big four bank and a ne...