Announcement PDF HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 1 1 FY26 Investor Presentation ASX HMY All values are in $AUD unless stated otherwise David Stevens CEO and Managing Director Simon Ward CFO HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Contents 2 1. FY26 Highlights 2. FY27 Profit guidance 3. About us 4. Financial results 5. Outlook Appendix HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 FY26 Highlights 3 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 FY26 Highlights vs FY25 (pcp) 4 10.2% Portfolio NIM Careful management of Net Interest Margin (NIM) on new lending has seen a sustained increase in portfolio NIM, up 90bps this year to 10.2%. $13.5m Cash NPAT $12m initial guidance, upgraded to $13m in February, delivered $13.5m. 139% growth driven by increasing scale and operating efficiency. $10.2m Statutory NPAT 86% growth, driven by underlying Cash NPAT result. Lending & book growth Australian loan book +14%. New Zealand loan book +11% (NZD). Group loan book growth +7% impacted by a weak year end NZD exchange rate. 33% Cash RoE Full year cash return on equity up from 16% to 33%. Stable credit losses Credit losses 3.9%, up slightly from 3.7%. 90+ day arrears remain low at 0.67%, down from 0.74%, less than half the Australian market average. 18% Cost to income Continuing improvement, down from 19%, as automation and increasing scale as the loan book grows, driving efficiency gains and improving profitability. Exceptional funding for growth Corporate debt refinanced with “Big-4” bank in December 2025. Existing warehouse facilities from 3 of the “Big-4” banks, total capacity >$1bn. Unrestricted cash $27m, after $7.5m repayment of corporate debt at December 2025 refinancing. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 FY26 upgraded guidance beat 5 Initial FY26 Guidance August 2025 Upgraded FY26 Guidance February 2026 FY26 Actual Cash NPAT $12m $13m $13.5m Group Loan Book $900m $900m $889m ($905m at avg. FY26 FX rate) Cash NPAT achieved $13.5m ● CashSyntax Warning (786274): Badly formatted number NPAT: $13.5m (Guidance upgraded from $12m to $13m at 1H26, now exceeded by additional $0.5m). ● Net interest margin: 10.2% (Guidance of ~10% exceeded). ● Risk adjusted income: 6.4% (Guidance of ~6% exceeded). ● Group loan book: $889m due to low year end NZD, $905m at average FY26 NZD rate, with strong local currency growth in both countries. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 FY27 Profit guidance 6 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 FY27 Guidance: Cash NPAT $16m+ 7 FY26 Actual FY27 Guidance Cash NPAT $13.5m $16m+ Cash NPAT 187% CAGR Share buy-back extended ● The Board and management continue to see significant value in Harmoney’s equity at current levels. ● On-market buy-back of shares can recommence following the release of these results, in line with extension announced on 22 April 2026. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 About us 8 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 What sets Harmoney apart 9 Loans up to $100,000, average $18,000 Personalised pricing 5.76% - 24.99% One establishment fee, no other fees Up to 7 year loan terms Secured and unsecured options Disbursals within minutes Fair,simple, personal loan ● Scalable, automated online personal lending across AU & NZ. ● Market opportunity >$150bn, current market share <1%. ● Our algorithms partner with Google’s to attract prime customers at low cost and our great customer experience sees them returning at near zero cost. ● Deep first party data and AI models deliver prime loan book at >6% Risk Adjusted Income1 ● Funded by 3 of the “big 4” Australian banks. ● Stellare® automation drives a low cost to income, 18% in FY26. ● Cash return on equity of 33% in FY26. Data driven, automated lending Typical uses: Debt consolidation, home renovations, cars, weddings and other life events, education and travel. 1. Risk adjusted income (RAI) is income after funding costs and actual credit losses. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 10 10 We’ve built a self-reinforcing growth engine where each customer generates 150% in subsequent lending at near-zero marginal acquisition cost. 150% Subsequent Lending Existing customers borrow an additional $27k after initial $18k loan. Our customer flywheel: Acquire once,earn 2.5X ~0% Repeat Customer CAC vs. ~5.6% for new customer acquisition. 15 Months Average time between first and second loan. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 11 11 Four stages that create compounding economics with each customer How the Flywheel works First Loan ● $18,000 loan ● ~5.6% CAC = $1,000 Result: Unit economics that compound Subsequent loan(s) ● $27,000 loan (1.5x) ● 0% CAC = $0 Customer Acquisition ● ~5.6% CAC via Google/AEO/Partners ● Prime customer profile Deliver experience ● Minutes to apply ● Instant decision ● Money in minutes Customer returns ● $0 CACSyntax Warning (1518837): Badly formatted number on repeat ● 1.5x additional lending ● Higher Customer LTV Data Intelligence ● Quality 1st party data ● Seasoned AI credit models 4 2 3 1 Stellare KPIs achieved ● RAI 6.4% ● Cash RoE 33% $ HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Financial results 12 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Improvements across all key metrics 13 FY26 FY25 Change Loan book $889m $829m 7% Revenue $145m $132m 10% Net interest margin 10.2% 9.3% 90bps improvement Risk adjusted margin 6.4% 5.7% 70bps improvement Acquisition to originations ratio 3.1% 3.4% 30bps improvement Cost to income ratio 17.8% 18.9% 110bps improvement Statutory NPAT $10.2m $5.5m 86% Cash NPAT $13.5m $5.7m 139% Return on Equity Statutory) 25% 16% 56% improvement Return on Equity Cash 33% 16% 106% improvement HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Strong loan book and revenue growth in both markets Loan book growth of 7% ● Group loan book growth +7% impacted by low NZD. ● AU loan book growth +14%. Now 62% of Group. ● NZ loan book (local currency) growth +11% and originations +45%, following Stellare 2.0 release in 4Q25. ● Revenue grew by +10% to $145m, up $13m, driven by loan book growth. Average portfolio interest rate maintained at 16.9%. ● NZD revenue naturally hedged by NZD cost base. Revenue growth of 10% 14 10% Growth HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Enviable net interest margin and risk adjusted margin continue to improve Loan book and margin growth ● Interest rate on loan book steady at 16.9%. ● Funding rate reduced 100bps to 6.8%. ● Net Interest Margin (NIM) increased 90 bps to 10.2%. ● Credit losses up slightly to 3.9% (pcp: 3.7%), but stable within target 3%-4% range. ● Risk adjusted income (after credit losses) up 70bps to 6.4%. 15 NIM & Risk adjusted income Margin drivers HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Stable credit performance Credit losses remain stable ● Deep consumer-direct data and AI credit models delivering prime loan book with 70% employed in professional, office or trades roles and 88% aged 30+. ● Credit losses up 20bps to 3.9%. Expected to remain within 3%-4% target range. ● Continuing low group 90+ day arrears at 0.67%, down from 0.74% pcp, and remaining at well less than half the Australian market average. 16 Low 90+ day arrears *Source: Equifax Australian Quarterly Consumer Credit Insights 2026 Q2, Personal Loan series. Annualised loss rate HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Growth and scalability drive profit ● Loan book up +7%, revenue up +10%, cash operation costs up +3%. ● Stellare® platform automation continues to improve our operating leverage, with our industry leading cost to income ratio falling another 110bps to 17.8%. ● Delivering: ○ Cash NPAT $13.5m (+139%) ○ Cash Return on Equity (RoE) of 33% up from 16% (>100% improvement). Cost to income ratio 18% 17 Loan book $ Cost to income % Stellare ® automationSyntax Warning (1911129): Badly formatted number continues increasing profitability HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Harmoney is well capitalised for significant growth 18 Reinvested profits fund loan book growth beyond $1.9b ● Growing profits fund future loan book growth, (i.e. $1m profit funds $30m loan book growth). ● FY26 profits funded loan book growth and improved funding advance rates enabled repayment of $7.5m of corporate debt, while growing cash reserves. ● Capital efficient with non-recourse warehouse funding 97% of loan book, provided by 3 of Australia’s “big-4” banks. ● Low corporate debt to equity gearing of 31%, covered 2.8 times by operating cash flow. Current cash supports $1.9b loan book Unrestricted Cash $27m Warehouse Equity $28m Funds current $889m loan book Supports 113% growth to $1.9b loan book Accessible Cash 1 $12m 1. Accessible cash is loans funded by Harmoney which are available to be drawn down from funders as Unrestricted Cash. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Outlook 19 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Deliver Experience What we’re building ● Multi-product customers (personal+auto) ● Life event triggered lending Expected impact ✓ Increased average lifetime lending ✓ Expansion of total addressable market (TAM) Vehicle loan book up 20% on pcp PROGRESS FY27 Accelerating the Flywheel 1 Customer Acquisition What we’re building ● Next generation AI underwriting with Stellare® 2.0 ● Embedded finance partnerships e.g. auto marketplaces Expected impact ✓ Increased approval rate; maintained credit quality ✓ Expanded reach through partners 2 Originations up 21% on pcp PROGRESS Customer Returns What we’re building ● Mobile app with streamlined loan access Expected impact ✓ Reduce time between loans ✓ Reduced blended CAC Continued CAC reduction PROGRESS Data Intelligence What we’re building ● Next Agentic AI for personalisation at scale ● Predictive retention models Expected impact ✓ Improved customer retention and satisfaction ✓ A ‘private banker’ automated application experience Proprietary customer data creates defensible AI advantage PROGRESS 3 4 20 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Intermediary channel: NZ & Australia now live New Zealand First partner live, second partner onboarding ● Technology designed with first New Zealand partner, live in 4Q26. Second partner onboarding. ● Same technology applied to Australia for rapid deployment. Australia First partner live ● First partner onboarded two weeks ago. ● Already funded over $1m in secured car loans. ● 10 intermediaries in the pipeline for FY27.  $20b AU car lending market per annum 1 $100m+ pipeline opportunity by FY28 Est. annual funded volume, 10+ intermediaries  Right to win Cash buyer advantage + automated decisioning Driving market share gains in AU and NZ 21 1. Source: ABS Lending indicators, Jun qtr 2026, Table 27 — new household loan commitments forSyntax Warning (2262142): Badly formatted number purchase of road vehicles, excludes refinancing. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Accelerated profit growth More customers Combined effect: Flywheel acceleration Higher lifetime value Faster velocity + + FY27 Cash NPAT Guidance $16m+ = Stellare 22 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Appendix 23 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 $889m Loan Book 24 Region Loan purpose Employment status HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Market Cap vs Business value 25 + Business value ● Proprietary, highly automated Stellare® customer acquisition and credit assessment engine. Over 10,000 new applicants create an account every month. ● Existing customer base return for 150% in additional lending, at near zero cost. ● Loan book growing at 10% NIM and >6% risk adjusted income (income after funding costs and credit losses). ● Proven scalability with 18% cost to income and falling. ● Diversified funding from 3 of the “big-4” Australian banks. Existing loan book value at 30 June 2026 $81m Market Capitalisation 30 Jun 2026 $83m+ Risk adjusted income embedded in existing loan book* $52m Net cash & Warehouse Equity $135m+ income and assets embedded * Applies typical repayment experience. Risk adjusted income calculated on contracted repayment schedule is significantly higher. NPV using a discount rate of 12%. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 26 28% Management/Board owned,plus 10% shareholder aligned long term incentive plan HMY Shareholder Composition Long term incentive share plan ● LTI targets approved at December 2025 AGM. ● Targets are based on shareholder-aligned Earnings per Share (EPS) growth and Total Shareholder Return (TSR) over 3 years. ● EPS full vesting requires 25% CAGR EPS growth from FY26 base of 12.98 cents EPS. ● TSR full vesting requires HMY to be in the top 25% of the ASX Small Ordinaries Index. Board & management Institutional & retail investors HMY Shareholders HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Experienced & shareholder aligned leadership team 27 Deep FinTech experience, large shareholdings (Board & Management 28%) and long term incentive share plan. Long term commitment with average tenure 7+ years across the leadership team. David Stevens Chief Executive Officer 25+ years of experience in financial services. A highly experienced public company CEO specialising in consumer and commercial finance in Australia and NZ. Previously CEO of ASX listed Humm Group (FlexiGroup). Simon Ward Chief Financial Officer 15+ years of CFO experience and 20+ year’s experience in financial services across Australia, NZ and Europe. Brad Hagstrom Chief Operating Officer 25+ years of financial services experience across Australia and NZ. Previously Operations Manager of ASX listed Humm Group (Flexigroup). Glen MacKellaig Chief Marketing Officer 15+ years of experience in financial services marketing in Australia, NZ, UK and Canada. Anna Cupples Chief Digital Officer 20+ years of experience in delivering large-scale solutions, building high-performing teams, driving agile architecture, and strategy across complex enterprise environments in NZ. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 28 Join our Investor Hub: harmoney.com.au/invest ● Investor Hub is the best way to stay informed and connected with all things ASX: HMY. ● Comment and ask questions directly to Harmoney’s leadership team and see other investors questions and responses. ● See videos accompanying our ASX announcements, interviews, research reports, and webinars. ● Join our mailing list to receive the latest news and updates from Harmoney by email. HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 29 Profit and Loss 1 Cash NPAT provides a more accurate representation of the underlying profitability of the business, adjusting for the impact of non-cash items, most significantly the movement in expected credit loss provision, which is a non-cash provision for credit losses that may occur in future financial years from the existing loan book. With GAAP requiring recognition of an expected credit loss provision expense immediately on origination of a new loan, without any indication of loan impairment and significantly ahead of recognition of the interest income priced to compensate for the expected level of credit loss risk, the expected credit loss provision expense will suppress statutory net profit during periods of loan book growth, all other things being equal. Year ended Year ended 30 June 2026 30 June 2025 Change Change % $'000 $'000 $'000 Interest income 144,971 131,828 13,143 10% Other income - 419 (419) (100%) Total income 144,971 132,247 12,724 10% Interest expense 57,376 58,997 1,621 3% Incurred credit losses 33,062 28,843 (4,219) (15%) Risk adjusted income 54,533 44,407 10,126 23% Acquisition transaction expenses 14,822 13,678 (1,144) (8%) Net operating income 39,711 30,729 8,982 29% Personnel expenses 11,379 11,610 231 2% Customer servicing expenses 6,451 5,967 (484) (8%) Technology expenses 4,495 4,936 441 9% General and administrative expenses 3,546 2,539 (1,007) (40%) Cash operating expenses 25,871 25,052 (819) (3%) Cash tax expense 292 - (292) - Cash NPAT ¹ 13,548 5,677 7,871 139% Non-cash adjustments Movement in expected credit loss provision (4,460) (16) (4,444) <-500% Share-based payment expenses (2,167) (724) (1,443) (199%) Depreciation and amortisation expenses (1,982) (1,629) (353) (22%) Movement in deferred tax assets 5,301 2,210 3,091 140% Statutory profit / (loss) after income tax 10,240 5,518 4,722 86% HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 30 Key operating and financial metrics Year ended Year ended 30 June 2026 30 June 2025 Change % Loan book value and growth Total originations ($'000) 482,454 398,845 21% New customer originations ($'000) 266,145 245,610 8% Existing customer originations ($'000) 216,309 153,235 41% Loan book (period end) ($'000) 888,861 828,693 7% Loan book (average) ($'000) 857,381 784,630 9% Average interest rate (%) 16.9% 16.9% - Average funding rate (%) 6.8% 7.8% 100bps Net interest income (%) 10.2% 9.3% 90bps Risk adjusted income (%) 6.4% 5.7% 70bps Loan book quality Incurred credit loss ($'000) 33,062 28,843 (15%) Incurred credit loss to average gross loans (%) 3.9% 3.7% (20bps) Provision rate (%) 4.4% 4.4% - Productivity metrics Customer acquisition to origination ratio 3.1% 3.4% 30bps Costs to income ratio 17.8% 18.9% 110bps Cash ROE (%) 33% 16% 1,700bps Statutory ROE (%) 25% 16% 900bps HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 31 Cash Flow Balance Sheet Year ended Year ended 30 June 2026 30 June 2025 30 June 2026 30 June 2025 $'000 $'000 $'000 $'000 Cash flows from operating activities Cash and cash equivalents 43,201 52,617 Interest received 138,983 131,179 Trade and other assets 2,307 3,594 Interest paid (56,600) (58,143) Finance receivables 894,499 832,187 Other income - 132 Expected credit loss provision (39,982) (36,812) Payments to suppliers and employees (41,746) (38,130) Property and equipment 3,229 2,339 Net cash generated by operating activities 40,637 35,038 Intangible assets 10,366 8,323 Deferred tax assets 17,283 15,600 Cash flows from investing activities Derivative financial instruments 131 - Net advances to customers (130,485) (94,645) Total assets 931,034 877,848 Payments for software intangibles and equipment (4,464) (4,704) Net cash used in investing activities (134,949) (99,349) Payables and accruals 6,207 7,866 Receivables funding — non-recourse 859,782 802,000 Cash flows from financing activities Corporate debt facility — recourse 14,675 22,267 Proceeds from finance receivables borrowings 202,156 161,957 Lease liability 3,494 2,499 Repayments of finance receivables borrowings (106,714) (82,128) Derivative financial instruments - 8,733 Repayments of corporate debt (7,500) - Total liabilities 884,158 843,365 Purchase of treasury shares (648) (127) Principal element of lease payments (506) (562) Net assets 46,876 34,483 Net cash generated by financing activities 86,788 79,140 Share capital 126,852 127,473 Foreign currency translation reserve (5,269) 2 Cash and cash equivalents at the beginning of the period 52,617 37,744 Share based payment reserve 1,773 - Net increase / (decrease) in cash and cash equivalents (7,524) 14,829 Cash flow hedge reserve 55 (6,217) Effects of exchange rate changes on cash and cash equivalents (1,892) 44 Accumulated losses (76,535) (86,775) Cash and cash equivalents at the end of the period 43,201 52,617 Equity 46,876 34,483 HARMONEY ©2026 FY26 INVESTOR PRESENTATION 20 AUGUST 2026 Important notice and disclaimer 32 No representation or warranty, express or implied, is made as to the fairness, completeness, accuracy, adequacy or reliability of information, opinions or conclusions in this presentation, including the financial information. To the maximum extent permitted by law, none of Harmoney, or its related bodies corporate, or their respective directors, officers, employees, contractors or agents, accept liability or responsibility for any loss or damage resulting from the use or reliance on this presentation or its contents or otherwise arising in connection with it by any person, including, without limitation, any liability from fault or negligence. The financial information in this presentation has not been audited. This presentation contains certain non-IFRS measures that Harmoney believes are relevant and appropriate to understanding its business. Investors should refer to the FY26 Annual Report for further details. All values are expressed in Australian dollars unless otherwise stated. All intellectual property rights in this presentation are owned by Harmoney. The material in this presentation is provided for general information purposes only and is current as at the date of this presentation. It is not a prospectus or product disclosure statement, financial product or investment advice or a recommendation or offer to acquire Harmoney shares or other securities. It is not intended to be relied upon as advice to investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should assess their own financial circumstances and seek professional legal, tax, business and/or financial advice before making any investment decision. The information in this presentation does not purport to be complete. It should be read in conjunction with Harmoney’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange, which are available at www.asx.com.au. This presentation may contain forward looking statements including statements regarding our intent, belief or current expectations with respect to Harmoney Group’s business and operations, market conditions, results of operations and financial condition, specific provisions and risk management practices. Such forward looking statements involve known and unknown risks, uncertainties, assumptions and other important factors, many of which are beyond the control of Harmoney Group and which may cause actual results, performance or achievements to differ materially from those expressed or implied by such statements. Readers are cautioned not to place undue reliance on these forward looking statements, which speak only as of the date thereof. Past performance is not indicative of future performance.