Announcement PDF 6 June 2024 ASX ANNOUNCEMENT MST FINANCIAL - CONFERENCE PRESENTATION Please find the attached presentation to be given by David Stevens, CEO of Harmoney Corp Limited (ASX:HMY) (“Harmoney” or “the Company”), to investors and shareholders at the MST Financial ‘Forging the Future’ Financial Services webinar on Thursday 6 June 2024 at 11am AEST. To join the presentation, please click the webinar link here. This release was approved by the CEO of Harmoney Corp Limited. -ENDFor Corporate / Investor queries please contact us via: Harmoney Investor Hub David Stevens Investors are encouraged to lodge questions at the Harmoney Investor Hub. CEO & Managing Director https://investorhub.harmoney.com.au/ Please see sign up instructions below. investors@harmoney.co.nz Forging the Future Financial Services Webinar MST Financial 6 June 2024 David Stevens CEO All values in $AUD unless stated otherwise HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 23FEBRUARY FEBRUARY2024 2024 Important notice and disclaimer HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 2 Customer value proposition Delivering faster, fairer loans through our smart technology HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 Use of funds 3 Data + AI + Automation Every month, over 10,000 new customer applications help us improve our AI and automation ● ● HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 4 The Harmoney business model maximises customer lifetime value Right customer HARMONEY ©2024 Great experience 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 Massive scale 5 1H24 key achievements Cash NPAT Profitable Loan book growth $200m NZ ABS Warehouse capacity extended New platform launched Peer-to-peer closed Cost to income % Corporate debt upsized HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 6 Profitability continues through rising interest rate cycle 1H24 2H23 1H23 Loan book Revenue Net Interest Margin Credit losses 90+ day arrears Cost to income ratio Cash NPAT HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 7 Key points you should know about Harmoney Financial HARMONEY ©2024 Customer value 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 Risk management 8 Strategy and outlook HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 23FEBRUARY FEBRUARY2024 2024 Continue AU expansion, a large addressable market AU replicating in 9x market Huge potential for Harmoney in $145bn market1 ● ● ▬ AU Market 1 ▬ Harmoney & listed peers2 % ■ NZ ■ AU from IPO 1. Source RBA, ‘D2 Lending And Credit Aggregates - Credit; Other personal’, which covers all personal credit (non-business, nonhousing/mortgage), incl. e.g. personal loans, car loans and credit cards. 2. Listed personal lending peers comprise Wisr, MoneyMe & Plenti with loan balances sourced from their latest market trading updates. HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 10 Stellare® 2.0 Core banking + Automation = Market opportunity Core banking - Cloud native HARMONEY ©2024 100% Process automation 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 Market Opportunity 11 Outlook - Targeting 20% Cash RoE Interest rates & asset quality Growth outlook FY24/FY25 outlook ● ● ● ● HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 12 Outlook continued: 20% Cash RoE run rate in FY25 Pathways to 20% Cash RoE Average loan book required at RAI% ● ● ● ● HARMONEY ©2024 1H24 INVESTOR PRESENTATION 23 FEBRUARY 2024 13 ABOUT HARMONEY Harmoney is the only 100% consumer-direct personal lender operating across Australia and New Zealand. Harmoney provides customers with unsecured and secured personal loans that are fast, easy, competitively priced (using risk-adjusted interest rates) and accessed 100% online. Harmoney’s purpose is to help people achieve their goals through financial products that are fair, friendly, and simple to use. Harmoney’s proprietary digital lending platform, Stellare® is the power behind the platform. Stellare® can process, approve and fund most loan applications within 24 hours. Stellare® also replaces the traditional industry credit scorecard with a predictive behavioural analytics engine which uses machine learning to analyse our rich, direct consumer data to deliver automated credit decisioning and superior risk-based pricing. For further information visit https://www.harmoney.co.nz/ or https://www.harmoney.com.au/ BUSINESS FUNDAMENTALS • • • • • Harmoney provides risk based priced unsecured and secured personal loans of up to $70,000 to consumers across Australia and New Zealand. Its 100% consumer-direct model and automated loan approval system is underpinned by Harmoney’s scalable Stellare® proprietary technology platform. A large percentage of Harmoney’s originations come from existing customers with minimal customer acquisition cost. Harmoney is comprised of a team of ~75 full-time employees predominantly based in Auckland, New Zealand, approximately half of whom comprise engineering, data science and product professionals. Harmoney has a highly diversified funding panel with warehouses being provided by three of the “Big 4” banks across Australia and New Zealand. Harmoney issued its first asset backed securitisation in 2021, followed up with a $200m New Zealand asset backed securitisation in August 2023, both being publicly rated by Moody’s. INVESTOR HUB Harmoney’s Investor Hub is a dedicated platform for investors to learn more about the Company and engage directly with Harmoney’s leadership team. The Company will regularly post new content to the Investor Hub, including videos accompanying our ASX announcements, interviews, research reports, and webinars. 1. Visit https://investorhub.harmoney.com.au/auth/signup 2. Follow the prompts to sign up for an Investor Hub account. 3. Complete your account profile. If you are an existing shareholder, you may choose to link your shareholdings to your Investor Hub account (optional).