Announcement PDF HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 1 1Q26 Investor Presentation ASX HMY All values are in $AUD unless stated otherwise David Stevens CEO and Managing Director Simon Ward CFO HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 Contents 2 1. FY26 Profit guidance 2. Financial results 3. Secured auto loan launched 4. Capitalisation & funding HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 FY26 Guidance reaffirmed 3 FY25 Actual FY26 Guidance Change Cash NPAT $5.7m $12m +111% FY26 Guidance: $12m Cash NPAT ● Stellare® 2.0 driving year end loan book to $900m+ ● Net interest margin: 9%-10% ● Risk adjusted income: ~6% ● Cash NPAT: $12m 320% CAGR Cash NPAT HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 Key KPIʼs - Continued loan book and margin growth 4 1Q26 1Q25 Change Loan book $833m $769m +8% Australia $502 $426 +18% New Zealand NZ$378 NZ$373 +1% Net interest income 10.3% 8.9% 140bps improvement Credit losses 3.8% 3.7% 10bps increase 90 Day arrears 0.77% 0.53% 24bps increase Risk adjusted income 6.5% 5.2% 130bps improvement Cost to income ratio 19.1% 18.4% 70bps increase 82bps better than Australian market average 1.59% Within Harmoney’s target range 3%-4% Suppressed by weaker NZD, would be $852m using 30 June 25 FX rate HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 5 Disrupting Auto Finance: Car Product Launch ● Secured Auto Lending rolled out in late September 2025: Flagship Car Product launch delivers risk-adjusted growth. ● Cash Buyer Advantage: Customers receive funds directly into their bank account, empowering them to negotiate effectively with dealers and drive away on the day. ● Removes Dealer Conflict: Eliminates pressure on consumers to take costly and often confusing dealer finance. ● No Deposit: We finance 100% of the vehicles cost. ● 100% Digital: Seamless online application for fast funding. Key Product Highlights & Market Opportunity HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 Harmoney is capitalised for significant growth without raising any equity 6 Available Cash Warehouse Equity Funds current $833m loan book Reinvested profits fund loan book growth beyond $1.5b ● Growing profits fund future loan book growth, (i.e. $1m profit funds $25m loan book growth). ● Profits continue to fund loan book growth maintaining cash reserves. ● Capital efficient with borrowings 96% of loan book. ● Intention to reduce corporate debt by $7.5m in Dec 2025 and refinance facility on materially improved terms. ● Diversified funding from 3 of Australia’s “big-4” banks and an established ABS issuer. Supports 80% growth to $1.5b loan book Current cash supports $1.5b loan book HARMONEY ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 7 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 ©2025 1Q26 INVESTOR PRESENTATION 30 OCTOBER 2025 Important notice and disclaimer 8 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 FY25 Annual Report together with the 1Q26 trading update 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.