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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 11 1Q27 Investor Presentation ASX HMY All values are in $AUD unless stated otherwise David Stevens CEO and Managing Director Simon Ward CFO
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Contents 2 1. FY27 Profit guidance 2. Financial results 3. Intermediary channel update 4. Capital & funding
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 FY27 Guidance reaffirmed 3 3 Cash NPAT 187% CAGR FY27 Guidance: $16m+ Cash NPAT ● Stellare® 2.0 and new intermediary channel driving year end loan book to $1b+ ● Cash NPAT: $16m+ Share buy-back continuing ● Board and management continue to see significant value in Harmoney’s equity at current levels. On-market buy-back continuing in line with extension announced on 22 April 2026.
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Strong momentum continuing in 1Q27 4 1Q27 1Q26 Change Loan book $912m $833m +9% Australia $573m $502m +14% New Zealand NZ$418m NZ$378m +11% Net interest margin 10.3% 10.3% No change Credit losses 3.8% 3.8% No change Risk adjusted margin 6.5% 6.5% No change 90 Day arrears 0.64% 0.77% 13bps improvement Cost to income ratio 18% 19% 100bps improvement
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Intermediary channel: Australia now live - and growing fast!! Cumulative Australian originations since launch 2 partners live in Australia in Sept 26 More joining through 2Q27 PARTNERS INCLUDE “ “Cleared funds in 25 minutes from when the client first picked up the phone call.” Julian Fayad, Founder and CEO, LoanOptions.ai (LinkedIn) 5 $20b AU car lending market per annum 1 $100m+ pipeline opportunity by FY28 Est. annual funded volume, 10+ intermediaries 1. Source: ABS Lending indicators, Jun qtr 2026, Table 27 — new household loan commitments for purchase of road vehicles, excludes refinancing.
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 66 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% direct 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 CAC on direct 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 6.5% $
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 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 22% 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 Intermediary AU originated $7m in first 2 months 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 34 7
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Harmoney is well capitalised for significant growth 8 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. Unrestricted Cash $27m Warehouse Equity $28m Funds current 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. Cash supports $1.9b loan book As at 30 June 2026
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Appendix 9
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Market Cap vs Business value 10 + 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. ● Diversified funding from 3 of the “big-4” Australian banks. Existing loan book value at 30 June 2026 $67m Market Capitalisation 20 Oct 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%.
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 11 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
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 12 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.
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HARMONEY ©2026 1Q27 INVESTOR PRESENTATION 22 OCTOBER 2026 Important notice and disclaimer 13 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.