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FY26 Results Presentation. RESIMAC GROUP Stronger earnings. Disciplined growth. Clearer strategic focus. Pete Lirantzis Chief Executive Officer Andrew Marsden Chief Treasury Officer Tonderai Maenzanise Interim Head of Finance
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| 2 T oday’s presenters. The executives leading strategy, funding, and financial performance across the Group. Leads group strategy, performance and execution. Drove operational, product and strategic execution through structural change, including the integration of the Westpac Auto Portfolio. Former CEO of Thorn Group, Splitpay and Humm Group; senior roles at Westpac and IAG. Pete Lirantzis Chief Executive Officer APPOINTED APRIL 2025 Responsible for funding, liquidity and capital management. Deep expertise in securitisation and wholesale funding markets, developed across multiple cycles. Former senior executive within Citigroup’s Global Securitised Markets business; Responsible Manager under Resimac Limited’s AFSL. Andrew Marsden Chief Treasury Officer JOINED RESIMAC IN 2004 Leads financial reporting, capital management, investor communications and finance strategy. 25+ years leading ASX-listed and private companies through growth, transformation and strategic transactions. Former CFO of Machines4U, Spacetalk, Grays.com and RT Health Fund; senior roles at Humm Group. Tonderai Maenzanise Interim Head of Finance JOINED RESIMAC IN 2026
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Our mission. To shape the future of non-bank lending through intelligent innovation, efficiency, and genuine commitment that drives success for our people, customers, and channels. | EST. 1985 | 40+ YEARS WHAT WE LEND Home Loan Prime and non-conforming home loans Investment property lender Specialist in helping the self-employed Asset Finance Secured business loans Business auto Equipment lending Consumer auto ENABLED BY Core competencies Strategy and execution Our team of dedicated people 40+ years credit expertise through economic cycles Deep network of broker and channel partners Leading diversified funding program operating since 1985 Core home loans portfolio Unlock the power of AI to deliver intelligent lending Suite of complementary products Strong channel partnerships and customer experience High- performance culture SUPPORTED BY OUR CORE VALUES Own the outcome People first Make it happen
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| 4 FY26 highlights. 1 Excludes one-off item per reconciliation on page 20. 2 Excludes fair value gains/losses on derivatives 3 Excludes profit attributable to non-controlling interests ($0.1m) 4 Excludes impairment expense and tax. 5 Excludes the Westpac Auto Portfolio. FY26 fully franked ordinary dividend 10.0c vs. FY25 7.0c 43% FY26 fully franked special dividend 9.0c vs. FY25 12.0c Normalised operating profit1,2,3,4 $92.9m vs. FY25 $78.6m 18% Normalised NPAT1,2,3 $49.9m vs. FY25 $39.7m 26% Statutory NPAT3 $49.2m vs. FY25 $34.6m 42% Home Loan AUM $14.7bn vs. FY25 $13.4bn 10% Home Loan settlements $5.9bn vs. FY25 $4.9bn 20% Asset Finance AUM5 $1.5bn vs. FY25 $1.4bn 7% FY26 issuance $5.5bn vs. FY25 $4.3bn 28% Normalised ROE 13.6% vs. FY25 10.1% 3.5ppts Cost to income ratio1,2 53.0% vs. FY25 53.6% (0.6ppts) (Normalised)
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| 5 FY26 applications $9.4bn vs. FY25 $7.6bn Home Loan settlements increased 20% to $5.9bn, supported by strong application flow despite a competitive market. Home Loan AUM has increased 10% to $14.7bn, reflecting strong settlements and positive retention outcomes. Prime growth strengthened through FY26, improving portfolio scalability and supporting future earnings growth. FY26 settlements $5.9bn vs. FY25 $4.9bn FY26 average AUM $13.7bn $0.7bn increase vs. FY25 Settlements ($bn) ● Prime ● Non-conforming 1H25 2H25 1H26 2H26 1.0 1.1 1.2 1.7 1.4 1.4 1.5 1.5 2.4 2.5 2.7 3.2 FY26 $5.9bn | vs. FY25 $4.9bn AUM ($bn) 1H25 2H25 1H26 2H26 7.2 7.3 7.5 8.4 5.8 6.1 6.1 6.3 13.0 13.4 13.6 14.7 ● Prime ● Non-conforming FY26 $14.7bn FY26 vs. FY25 AUM increased 10% In a 12-month period Core focus. Strong momentum. Home Loan momentum strengthened through FY26. HOME LOAN FY26 closing AUM $14.7bn vs. FY25 $13.4bn
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| 6 Built for growth. Backed by quality. Growth supported by sound portfolio fundamentals. Home Loan AUM was $14.7bn at FY26 close, with the portfolio split across Prime and Non-conforming lending. Weighted average dynamic LVR was 62.2%, with 58% of accounts in the less than 60% dynamic LVR range. The portfolio remains diversified by loan type, product type and repayment type. This provides a strong platform for disciplined growth while maintaining prudent credit settings. Home Loan portfolio composition Loan type Owner occupied 53% Investment 47% Product type Prime 57% Non-conforming 43% Repayment type Principal and interest 62% Interest only 38% Home Loan weighted average portfolio dynamic LVR1,2 62.2% As at close Jun-26 vs. 61.2% at Jun-25 close Dynamic LVR (AU) 59.6% Prime 65.6% Non-conforming Home Loan dynamic LVR bands1,2 % of total portfolio accounts 70-80% 60-70%90%+ 80-90% Less than 60% 58% 61% 60% 18% 15% 15% 14% 14% 15% 7% 7% 7% 3% 3% 3% 1 Dynamic LVR = LVR based on current loan balance and corresponding Cotality individual property valuations. 2 Excludes New Zealand and Legacy loan products. ● 2H26 ● 1H26 ● 2H25 HOME LOAN
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| 7 FY26 applications $1.2bn vs. FY25 $1.4bn ASSET FINANCE Full cycle portfolio management. Managing the portfolio in line with the prevailing operating environment to optimise risk adjusted returns. Settlements deliberately moderated. Focus on higher risk-adjusted returns. Margin expansion supporting profitability. FY26 settlements $0.8bn vs. FY25 $0.9bn FY26 vs. FY25 AUM1 +7% FY26 vs. FY25 average AUM1 +17% 1 Excludes the Westpac Auto Portfolio. Settlements ($bn) FY26 $0.8bn | vs. FY25 $0.9bn 1H25 2H25 1H26 2H26 0.44 0.46 0.41 0.36 AUM ($bn) ● Asset Finance ● Westpac Auto Portfolio 1H25 2H25 1H26 2H26 1.4 1.5 1.5 1.1 0.6 0.3 2.5 2.1 1.8 1.2 Volume Composition FY26 settlements mix Auto finance 46% Equipment finance 17% Secured business loan 37% AUM portfolio mix at Jun-26 close Auto finance 57% Equipment finance 20% Secured business loan 23% FY26 average AUM1 $1.4bn $0.2bn increase vs. FY25 FY26 closing AUM1 $1.5bn vs. FY25 $1.4bn
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| 8 Funding advantage driving growth and returns. Access to diversified funding markets continues to lower cost of funds, support portfolio growth, and enhance shareholder returns. Resimac issued $5.0bn of RMBS and $0.5bn of ABS securities in FY26, while reducing overall funding margins and bringing benefit to cost of funds. FY26 issuance totalled $5.5bn, with aggregate bond issuance almost $60bn since inception. High quality mix of bank warehouse facilities and mature global securitisation program supports growth capacity and funding resilience across market cycles. Australia RMBS and ABS issuance term profile ($bn) Growing securitisation capacity supported by broad investor demand. ● Prime ● Non-conforming ● ABS FY19 FY20 FY21 FY22 FY23 FY24 2.4 2.5 5.5 5.5 2.0 4.2 FY26 4.3 5.5 FY25 1.4 1.5 3.5 3.0 0.5 1.5 2.3 3.0 1.0 1.0 2.0 2.5 1.5 2.3 2.0 2.0 0.5 0.4 Australia RMBS senior margin (bps) Consistent senior spread performance supporting FY27 margins. ● Prime ● Non-conforming 125 FY19 FY20 FY21 FY22 FY23 FY24 FY26FY25 128 101 83 145 115 110 110 140 130 123 116 177 135 125 123 June 2026: $1.0bn Prime RMBS priced at +108bps senior margin 125 FY19 FY20 FY21 FY22 FY23 FY24 FY26FY25 128 101 83 145 115 110 110 140 130 123 116 177 135 125 123
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| 9 Priorities and strategy. Our strategy: Intelligent lending Scalable growth Stronger returns Strengthen the Home Loan portfolio Grow AUM sustainably through stronger propositions, retention and broker execution. 01 02 03 04 05 Unlock the power of AI to deliver intelligent lending Use AI, data and automation to improve decisioning, productivity and customer experience. Deepen channel partnerships and customer experience Streamline channel partner and customer journeys. Strengthen relationships through personalising service. Build a suite of complementary products Refine asset finance products to improve risk adjusted returns. Scale complementary products to strengthen and diversify AUM. Build a high-performance culture Embed mindsets and behaviours that drive performance and growth. Attract, develop, and retain talent through a strong, supportive culture.
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| 10 Financial results. SECTION
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| 11 Financial performance overview. FY26 delivered stronger earnings, improved returns and positive operating leverage. Revenue growth from higher AUM more than offset strategic investment in people and technology, while credit performance remained resilient and capital efficiency improved materially. Normalised operating income ($m) 1 9 7.8 169.2 +17% Growth in average AUM and improved revenue generation supported a strong increase in operating income. Normalised operating expense ($m) (104.9) (90.6) +16% Investment in people, technology and strategic capability to support future growth and operating scalability. Normalised operating profit ($m) 92.9 78.6 +18% Revenue growth outpaced expense growth despite continued investment in people, technology and strategic capability, demonstrating improving operating leverage. Total loan impairment expense2 ($m) (21.4) (22.6) (5%) Credit performance remained resilient with impairment expense reducing despite portfolio growth. NPAT (normalised)3,4 ($m) 49.9 39.7 +26% Strong earnings growth supported by higher operating profit and lower impairment expense. Statutory NPAT4 ($m) 49.3 34.6 +42% Strong earnings growth supported by operating profit growth, lower impairment expense and the full-year contribution from the Westpac Auto Portfolio. Cost to income ratio (normalised)3 (%) 53.0% 53.6% (0.6%) Income growth outpaced expense growth despite strategic investment. Return on equity (normalised NPAT)4,5 (%) 13.6% 10.1% 3.5% Improved profitability and disciplined capital management increased shareholder returns. Fully franked ordinary dividend (cents per share) 10.0c 7.0 c 43% Fully franked ordinary dividends increased 43% to 10.0 cents per share, reflecting stronger earnings performance and disciplined capital management. FINANCIAL PERFORMANCE 1 FY26 FY25 CHANGE COMMENTS 1 Totals may not reconcile with the sum of their parts due to rounding. 2 Loan Impairment Expense excludes adjustments for fair value discount allocated to credit loss provisioning upon acquisition of the Westpac Auto Portfolio. 3 Normalised NPAT excl. FV movement on derivatives. 4 Excludes profit attributable to non-controlling interests ($0.1m). 5 Annualised normalised NPAT (excl. FV movement on derivatives)/average period shareholders equity.
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| 12 Operating profit bridge. Operating profit growth driven by AUM, revenue growth and operating leverage. Key operating profit drivers Average AUM growth was a key contributor to operating profit improvement. FY26 NIM 5 bps higher than FY25 due to Asset Finance NIM with Home Loans NIM being flat despite competitive pressures. Funding benefit coming from lower margins / cost of funding. The full-year contribution from the Westpac Auto Portfolio represented an important contributor to FY26 earnings growth, alongside continued momentum in the core Home Loan business. Fee and other income increase attributable to higher fees and commissions from growth in home loans portfolio. Opex growth reflects targeted investment in employment; IT spend and integration capability. Group operating profit (Normalised, $m)1 FY25 Pricing2 Home Loan volume2 Asset Finance volume2 Funding2 Westpac Auto Fee and other income FY26Opex 78.6 (0.9) 9.1 4.9 3.1 9.4 3.0 (14.3) 92.9 NET INTEREST MARGIN 1 Normalised operating profit excl. FV gains/losses on derivatives. 2 Figures represent movement in net interest margins as per page 13. FY25 to FY26
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| 13 NIM and portfolio mix. NIM outcomes reflect mix, market competition, and active pricing discipline. 153bps JUN-26 EXIT NIM FY25 FundingCustomer rate FY26 159154 (50) 12 BBSW / BKBM 43 Group NIM (bps)1,2 129bps JUN-26 EXIT NIM FY25 FundingCustomer rate FY26 131131 (57) 13 BBSW / BKBM 44 Home Loan NIM (bps)1,2 313bps JUN-26 EXIT NIM FY25 FundingCustomer rate FY26 312299 (39) 15 BBSW 37 Asset Finance NIM (bps)1,2 Group NIM increased 5bps despite competitive Home Loan markets, supported by Asset Finance margin expansion, portfolio mix improvement and lower funding costs. Group 159bps 3 | Westpac Auto and Asset Finance mix shift +5bps Home Loan 131bps 3 | Portfolio mix towards Prime impacts offset by funding benefits Flat Asset Finance 312bps 3 | Improved product matrix +13bps 1 NIM excludes broker commissions and risk fee income. 2 Funding margins inclusive of swaps and bank interest. 3 Figures represent full year average NIM.
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| 14 Credit performance and provisioning. Provisioning remains prudent and responsive to portfolio risk. Total loan impairment expense reduced to $21.4m in FY26, compared with $22.6m in FY25 driven by disciplined collections management and improved recovery outcomes. Home Loan collective provision coverage reduced by 2bps to 20bps reflecting improved portfolio quality and a shift towards Prime AUM. Home Loan dynamic LVR was 62.2%, supporting portfolio resilience. Asset Finance collective coverage increased to 127bps, despite a lower collective provision balance due to Westpac Auto Portfolio run-off. Prime arrears remain below major bank averages. Collective provisioning (2.1) (6.8) 4.7 Specific provisioning (10.6) (0.1) (10.5) Net write-offs (8.7) (15.7) 7.0 Total impairment expense (21.4) (22.6) 1.2 TOTAL IMPAIRMENT EXPENSE 1 ($m) FY26 FY25 FY26 vs. FY25 Home Loan FY26 collective provisioning2 $31.7m $0.5m decrease vs. FY25 Coverage3 20bps 2bps decrease vs. FY25 Dynamic LVR 62.2% Asset Finance FY26 collective provisioning2 $23.1m $5.6m decrease vs. FY25 Coverage3 127bps 11bps increase vs. FY25 AUM property- backed4 28% 90+ days arrears Prime Home Loan comparison5,6 Resimac Prime 0.41% Major 1 0.69% Major 2 0.57% Major 3 0.82% Major 4 1.01% Non-major ADI 0.85% 90+ days Home Loan arrears by product6 (as % closing AUM) ● Resimac Prime ● S&P Prime ● Resimac Non-conforming ● S&P Non-conforming 1H24 2H24 1H25 2H25 1H26 2H26 3.47% 3.26% 2.04% 2.03% 1.79%1.66% 1.50%1.71% 1.45% 2.32% 1.24%1.62% 0.41%0.36%0.45% 0.81% 0.46%0.69% 0.77%0.82% 0.50% 0.44%0.45%0.41% 90+ days Asset Finance arrears7 (as % closing AUM) ● Asset Finance ● S&P Auto 1H24 2H24 1H25 2H25 1H26 2H26 0.42% 0.28% 0.46% 0.36% 0.17% 0.59% 0.16% 0.27%0.27% 0.27% 0.36% 0.33% 1 Includes fair value discount allocated to credit loss provisioning upon acquisition of the Westpac Auto Portfolio. 2 Collective provisioning balance is calculated based on gross loan balance (excl. loan offset accounts). 3 Collective provisioning coverage is calculated on gross loan balance (excl. loan offset accounts). 4 Includes Secured Business Loans and Secured Commercial Loans on the Resimac originated portfolio only. 5 Graph based on latest results up to the date of this report. 6 Excludes New Zealand segment. 7 Excludes the Westpac Auto Portfolio.
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| 15 Strong shareholder returns. Supported by disciplined capital management. Capital management framework Support sustainable earnings growth. Maintain balance sheet strength and flexibility. Return surplus capital to shareholders efficiently. Ordinary dividend per share1 FY24 FY25 FY26 7.0c 7.0c 10.0c +43% growth Franking credits remaining $103.3m FY26 capital management balanced stronger shareholder returns and preservation of future growth capacity. FY26 fully franked special dividend 9.0c Returned surplus capital to shareholders FY26 fully franked ordinary dividend 10.0c vs. FY25 7.0c 1 Ordinary dividend payout ratio 80%.
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| 16 FY27 outlook. Focus is clear: Resimac enters FY27 with stronger earnings momentum, an expanding Home Loan core, improving Asset Finance returns, deep funding access and a disciplined capital framework. We remain focused on converting this stronger platform into sustainable shareholder value. Home Loans Continue sustainable AUM growth through proposition refinement, retention, and broker execution. 01 02 03 04 05 Asset Finance Maintain disciplined origination, focused on higher risk-adjusted returns. Productivity Use AI, automation, and process improvement to drive scalable operating leverage. Credit Maintain prudent provisioning and active risk monitoring. Capital Continue disciplined capital allocation, balancing growth and shareholder returns.
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| 17 Questions and answers. SECTION
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Thank you. Resimac Group Ltd ABN 55 095 034 003 | ASX:RMC Australian Credit Licence 247829
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| 19 Appendices. SECTION
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| 20 Consolidated statement of profit or loss ($m) For the year ended 30 June 2026 Interest income 1,050.7 1,058.0 Interest expense (858.0) (887.5) Net interest income 192.7 170.5 Fee and commission income 21.4 15.4 Fee and commission expense (16.9) (16.5) Fair value gains/(losses) on derivatives 0.2 (4.1) Fair value gain on unlisted equity investment - 1.3 Other income 0.7 3.1 Employee benefits expense (59.0) (56.7) Other expenses (47.1) (41.7) Loan impairment expense (21.4) (22.6) Profit before tax 70.6 48.7 Income tax expense (21.3) (14.1) PROFIT AFTER TAX 49.3 34.6 FY25FY26 Reconciliation of statutory NPAT to normalised NPAT NPAT attributable to parent (statutory) 49.2 34.6 Professional fees and restructuring cost 2.4 4.8 Unrecoverable GST payable (1.2) 1.2 Gain on modification of office lease - (1.6) Office lease make good provision - 0.4 Dividend income from listed equity investments - (0.4) Fair value write-up on unlisted equity investment - (1.3) Fair value gains/losses on derivatives (0.2) 4.1 Tax effect of normalised items (0.3) (2.1) Normalised NPAT attributable to parent 49.9 39.7
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| 21 Consolidated statement of financial position ($m) As at 30 June 2026 ● Assets ● Liabilities ● Equity Cash and bank balances 722.5 775.7 Trade and other receivables 4.2 4.9 Current tax receivable 15.4 - Loans and advances to customers 16,582.9 15,975.3 Other assets 9.8 24.0 Other financial assets 4.8 4.8 Derivative financial assets 8.6 25.6 Right-of-use assets 9.7 13.3 Intangible assets 31.3 32.9 TOTAL ASSETS 17 ,389.2 16,856.5 Trade and other payables 26.8 26.6 Interest-bearing liabilities 16,860.2 16,296.2 Other financial liabilities 87.5 89.8 Derivative financial liabilities 28.1 54.8 Lease liabilities 10.3 13.3 Other liabilities 0.6 4.5 Provisions 6.0 6.2 TOTAL LIABILITIES 17 ,019.5 16,491.4 Net assets 369.7 365.1 Share capital 170.5 170.5 Reverse acquisition reserve (61.5) (61.5) Total issued capital 109.0 109.0 Reserves (11.5) (30.4) Retained earnings 270.4 286.5 Equity attributable to owners of the parent 367 .9 365.1 Non-controlling interest 1.8 - TOTAL EQUITY 369.7 365.1 FY25FY26
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| 22 Consolidated statement of cash flows ($m) ● Operating activities ● Investing activities ● Financing activities For the year ended 30 June 2026 Interest received 1,087.8 1,098.0 Interest paid (848.0) (886.8) Receipts from loan fees and other income 23.8 25.2 Payments to suppliers and employees (193.1) (181.8) Payments of net loans to borrowers (601.0) (472.0) Income tax paid (38.7) (13.7) Net cash used in operating activities (569.2) (431.1) Net payment for plant and equipment (0.1) (0.2) Payment for acquisition of subsidiary/loan portfolio - (1,420.9) Cash acquired on additional acquisition of subsidiary/loan portfolio - 0.2 Payment for new investments - (2.0) Proceeds from sale of future trail commission contract asset 1.7 - Proceeds on disposal of listed equity investments - 8.5 Dividend income from listed equity investment - 0.3 Net cash from/(used in) investment activities 1.6 (1,414.1) Proceeds from borrowings 15,737.6 12,213.5 Repayment of borrowings (15,152.0) (10,408.3) Proceeds from exercise of options - 0.8 Payment of lease liabilities (0.9) (1.4) Swap (payments)/receipts (3.2) 5.5 Net loan to related party - (11.0) Payment of dividends (65.3) (44.9) Payment for share buybacks - (4.1) Payment for acquisition of treasury shares (0.2) (1.0) Payment from issuance of shares - 0.3 Proceeds from non-controlling interest capital contributions 1.6 - Net cash from financing activities 517 .6 1,749.4 Net decrease in cash and cash equivalents (50.0) (95.8) Cash and cash equivalents at the beginning of the period 775.7 871.0 Effects of exchange rate changes on cash balances held in foreign currencies (3.2) 0.5 Cash and cash equivalents at the end of the period 722.5 775.7 FY25FY26
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| 23 1 Totals may not reconcile with the sum of their parts due to rounding. 2 Loan Impairment Expense excludes adjustments for fair value discount allocated to credit loss provisioning upon acquisition of the Westpac Auto Portfolio. 3 Normalised NPAT excl. FV movement on derivatives. 4 Excludes profit attributable to non-controlling interests ($0.1m). 5 Annualised normalised NPAT (excl. FV movement on derivatives)/average period shareholders equity. Normalised operating income ($m) 103.5 94.3 1 97.8 76.6 92.6 169.2 Normalised operating expense ($m) (51.8) (53.1) (104.9) (40.7) (49.9) (90.6) Normalised operating profit ($m) 51.7 41.2 92.9 35.9 42.7 78.6 Total loan impairment expense2 ($m) (9.7) (11.7) (21.4) (14.8) (7.8) (22.6) Normalised profit before tax ($m) 42.0 29.5 71.5 21.1 34.9 55.9 NPAT (normalised)3,4 ($m) 29.5 20.4 49.9 15.0 24.7 39.7 Statutory NPAT4 ($m) 28.5 20.7 49.2 13.5 21.1 34.6 Cost to income ratio (normalised)3 (%) 50.0% 56.3% 53.0% 53.1% 53.9% 53.6% Return on equity (normalised NPAT)4,5 (%) 15.5% 10.6% 13.6% 7.2% 12.5% 10.1% Fully franked ordinary dividend (cents per share) 4.0c 6.0c 10.0c 3.5c 3.5c 7.0c FINANCIAL PERFORMANCE 1 1H26 2H26 FY26 1H25 2H25 FY25 Financial performance overview. Half on half.
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| 24 Group NIM: Compressed 8bps on 1H26 driven by a shift in portfolio mix towards Home Loans as the Westpac Auto Portfolio runs off. Home Loan NIM: Compressed 4bps on 1H26 with a rising RBA cash rate driving higher BBSW. A shift towards Prime AUM, a timing lag affecting repricing on the variable back book had the customer rate improving by 23bps despite the cash rate environment. Funding margins improved 8bps in the half despite macroeconomic headwinds, benefiting from the shift in mix. Asset Finance NIM: Widened 6bps on 1H26 with a focus on higher return products offsetting the volume run-off of the Westpac Auto Portfolio acquired in 2H25. 1 NIM excludes broker commissions and risk fee income. 2 Funding margins inclusive of swaps and bank interest. 153bps JUN-26 EXIT NIM Group NIM (bps)1,2 2H25 FundingCustomer rate 1H26 160 (47) BBSW / BKBM FundingCustomer rate 2H26BBSW / BKBM 47 3 163 15 (35) 12 155 129bps JUN-26 EXIT NIM Home Loan NIM (bps)1,2 2H25 FundingCustomer rate 1H26 134 (54) BBSW / BKBM FundingCustomer rate 2H26BBSW / BKBM 48 5 133 23 (35) 8 129 313bps JUN-26 EXIT NIM Asset Finance NIM (bps)1,2 2H25 FundingCustomer rate 1H26 287 (13) BBSW FundingCustomer rate 2H26BBSW 41 (6) 309 9 (34) 31 315 Portfolio NIM. Half on half.
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| 25 Environmental, social and governance .
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| 26 As an ASX-listed entity funding Australian communities, Resimac integrates Environmental, Social and Governance (ESG) considerations across all aspects of our business. We recognise that responsible business practices have far-reaching impacts, and our ESG approach is a key consideration for customers, investors, shareholders, employees and suppliers. Resimac published its first Annual Sustainability Report for FY26 in accordance with the Australian Sustainability Reporting Standards (ASRS), integrated within the Annual Report. This was supported by enhancements to climate governance, risk and opportunity assessment processes, and climate scenario analysis to strengthen disclosure quality and consistency. Our ESG initiatives are overseen by a people-led ESG Committee, with representation from across the business, reinforcing shared ownership and accountability. Environmental, social and governance. Good health and wellbeing Ensure healthy lives and promote wellbeing for all at all ages. Quality education Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all. Climate action Take urgent action to combat climate change and its impacts. The ESG Committee aligns its focus with the United Nations Sustainable Development Goals, concentrating on:
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| 27 | Accountability We are committed to ethical and sustainable business practices, with a focus on continually enhancing governance processes, climate risk oversight and supply chain alignment with our principles. Key ESG pillars. Resimac's overarching Environmental, Social and Governance purpose comprises the following key pillars: | Sustainability We integrate sustainability considerations across our business, aiming to reduce environmental impact while delivering long-term value for our people, customers, partners, investors and communities. | Community We actively support our communities through a combination of employee volunteering and financial contributions. Our people regularly volunteer with The Station and provide ongoing support to programs such as Food Ladder, Go Foundation and Sanctuary Housing, creating meaningful and lasting social impact.
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| 28 Social. Our people are our greatest investment. We prioritise engagement, health, safety and inclusion through our Diversity, Equity and Inclusion (DEI) Committee, which celebrates diverse cultures and perspectives across the organisation. We are committed to creating a workplace where people are respected and valued. We invest in human capital through our remuneration framework, DEI policies, workplace health and safety programs, and community initiatives. Our people actively support our communities through volunteering, community funding and customer advocacy, helping deliver meaningful and lasting social impact. Environmental. We are committed to conducting our business in an environmentally responsible manner and to reducing our environmental footprint over time. Building on earlier initiatives, Resimac has supported large‑scale land restoration and biodiversity projects through prior partnerships, including the planting of more than 46,000 trees to support healthier, more resilient ecosystems. We remain committed to supporting community forestry initiatives that contribute to climate sustainability and positive environmental outcomes. An RFP process is underway to appoint a suitable tree‑planting partner for CY2026. Governance. Resimac’s governance structure incorporates a compliance and risk framework and a three‑lines‑of‑defence model, supporting regulatory adherence and effective risk mitigation to protect our stakeholders, including people, customers and shareholders. In FY26, governance responsibilities were enhanced to support the implementation of climate‑related disclosures under the Australian Sustainability Reporting Standards (ASRS), with climate‑related risks and reporting overseen through established governance committees and management accountability frameworks. Our ESG Framework, which details our sustainability objectives and initiatives, is publicly available on our website.
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| 29 | Good health and wellbeing Sanctuary Housing: Resimac provides financial and volunteer support to assist women and children escaping domestic violence and homelessness. The Station: We provide weekly volunteering support to this Sydney-based welfare service, which offers mental health support, meals, laundry, showers and housing assistance. City 2 Surf: Our teams participate in the annual City2Surf event, raising funds for a charitable partner. | Quality education GO Foundation: Resimac supports the Go Foundation in its work to provide scholarships and create pathways to education for Aboriginal and Torres Strait Islander students. Food Ladder: Resimac funds hydroponic greenhouses in schools through Food Ladder, embedding experiential STEM, agricultural and nutritional education in remote and disadvantaged communities. This program has delivered measurable improvements in student engagement, attendance and foundational skills. | Climate action Community forestry initiatives: Resimac has previously supported community forestry initiatives through Carbon Positive. Following the conclusion of that partnership at the end of CY2025, an RFP is underway to appoint a new tree-planting partner for CY2026, reflecting our ongoing commitment to environmental sustainability and ecosystem restoration. Food Ladder: Through hydroponic greenhouses, Food Ladder reduces reliance on long-distance food supply chains in remote communities, lowers transport emissions and supports climate-resilient local food production. Charitable partnerships aligned with our ESG goals.
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Important notice and disclaimer. DISCLAIMER The information in this presentation provides an overview of the results for the period ended 30 June 2026. It is general background information about the activities of Resimac Group Ltd ('Resimac') and is current as at the date of the presentation, 26 August 2026. It is provided in summary and does not purport to be complete. You should not rely upon it as advice for investment purposes, as it does not take into account your investment objectives, financial position or needs. These factors should be considered, with or without professional advice, when determining if an investment is appropriate. Forward looking statements in this presentation are based on Resimac’s current views and assumptions, and involve known and unknown risks and uncertainties, many of which are beyond Resimac’s control and could cause actual results, performance or events to differ materially from those expressed or implied. These forward looking statements are not guarantees or representations of future performance, and should not be relied upon as such. This presentation has not been subject to auditor review and all dollar values are in Australian dollars ($AUD), unless otherwise stated. This presentation should be read in conjunction with all information which Resimac has lodged with the Australian Securities Exchange ('ASX'). Copies of those lodgements are available from either the ASX website asx.com.au or Resimac’s website resimac.com.au. This presentation does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. Any such securities have not been, and will not be registered under the U.S. Securities Act of 1933 (Securities Act), or the securities laws of any state or other jurisdiction of the United States, and may not be offered or sold, directly or indirectly, in the United States or to, or for the account or benefit of, persons in the United States, unless they have been registered under the Securities Act (which Resimac has no obligation to do or to procure), or are offered and sold in a transaction exempt from, or not subject to, the registration requirements of the Securities Act. | RESIMAC GROUP LTD ABN 55 095 034 003 • ASX:RMC AUSTRALIAN CREDIT LICENCE 247829