Appendix 4D and 1H26 Half Year Report

• Cash NPAT increased 166% to $6.1m, exceeding FY25 full year Cash NPAT
• Statutory NPAT increased 202% to $6.1m, also exceeding FY25 full year
• Loan originations grew 27% to $242.7m, led by 48% growth in existing customer originations

Harmoney Corp Ltd reported a strong financial performance for the first half of FY2026, with Cash NPAT increasing 166% to $6.1m and Statutory NPAT increasing 202% to $6.1m, both exceeding the prior full year results. Income increased 12% to $71.9m due to loan book growth and a higher average loan portfolio interest rate. Interest expense decreased 5% as lower facility margins and swap rates more than offset increased borrowings. Incurred credit losses increased $2.2m, largely driven by portfolio growth. Loan originations grew 27% to $242.7m, led by a 48% increase in existing customer originations. The Australian loan portfolio grew 18% to $501.9m, while the New Zealand portfolio returned to growth in local currency, up 5% to NZ$389.9m. Risk Adjusted Income increased 110bps to 6.4%, driven by average loan portfolio growth and a 130bps improvement in Net Interest Income. The cost to income ratio remained low at 18.5%. The company's financial position remained strong, with net assets increasing 24% to $42.7m.

Harmoney did not provide any high-importance, price-sensitive forward-looking financial metrics in the announcement.