• Loan book growth of 9% on pcp, driven by Stellare® 2.0
• Net interest margin up 130bps to 10.3%, risk adjusted margin up 110bps to 6.4%
• Cash NPAT of $6.1m surpassed full year FY25 Cash NPAT, up 166%

Harmoney Corp Ltd reported a strong 1H26 performance, with the key highlights including:- Loan book growth of 9% on pcp, driven by the rollout of Stellare® 2.0 which saw the Australian loan book grow 17% and the New Zealand book return to growth of 5% (in local currency)- Net interest margin up 130bps to 10.3%, with new lending NIM continuing at over 10%, and risk adjusted margin up 110bps to 6.4%- Credit losses stable at 3.9%, with 90+ day arrears at a low 0.58%- Cash NPAT of $6.1m, surpassing the full year FY25 Cash NPAT of $5.7m and representing 166% growth- Statutory NPAT of $6.1m, up 202% on 1H25 and also surpassing the full year FY25 result- Return on equity of 31%, up from 13% in the prior corresponding period- Exceptional funding in place, with $24m in unrestricted cash and $1bn in total warehouse capacity from 3 of the 'Big-4' Australian banks

FY26 Guidance: $13m Cash NPAT (previous guidance $12m), with the loan book expected to reach $900m+ by year end, net interest margin of ~10%, and risk adjusted income of ~6%.

Harmoney is focused on accelerating its customer flywheel through initiatives such as expanding into vehicle lending, enhancing its AI-powered underwriting and customer acquisition, and developing new customer engagement features. This is expected to drive continued strong loan book and profit growth.