1H2026 Results Presentation

• Salary Packaging segment continues strong organic growth
• Executed strategic acquisitions to drive growth
• Broking & Aggregation segment maintains market leadership
• Lending segment delivers solid performance with disciplined lending

COG Financial Services Ltd reported a strong 1H2026 performance, with the Salary Packaging segment continuing to deliver outstanding results driven by sustained organic momentum and incremental contributions from recent acquisitions. The company executed its acquisition strategy, completing several strategic acquisitions during the period to add to the organic trajectory of its business segments. The Broking & Aggregation segment, now the largest asset finance broker and aggregator in Australia, maintained its strong market position with good volume growth. The Lending segment delivered solid performance based on disciplined lending, with the lending book continuing to perform strongly. COG's corporate costs are being tightly managed, and the company remains focused on investing in technology and AI to enhance its processes and drive further growth and efficiency across its operations.

COG expects ongoing organic growth in its Salary Packaging segment as it continues to capture opportunities driving uptake with current partners, assisted by current government incentives on electric vehicles. The company will remain active in identifying strategic acquisitions (at the right price) to add to the organic trajectory of its business segments.

COG sees incredible opportunities for growth and efficiency from the evolving technology and AI in its sectors, and is excited to embrace these developments to enhance its processes. The company will continue to access corporate cash reserves where appropriate for acquisitions, as it did in the recent half-year period.