• Strong customer demand and product engagement driving asset growth at higher margins
• Continued to expand in public ABS markets with further spread tightening in 2H25
• Sustainable profitable growth with revenue momentum and operating leverage

Latitude Group Holdings Ltd announces the proposed offer of Capital Notes 2, providing an overview of the company's recent financial performance and key business drivers. The company has seen strong customer demand and product engagement, driving asset growth at higher margins. Key highlights include 16% YoY growth in new customer accounts, 18% YoY growth in new personal and auto loan origination, and 104bps YoY improvement in net interest margin. The company has continued to expand its public ABS funding platform, with further spread tightening in the second half of 2025. Latitude has also demonstrated sustainable profitable growth, with revenue momentum and operating leverage translating into strong financial outcomes, including 15% YoY growth in total operating income and 78bps YoY improvement in risk-adjusted income. The company has a robust funding platform, with 8 active securitization facilities and a diversified investor base. Latitude has strong cashflow and equity capital generation capacity to support the organic expansion of its loan book.

Latitude expects to raise approximately $100 million through the Capital Notes 2 offer, with the ability to raise more or less. The proceeds will be used for general corporate purposes, including the potential redemption of the existing Capital Notes 1. No decision has yet been made on the redemption of Capital Notes 1.