3Q26 Trading Update

• Loan originations up 19% in Australia and over 50% in New Zealand
• Loan book grew 10% to $879m, with Australian loans now 62% of total
• Net interest margin increased 120bps to 10.3%

Harmoney Corp Limited (ASX: HMY) has provided an update on its performance for the 9 months ended 31 March 2026 (3Q26) and affirmed its FY26 Cash NPAT guidance of $13m, representing a 128% increase from FY25. Key highlights include: loan originations increased 19% in Australia and over 50% in New Zealand in local currency; the group loan book grew 10% to $879m, with the Australian loan book growing 17% and the New Zealand loan book growing 9% in local currency; net interest margin increased 120bps to 10.3%; credit losses were unchanged at 3.8% while 90+ day arrears improved; risk-adjusted income margin increased 120bps to 6.5%; and the cost to income ratio improved to 18.2%. Harmoney has over $30m in available cash reserves and total warehouse capacity exceeding $1 billion, including a new credit-approved secured lending facility, positioning it well for continued strong loan book and profit growth.

FY26 Cash NPAT guidance of $13m, representing a 128% increase from FY25.

Harmoney remains well capitalised to continue its strong loan book and profit growth through the remainder of FY26 and into FY27 and beyond.