1H26 Investor Presentation

• Statutory NPAT of $100.0m, down 25.2% y-o-y
• Underlying NPAT of $106.3m, down 15.7% y-o-y
• Interim dividend of 43cps declared, payable on 4 September 2026

Helia Group Ltd presented its 1H26 financial results, showing a statutory net profit after tax (NPAT) of $100.0 million, a 25.2% decrease from the previous year. Underlying NPAT was $106.3 million, down 15.7% year-over-year. The company declared an interim dividend of 43 cents per share, payable on 4 September 2026. Insurance revenue decreased by 6.4% primarily due to lower gross written premiums (GWP) in recent book years. Insurance service expense increased by 29.1% due to a lower benefit from negative total incurred claims. Net investment revenue decreased by 57.7% due to small realized and unrealised losses compared to large gains in the prior comparative period. The company also reported a 4% reduction in closing delinquencies from FY25 due to a smaller book of in-force policies.