• Record receivables and originations driven by strong customer demand
• Margin expansion and operating leverage supporting financial outcomes
• Diversified funding platform and disciplined cost management
• Positive outlook despite challenging macroeconomic conditions
• Strong fundamentals and commitment to returning capital to shareholders

Latitude Group Holdings Ltd's first half of 2026 results presentation highlights significant growth in receivables and new originations, driven by strong customer demand. The company achieved record receivables and new personal and auto loan originations, reflecting sustained growth momentum. Margin expansion and operating leverage were key drivers of financial outcomes, with Risk Adjusted Income (RAI) margin remaining strong at 8.0%. The diversified funding platform and disciplined cost management supported growth and margin expansion. Despite anticipated macroeconomic challenges, the company remains positive on its outlook, expecting continued profitable receivables growth and strong risk-adjusted returns. The presentation also emphasizes the company's commitment to returning capital to shareholders.

RAI margin expected to remain strong at 8.0% for the full year 2026

Latitude expects to continue delivering profitable receivables growth, supported by its diversified business model, differentiated products, and broad partner network. The company anticipates maintaining strong risk-adjusted returns through pricing, credit, and portfolio management actions. Continued operating leverage through productivity and technology investments is expected to offset inflationary pressures and improve customer experiences.