HUMM GROUP LIMITED — Interim / Quarterly Report 2026

Feb 10, 2026

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HUMM GROUP LIMITED INTERIM RESULTS

FOR THE HALF-YEAR ENDED 31 DECEMBER 2025

Angelo Demasi |Chief Executive Officer Tony Taylor |interim Chief Financial Officer

11 February 2026

Authorised for release by the humm group Board of Directors humm Group Limited, ACN 122 574 583 Level 14, 255 Pitt Street, Sydney NSW 2000

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

DISCLAIMER

This presentation has been prepared by humm group limited (ACN 122 574 583) ( humm group).

No recommendation, offer, invitation or advice

This presentation is not a financial product or investment advice or recommendation, offer or invitation by any person or to any person to sell or purchase securities in humm group in any jurisdiction. This presentation contains general information about humm group only in summary form and does not take into account the investment objectives, financial situation and particular needs of individual investors. The information in this presentation does not purport to be complete. Investors should make their own independent assessment of the information in this presentation and obtain their own independent advice from a qualified financial adviser having regard to their objectives, financial situation and needs before taking any action. This presentation should be read in conjunction with humm group’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange.

Exclusion of representations or warranties

The information contained in this presentation may include information derived from publicly available sources that has not been independently verified. No representation or warranty, express or implied, is made by humm group or any of its related bodies corporate or their respective officers, employees, advisers or agents ( hummgroup Parties ) as to the accuracy, completeness, reliability or adequacy of any statements, estimates, opinions or other information, or the reasonableness of any assumption or other statement, contained in this presentation. Nor is any representation or warranty, express or implied, given by any humm group Party as to the accuracy, completeness, likelihood of achievement or reasonableness of any forecasts, prospective statements, returns, guidance, estimates or statements in relation to future matters ( Forward Statements ) contained in this presentation. Such Forward Statements are by their nature subject to significant uncertainties and contingencies many of which are outside the control of humm group. Forward Statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from the expectations described. Readers are cautioned not to place undue reliance on. Actual results or performance may vary from those expressed in, or implied by, any Forward Statements. humm group does not undertake to update any Forward Statements contained in this presentation. To the maximum extent permitted by law, the humm group Parties disclaim all

liability and responsibility (including without limitation any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, this presentation. Past performance is not a reliable indicator of future performance.

Jurisdiction

The distribution of this presentation including in jurisdictions outside Australia, may be restricted by law. Any person who receives this presentation must seek advice on and observe any such restrictions. This document is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to purchase any securities and neither this document nor anything contained herein shall form the basis of any contract or commitment. In particular, the document does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The securities of humm group have not been, and will not, be registered under the US Securities Act of 1933 (as amended) (“Securities Act”), or the securities laws of any state of the United States. Each institution that reviews the document that is in the United States, or that is acting for the account or benefit of a person in the United States, will be deemed to represent that each such institution or person is a “qualified institutional buyer” within the meaning of Rule 144A of the Securities Act of 1933, and to acknowledge and agree that it will not forward or deliver this document, electronically or otherwise, to any other person. No securities may be offered, sold or otherwise transferred except in compliance with the registration requirements of applicable securities laws or pursuant to an exemption from, or in a transaction not subject to, the registration requirements of applicable securities laws.

Investment Risk

An investment in humm group securities is subject to investment and other known and unknown risks, some of which are beyond the control of humm group. humm group does not guarantee any particular rate of return or the performance of humm group securities. All amounts are in Australian dollars unless otherwise indicated.

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

AGENDA

01 HIGHLIGHTS 02 FINANCIALS 03 SUMMARY

04 APPENDICES

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

01 HIGHLIGHTS

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

GROUP PERFORMANCE

01

02

03

04

05

06

$13.9m 5.6c Statutory profit Annualised (after tax) statutory profit (Including adjustment to the earnings Forum Finance litigation provision and other specific items)[1 ] per share2

5.4% Return on Equity3

57.4% Group Net 1.5c Cost to income Loss/ANR fully franked ratio4 remained low interim (Including adjustment to the at 2.0% 5,6 dividend Forum Finance litigation provision and other specific items)[1 ]

1. Specific items including Forum Finance litigation provision are included in statutory profit (after tax) and detailed on slide 13.

2. Statutory earnings per share (EPS) is calculated as annualised Statutory profit (after tax) divided by the weighted average total number of shares on issue for the period.

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1. Return on equity (ROE) is calculated as annualised Statutory profit (after tax) divided by average total statutory equity (total equity excluding reserves).

2. Cost to Income (CTI) ratio represents total operating expenses as a percentage of net operating income. Operating expenses included all items incurred during 1H26 including those that have been identified as irregular in nature. 5. Net Credit Loss to ANR ratio is calculated as the Group's net credit losses for the last 12 months divided by Average Net Receivables (ANR), excluding receivables subject to the Forward Flow arrangement.

3. Net Credit Loss to average AUM ratio is calculated as the Group's net credit losses for the last 12 months divided by average Assets Under Management (AUM), including receivables under the Forward Flow arrangement, which for 1H26 is 1.8%.

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

GROUP KEY PERFORMANCE METRICS

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STATUTORY PROFIT (AFTER TAX) NET INTEREST INCOME AND NIM [1]
INCL. FORUM FINANCE PROVISION AND OTHER SPECIFIC ITEMS
5.6% 5.5% 5.5% 5.4% 5.5%
$27.3m
$13.1m $12.3m $13.9m $133.9m $134.4m
$128.7m $130.6m
$122.7m
-$6.0m
1H24 2H24 1H25 2H25 1H26
1H24 2H24 1H25 2H25 1H26
Statutory Profit (after tax) ` Net Interest Income Net Interest Margin
COST TO INCOME RATIO NET CREDIT LOSS TO ANR [3]
INCL. FORUM FINANCE PROVISION AND OTHER SPECIFIC ITEMS
64.0% 2 2.0%
1.8% 1.8% 1.8%
53.0% 52.4% 51.0% 57.4% 1.7%
2.8%
2.5% 2.7%
3.3%
3.3%
$97.4m $95.7m
$83.8m $85.1m $85.8m
0.9% 1.1% 1.3%
0.5% 0.7%
1H24 2H24 1H25 2H25 1H26 1H24 2H24 1H25 2H25 1H26
Operating Expensesperating Expenseserating Expensesg Expenses Expensespensesenses CTI % Commercial Consumer
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INCL. FORUM FINANCE PROVISION AND OTHER SPECIFIC ITEMS
$27.3m
$13.1m $12.3m $13.9m
-$6.0m
1H24 2H24 1H25 2H25 1H26
Statutory Profit (after tax)
COST TO INCOME RATIO
INCL. FORUM FINANCE PROVISION AND OTHER SPECIFIC ITEMS
64.0% 2
57.4%
53.0% 52.4% 51.0%
$97.4m $95.7m
$83.8m $85.1m $85.8m
1H24 2H24 1H25 2H25 1H26
Operating Expensesperating Expenseserating Expensesg Expenses Expensespensesenses CTI %
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1. Net Interest Margin (NIM) is calculated as annualised Net Interest Income divided by Average Net Receivables. 2. CTI would have been 52.5% excluding the $8.3m irregular items.

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1. Average Net Receivable is the average of on balance sheet loans and advances before ECL provision over the reporting period.

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

GROUP KEY PERFORMANCE METRICS

CREDIT PERFORMANCE (NET CREDIT LOSS TO ANR[1] vs AVERAGE AUM[2] )

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2.0%
1.8% 1.7% 1.8% 1.7% 1.8%
1H25 2H25 1H26
Net Loss to ANR Net Loss to average AUM
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NET LOSS TO ANR

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1.8% 3 1.8% 3 2.0% 3
2
$4.8b $4.9b $4.9b
1H25 2H25 1H26
Average Net Receivables
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CREDIT ORIGINATION QUALITY REMAINS STRONG

• As anticipated and communicated, Net Credit Loss to Average Net Receivables (ANR) increased 15bps on 2H25 with the Commercial portfolio continuing to season from prior period higher volume growth. Commercial losses have peaked and are anticipated to reduce in 2H26.

• An origination-based perspective shows that net credit losses remain low relative to Assets Under Management (AUM), supporting the strength and consistency of credit written.

• Credit outcomes are consistent across receivables retained on balance sheet and those sold under the Forward Flow arrangement, reinforcing the strength of underwriting standards.

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NET LOSS TO AVERAGE AUM
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1.7% 3 1.7% 3 1.8% 3
$5.4b
$5.3b
$5.0b
1H25 2H25 1H26
Average Assets Under Management
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1. Average Net Receivable is the average of on balance sheet loans and advances before ECL provision over the reporting period..

2. Average AUM is the average of on balance sheet loans and advances before ECL provision and assets managed under the Forward Flow arrangement (which are not included on the Group’s balance sheet) over the reporting period. 3. Net Credit Loss to ANR: 1H25: 1.80%, 2H25 1.80%, 1H26: 1.95%. Net Credit loss to average AUM: 1H25: 1.68%, 2H25 1.70%, 1H26: 1.77%.

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BALANCE SHEET AND CAPITAL MANAGEMENT

Previously referred to as “ Unrestricted Cash”

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ASSETS UNDER MANAGEMENT [ 1] Previously referred to as “ Unrestricted Cash”
$2.0b $1.9b $2.0b $1.9b $1.8b
Risk & Liquidity Working & Strategic UNRESTRICTED CASH BALANCES COMPRISE:
net of Corporate Debt Growth Capital
$5.3b $5.5b $5.4b • Risk & Liquidity : $70m liquidity balance is
$5.0b $6.4m $54.1m comprised of:
$4.7b
Consumer o $40m as minimum liquidity cover, and
$2.1b $2.2b $2.0b o an additional $30m to meet the
$2.0b
CommercialForward Flow $1.9b $0.5b $0.6b $0.5b Risk Appetite$30.0m Working Capital(Rent, Wages, mandated threshold under the Group’s established corporate risk appetite established corporate risk appetite
Commercial & SettlementsOverheads...) statement (RAS).
$2.7b $3.0b $2.7b $2.7b $2.9b $30.0m
Volume [2] • Drawn Corporate Debt : $63.6m drawn at
Minimum Liquidity Forum Finance reporting date.
1H24 2H24 1H25 2H25 1H26 ` Requirement Settlement to be paid
$40.0m $19.0m • Working & Strategic Growth Capital :
EQUITY CAPITAL POSITION Strategic Growth Funds required for business operation and
Capital $5.1m to support growth, including:
$445.5m $451.6m o $30m for operating expenses such as
rent, wages, and overheads as well as
Perpetual
note fully 91¢ $411.1m $413.9m settlement of customer loans,
repaid in o $19m allocated to pay the Forum
FY25 88¢ Drawn down
Finance litigation settlement, and
$376.9m Corporate Debt
84¢ 83¢ ($63.6m) o $5.1m available to support near-term
growth in the form of capital support
under securitisation funding
77¢
structures.
1H24 2H24 1H25 2H25 1H26
3
NTA Perpetual note NTA per share (cents)
ASSETS
LIABILITIES
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• Risk & Liquidity : $70m liquidity balance is comprised of:

• mandated threshold under the Group’s established corporate risk appetite established corporate risk appetite statement (RAS).

• Drawn Corporate Debt : $63.6m drawn at reporting date.

• Working & Strategic Growth Capital : Funds required for business operation and to support growth, including:

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1. AUM comprise on-balance sheet loans and advances before ECL provision and assets managed under the Forward Flow arrangement (which are not included on the Group’s balance sheet). 2. Volume represents total Group ‘new business originations’. 3. Net Tangible Assets (NTA) represents Net Assets excluding Intangibles. $32.9m out of $37m increase in NTA from 2H25 to 1H26, is driven by the increase in the after-tax marked-to-market position of hedging instruments.

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GROWTH, EFFICIENCY AND RESILIENCE FROM TECHNOLOGY AND TRANSFORMATION INITIATIVES

TRANSFORMING OUR PLATFORMS

INFRASTRUCTURE MODERNISATION

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LENDING STATUS: OPERATE & ENHANCE CARDS STATUS: IMPLEMENTATION CUSTOMER X STATUS: IMPLEMENTATION

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TOWARDS SOFTWARE AS A SERVICE

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NEW CORE PLATFORMS

NEW DATA PLATFORM

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STATUS: IMPLEMENTATION REVENUE GROWTH AND ENHANCED CUSTOMER EXPERIENCE

MORE RELIABLE, RESILIENT AND SECURE SOFTWARE AS A SERVICE DATA CENTRE DECOMMISSIONING CLOUD INFRASTRUCTURE STATUS: IMPLEMENTATION COST SAVINGS THROUGH SIMPLIFICATION, STABILITY, RESILIENCE AND EFFICIENT PLATFORMS

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

GLOBAL STRATEGY

Targeted offshore investment continues, delivering returns in 1H26 with a balanced growth trajectory and strategic alignment to opportunities across global markets

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GLOBAL GROWTH IN VOLUME,
RECEIVABLES AND STABLE YIELD [1]
20.2%
18.6% 20.1%
$290.3m
$254.4m
$223.7m $220.7m
$168.0m $169.9m
1H25 2H25 1H26
Closing Receivables Volume Product Yield
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• `

• humm 's global growth momentum continued in 1H26.

• Volume of $220.7m up 31.4% on pcp.

• Receivables of $290.3m up 29.8% on pcp.

• Strong product yield[1] at 20.2% driven by interest yield improvement in Ireland of 250bps on pcp.

• humm Ireland profitable and positive key metrics, with Net Interest Margin expansion of 330bps on pcp and 26.6% in net receivables growth.

• humm UK volume up 55.8% and 69.3% growth in net receivables on pcp.

• Operating model reset in humm Canada to capitalise on market opportunity rendering 33.3% cost reduction on pcp. Product development and improvements targeted to capitalise on market opportunity.

• humm group’s digital platforms, service offering and technology offer a competitive advantage across growing global markets.

• humm ’s global statutory profit (after tax) has improved from a loss of $3.4m in 1H25 to a profit of $1.1m and $2.1m in 2H25 and 1H26 respectively.

• Product Yield is calculated as the sum of annualised Interest Income and annualised Fee and Other Income, divided by Average Net Receivables.

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02 FINANCIALS

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

HUMM GROUP FINANCIAL PERFORMANCE

HUMMGROUP ($M)	1H25	2H25	1H26	MVMT 1H26 vs 1H251 MVMT 1H26 vs 2H251
Interest income 285.3 281.3 280.4 Interest expense (154.7) (147.4) (146.0) Net interest income 130.6 133.9 134.4 Fee and other income 50.7 49.3 45.6 Cost of origination (19.0) (15.0) (13.4) Net operating income 162.3 168.2 166.6 Net credit losses (39.2) (49.0) (46.5) AASB9 Provision Movement 5.4 (0.3) 1.8 Operating expenses (85.1) (85.8) (95.7) Depreciation and Amortisation expenses (8.5) (10.0) (8.8) Impairment of intangibles and right-of-use assets - (8.5) - Statutory profit (before tax) 34.9 14.6 17.4 Income tax expense (7.6) (2.3) (4.6) Statutory profit (after tax) 27.3 12.3 13.9 Assets under management2 5,323.7 5,497.3 5,395.23
Assets under management2	5,323.7 5,497.3 5,395.23

PERFORMANCE ACROSS KEY METRICS

Compared to 2H25, statutory profit (after tax) is up 13.0%, driven by the absence of intangible impairments, partly offset by higher Forum Finance litigation provision and STI and LTI true up in 2H25 upon departure of former CEO and other executives and assessment of STI/LTI hurdle outcomes.

Statutory profit (after tax) of $13.9m in 1H26 is 49.1% down on pcp, reflects

• anticipated the higher credit losses in Commercial, as a result of portfolio seasoning,

• the absence of prior-period benefit of the $7.9m ECL provision release following the initial Forward Flow receivable sale, and

• higher irregular items, including the increase in the Forum Finance litigation provision following the recent Federal Court judgment.

Net interest income up 2.9% on pcp. Portfolio NIM remaining stable at 5.5% compared to pcp (5.5% in 1H25 and 5.4% in 2H25), primarily due to lower growth yield offset by margin improvement on cost of funds across the portfolio.

Net operating income up 2.6% on pcp, primarily driven by NIM. Fee and other income reduced due to portfolio mix changes and softer Consumer originations. Noting fee and origination movements largely reflect the impact of Forward Flow receivables sales, which reduced NII, increased fee income, accelerated cost of origination recognition, and removed ECL exposure on sold receivables.

Assets under management increased 1.3% on pcp but declined 1.9% vs 2H25, down $102.1m to $5.4b in 1H26. This reflects continued growth in Commercial receivables, partially offset by softness in humm AU and a negative FX impact from NZD.[3]

Positive results represent favourable movements vs the comparison period(s); negative results represent unfavourable movements vs the comparison period(s).

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1. Assets Under Management (AUM) includes $0.5b of receivables under the Forward Flow arrangement in 1H26 ($0.5b in 1H25 and $0.6b in 2H25).

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The 1H26 Closing loans and advances is lower than anticipated, due to unfavourable NZD/AUD FX impacts. Adjusting 1H26 using prior-period FX rates results in an uplift of $42.7m (pcp) and $63.7m (2H25).

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

CONSIDERATION FOR UNDERLYING PERFORMANCE

($M)	1H25	2H25	1H26
STATUTORY PROFIT AFTER TAX 27.3 12.3 13.9
NON-CASH ITEMS ($M) AFTER TAX 1H251 2H251 1H261
ECLprovision movement 3.7 (0.1) 1.3
Depreciation (0.3) (0.2) (0.2)
Amortisation of intangibles (4.8) (5.7) (4.8)
Impairment of IT development & software - (5.9) -
Total Non-cash items (1.4) (11.9) (3.7)
SPECIFIC P&L ITEMS ($M) 1H251 2H251 1H261
Legal and regulatory - 2.5 (6.1)
Long-term Incentive Plan (3.5) (0.3) (2.7)
Short-term Incentive Plan (0.9) 3.0 (1.2)
Redundancyand restructure (1.6) (1.8) (1.2)
Elevated Consumer duplicate system costs (1.6) (1.0) (1.0)
ASIC inquirylegal costs - (3.2) (0.8)
Remediation costs - (1.3) (0.5)
Onerous Contract - - 2.0
Tax benefits on above 2.3 0.6 3.5
M&A - - (1.0)
New Zealand FX Impacts - - (0.8)
R&D tax offset - 1.0 -
Total Specific P&L items (5.3) (0.5) (9.8)

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OBSERVATIONS AND COMMENTARY

• 1H26 Statutory profit (after tax) was $13.9m, down 49.1% (pcp) and up 13.0% (2H25).

• Non-cash items (after tax):

• ECL provision movement: pcp includes $7.9m (before tax) ECL derecognised following the sale of receivables under the Forward Flow arrangement.

• Impairment of IT development & software: non-cash software impairment recognised in humm AU during 2H25, due to slower than expected uptake of the humm loan product, driven by regulatory impact and platform changes.

TRANSPARENCY OF SPECIFIC ITEMS

The Board is committed to provide more information to investors on the nature of specific P&L items in the 1H26 and FY25 results, including:

• Legal and regulatory: adjustments have been made to the Forum Finance litigation provision and regulatory provision based on the best information available at reporting date.

Elevated Consumer duplicate system costs: incurred for the required maintenance and remediation of the legacy system, undertaken concurrently with the Consumer transformation roadmap.

STI and LTI: 2H25 reflected a true up arising from the departure of the former CEO and other executives, as well as the assessment of STI/LTI hurdle outcomes.

Onerous contract: $2.0m release of onerous contract provision following the renegotiation and renewal of a key supplier agreement.

• NZD FX impacts: weakening New Zealand currency had a negative impact of $0.8m on 1H26 results.

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1. Positive results represent favourable movements; negative results represent unfavourable movements.

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

COMMERCIAL

($M)	1H25	2H25	1H26	1H26 vs 1H25	1H26 vs 2H25
Net interest income 51.2 45.3 47.0 Net operating income 65.3 60.7 62.7 Credit Impairment (8.8) (22.1) (21.9) Operating expenses (15.2) (15.6) (19.5) Depreciation and Amortisation expenses (1.3) (1.8) (2.2) Income tax expense (11.6) (6.0) (5.7) Statutory Profit (after tax) 28.4 15.2 13.4 Assets under management1 3,178.4 3,345.0 3,360.32				(8.2%) 3.8%
				(4.0%) 3.3%
				LRG (0.9%)
				(28.3%) (25.0%)
				(69.2%) (22.2%)
				50.9% 5.0%
				(52.8%) (11.8%)
Assets under management1				5.7% 0.5%

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COMMERCIAL AU & NZ: VOLUME & ASSETS UNDER MANAGEMENT ($B)

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$0.8b $0.8b $0.7b
$0.5b $0.6b $0.5b
$2.7b $2.7b $2.9b
1H25 2H25 1H26
Closing loans and advances Forward Flow Volumes
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SOLID PERFORMANCE AMID SME MARKET HEADWINDS

• Commercial performance in 1H26 is more comparable to 2H25 than pcp, reflecting the timing and scale of the initial Forward Flow receivables sale and portfolio seasoning, which resulted in elevated net losses in 2H25 and 1H26 but not in the pcp.

• Net interest income increased 3.8% on 2H25 and declined 8.2% on pcp, partly due to the $495.1m Forward Flow arrangement executed in 1H25, under which net interest income was replaced by higher fee and other income. NIM remained stable at 3.4% compared with 2H25.

• Operating expenses increased, driven by investment in people capability to support growth, continued IT platform development, and higher allocations of indirect central support costs.

• As expected, net credit loss to ANR rose to 1.3%[ 3] in 1H26 as the portfolio continued to season. Consistent with prior commentary, net credit loss to ANR is anticipated to trend lower through 2H26. Longer-term loss rates remain within the target range of 1.0% to 1.1%.

• Assets under management (AUM) increased 5.7% on pcp, reflecting solid performance in the SME market, which is showing early signs of recovery amid rising competition. Portfolio performance remained resilient, supported by strong broker relationships and disciplined underwriting standards. Commercial continue to diversify across new geographies, including rural and regional markets, and through new products such as Flexi-Premium and FlexiAg.

• Assets Under Management (AUM) includes $0.5b of receivables under the Forward Flow arrangement in 1H26 ($0.5b in 1H25 and $0.6b in 2H25).

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• Net Credit Loss to ANR excludes receivables under the Forward Flow arrangement. If receivables under the Forward Flow arrangement are included, Net Credit Loss to average AUM for the period is 1.1%.

• Commercial NZ Closing loans and advances were AUD $189.5m in 1H26. Adjusting 1H26 using prior-period FX rates results in an uplift of $9.8m (pcp) and $14.8m (2H25).

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

CONSUMER

($M)	1H25	2H25	1H26		1H26 vs 1H25
Net interest income 79.4 88.6 87.4 Net operating income 97.0 107.5 103.9 Credit Impairment (25.0) (27.2) (22.8) Operating expenses (55.5) (60.1) (57.2) Depreciation and Amortisation expenses (5.7) (6.8) (5.0) Impairment of intangibles - (8.5) - Income tax expense (2.7) 0.2 (4.6) Statutory Profit (after tax) 8.1 5.1 14.3 Closing loans and advances 2,145.2 2,152.3 2,034.91					10.1% (1.4%)
					7.1% (3.3%)
					8.8% 16.2%
					(3.1%) 4.8%
					12.3% 26.5%
					- LRG
					(70.4%) LRG
					76.5% LRG
Closing loans and advances	2,145.2 2,152.3 2,034.91				(5.1%) (5.5%)

STRONG PROFIT PERFORMANCE IN CARDS AND HUMM IRELAND

• Statutory profit (after tax) of $14.3m increased 180.4% on 2H25 and 76.5% pcp, driven by strong performance in Cards NZ, Cards AU and humm Ireland.

• Operating expenses decreased 4.8% on 2H25, reflecting the reset of the Canada cost base, which delivered a $1.7m cost benefit on pcp.

• Outperformance in Cards NZ and humm Ireland was offset by softer volumes in humm AU loan offering. Lower receivables contributed to reduced credit impairment.

• Assets under management was 5.1% down on pcp, and 5.5% down vs 2H25 reflecting softness in humm AU and the negative FX impact from NZD.[1]

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LOANS AND ADVANCES ($B) 1H26 STATUTORY PROFIT (AFTER TAX) CONTRIBUTION BY PRODUCT ($M)
$2.5b
$2.4b $1.2b $1.1b $1.1b
$1.1m
$2.3b $3.1m
$2.2b $6.9m ($1.6m)
$14.3m
$2.1b
($3.2m)
$2.0b
INVESTMENT PHASE
$1.9b $8.0m $4.8m
$1.8b $2.1b $2.2b
$2.0b
$1.7b
$1.6b
$1.5b
1H25 2H25 1H26
Cards NZ humm IRE Cards AU humm AU humm UK humm CA Total Consumer
Closing loans and advances Volumes
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1. The 1H26 Closing loans and advances is lower than anticipated, due to unfavourable NZD/AUD FX impacts. Adjusting 1H26 using prior-period FX rates results in an uplift of $39.2m (pcp) and $48.0m (2H25).

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15 15

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

CORPORATE

($M)	1H25	2H25	1H26		1H26 vs 1H25	1H26 vs 2H25
Operating expenses (14.4) (10.1) (19.0) Depreciation and Amortisation expenses (1.5) (1.4) (1.6) Income tax benefit 6.7 3.5 6.8 Statutory loss (after tax) (9.2) (8.0) (13.8)					(31.9%) (88.1%)
					(6.7%) (14.3%)
					1.5% 94.3%
					(50.0%) (72.5%)

CORPORATE SEGMENT

• At full financial year 2025, the Group announced an internal reporting restructure, creating a new segment, Corporate. It includes functions such as finance, legal, HR and strategy.

• The restatement of 1H25 to accommodate the new Corporate segment had no impact on humm group’s consolidated results.

• Operating expenses include payroll costs, professional fees, insurance and occupancy costs and technology costs.

• The introduction of the Corporate segment enhances transparency of the underlying business segment performance, by separating shared

• ` costs and irregular items, particularly in 1H26.[1 ]

STATUTORY PROFIT (AFTER TAX) BY SEGMENT ($M)

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$14.3m
$13.4m $13.9m
($13.8m)
Commercial Consumer Corporate Group
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• Statutory loss (after tax) was a loss of $13.8m in 1H26, up 50.1% on pcp, primarily driven by higher operating expenses ( 31.9% up on pcp).

• The higher 1H26 loss was primarily driven by an increased provision for the Forum Finance litigation following a recent Federal Court ruling. Other irregular items included elevated legal and regulatory costs and M&A-related expenses, partly offset by release of onerous contract provision following the renegotiation and renewal of a key supplier agreement.

• Refer to the Appendices for Operating Expenses walkdown.

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16 16

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

CREDIT RISK MANAGEMENT

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1H26 1H26
NET CREDIT LOSS
NET CREDIT LOSS [1] TO ANR 1H25 2H25 1H26 vs 1H25 vs 2H25
Commercial 0.9% 1.1% 1.3% [2] (45bps) (20bps) • Group net credit loss to ANR increased 15bps to 2.0% [2] from 2H25.
• As anticipated, and previously communicated, Commercial net credit loss to
PosPP 2.4% 2.3% 2.5% (10bps) (15bps)
ANR increased to 1.3% [2] as the receivables book seasoned following higher
AU Cards 3.5% 2.7% 2.4% 115bps 35bps
volume growth in prior periods. Elevated losses have peaked in 1H26 and are
NZ Cards 3.4% 3.4% 3.6% (15bps) (15bps) anticipated to reduce from 2H26.
Consumer 2.5% 2.7% 2.8% (30bps) (5bps) • Consumer net loss to ANR increased 5bps to 2.8% from 2H25, with higher
Group 1.8% 1.8% 2.0% [2] (15bps) (15bps) losses in humm AU and Cards NZ offset by improved Cards AU performance
Balance Sheet Provision Coverage [3] 2.6% 2.6% 2.5% 10bps 10bps following credit scorecard optimisation in prior years.
`
COMMERCIAL CREDIT QUALITY OVER TIME CONSUMER AU [5] & CARDS NZ CREDIT QUALITY OVER TIME COVERAGE RATIO
Better Credit worthiness rated from 10 (Lowest) to 1 (Highest) [ 4] Credit worthiness rated from 0 (Lowest) to 1,200 (Highest) [ 4]
2.70 750 • Balance sheet coverage reduced by
2.80 IMPROVED CREDIT QUALITY 740 IMPROVED CREDIT QUALITY 10bps as Consumer credit quality
2.90 IN COMMERCIAL BUSINESS 730 IN CONSUMER AU & NZ BUSINESS
3.00 720 improved.
710
3.10
700 • Balance sheet coverage of 2.5% exceeds
3.20
690
3.30 680 actual losses of 2.0% by 50bps as at 31
3.40
670 December 2025.
3.50 660
3.60 650
Weaker
Sept-… Sept-…
Jul-2024 Aug-2024 Sept-2024 Oct-2024 Nov-2024 Dec-2024 Jan-2025 Feb-2025 Mar-2025 Apr-2025 May-2025 Jun-2025 Jul-2025 Aug-2025 Sept-2025 Oct-2025 Nov-2025 Dec-2025 Jul-2024 Aug-2024 Oct-2024 Nov-2024 Dec-2024 Jan-2025 Feb-2025 Mar-2025 Apr-2025 May-2025 Jun-2025 Jul-2025 Aug-2025 Oct-2025 Nov-2025 Dec-2025
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1. Net Credit Loss includes Bad Debts and Loss Recoveries.

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1. Net Credit Loss to ANR presented excludes receivables subject to the Forward Flow arrangement. If receivables under the Forward Flow arrangement are included, Net Credit Loss to average AUM for the period is 1.8% for Group and 1.1% for Commercial. Net Credit Loss to ANR is expected to align across the Group platform and balance sheet over time as the Forward Flow arrangement seasons. 3. Balance sheet provision coverage represents credit provision over ANR.

2. Credit worthiness rating is based on Commercial internal rating system; Consumer AU & Cards NZ credit worthiness rating is based on Illion Credit Score (independent bureau service provider). 5. Consumer AU comprises humm AU and Cards AU portfolios.

17 17

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

DIFFERENTIATED FUNDING PLATFORM

STRENGTH IN FUNDING PLATFORM RELATIVE TO COMPETITORS

• Diversified funding base with mix of warehouse funding, mezzanine funding, private placements, term deals and forward flow.

• Support from a range of top Australian and Global wholesale and institutional investors across the Group’s warehouse facilities and its asset-backed securitisation programs, in both public and private format.

• Corporate debt facility available to fund assets and working capital.

FORWARD FLOW ARRANGEMENT DELIVERS NEW REVENUE STREAMS WITH A CAPITAL LIGHT FOOTPRINT

	CAPITAL REQUIRED	COST OF FUNDS	ABILITY TO GROW
Warehouse ~7% Higher Limited by Equity Capital
Term Deal 2-6% Lower Limited by Equity Capital
Forward Flow Nil		Lower Not Limited by Equity Capital

`

ADJUSTED CAPACITY TO FUND THE PORTFOLIO ($B)

CAPITAL DEPLOYED TO FUND COST-EFFECTIVE GROWTH

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11.3% 10.9% 10.6% 9.6% 10.2% $6.5b $6.9b 2
$0.4b $5.9b
$0.5b
$1.2b
$0.9b $0.7b
$0.5b $0.6b $0.5b
$4.7b $5.0b $5.3b $5.5b $5.4b $4.6b $4.7b $4.7b balancedrawn $5.2b drawn $5.2b $5.2b
1H24 2H24 1H25 2H25 1H26 1H25 2H25 1H26
1
Assets under management Capital Efficiency Drawn Balance Forward Flow Drawn Undrawn Balance Forward Flow Undrawn
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11.3% 10.9% 10.6% 9.6% 10.2% $6.5b $6.9b 2
$0.4b $5.9b
$0.5b
$1.2b
$0.9b $0.7b
$0.5b $0.6b $0.5b
$4.7b $5.0b $5.3b $5.5b $5.4b $4.6b $4.7b $4.7b balancedrawn $5.2b drawn $5.2b $5.2b
1H24 2H24 1H25 2H25 1H26 1H25 2H25 1H26
1
Assets under management Capital Efficiency Drawn Balance Forward Flow Drawn Undrawn Balance Forward Flow Undrawn
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1. Capital efficiency for the period is calculated as (Statutory Equity/Tangible Assets).

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1. The $5.9b reported at balance-sheet date excludes the additional $0.5b Forward Flow capacity effective from January 2026.

18 18

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

03 SUMMARY

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19

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

WELL-POSITIONED FOR 2026 AND BEYOND

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CONFIDENCE
STRONG CLEAR IMPROVING
FOR THE
FOUNDATIONS MOMENTUM OUTLOOK
FUTURE
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20

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

04 APPENDICES

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1H26 INTERIM RESULTS // 11 FEBRUARY 2026

TO BE THE PROVIDER OF FINANCE FOR BIGGER PURCHASES

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CONSUMER FINANCE
ANZ leading provider Leading Point of Sale
POSITIONING
of specialist asset finance finance
CORE EXPERTISE
ASSETS UNDER MANAGEMENT $3.4b $2.0b
>> Instant credit decisioning
Construction // Engineering // Health // Retail //
VERTICALS/INDUSTRIES
Agriculture >> Continual credit improvements driven by ` Solar // Home // Travel
data and scale
SMEs looking to borrow Families aged 35+
CUSTOMER PROFILE
for tools of trade >> Collections strategy and management Homeowners
$ATV [1] $147,000 >> Diversified funding capability $3,700
to gain competitive advantage
STATUTORY PROFIT AFTER TAX $13.4m and improve capital efficiency $14.3m
NET LOSS/ANR 1.3% 2.8%
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1. Average Transaction Value (ATV) for Consumer includes humm AU, NZ Cards LTIF and AU Cards LTIF.

22

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

EXPENDITURE - CAPABILITY INVESTMENT & IRREGULAR ITEMS

OPERATING EXPENSES ($M)1	1H25	2H25	1H26		1H26 vs 1H25	1H26 vs 2H25
Marketing 5.1 5.4 5.2 Employment 46.4 45.1 48.6 Professional and outsourced operations 10.1 13.9 12.1 Information technology and communication 16.7 17.0 17.5 Insurance and other occupancy 4.0 3.9 3.2 Other expenses 2.8 0.5 9.6 Operating Expenses2 85.1 85.8 95.7					(2.0%) 3.7%
					(4.7%) (7.8%)
					(19.8%) 12.9%
					(4.8%) (2.9%)
					20.0% 17.9%
					LRG LRG
Operating Expenses2					(12.5%) (11.5%)

OPERATING EXPENSES

• CTI increasing from 52.4% in 1H25 to 57.4% in 1H26, driven primarily by $8.3m of irregular costs related to the Forum Finance litigation, ASIC and remediation activities, and investment in Commercial team capability to drive growth and platform development.

• Elevated IT expenditure from duplicate systems costs in the Consumer business and platform development in Commercial.

• Offset by $1.7m saving on pcp in Canada, following restructure and rightsizing.

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`
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OPEX BRIDGE FROM PCP TO 1H26
$8.3m $95.7m
$3.2m ($1.7m) $0.8m
$85.1m
1H25 Inflation Canada Third-party Irregular 1H26
costs Items
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TOTAL PRE-TAX IT SPEND – EXPENSED & CAPITALISED
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$38.2m
$35.9m
$34.6m
$11.0m
$11.1m $9.0m
$24.9m $25.7m $27.3m
1H25 2H25 1H26
Opex Capex
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1. For ease of comprehension, Operating Expenses on this slide are presented as positive amounts, whereas they are shown as negatives throughout this document. 2. Total Operating Expenses (excluding depreciation and amortisation).

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23 23

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

OPTIMISING CAPITAL FOR GROWTH

ASSET GROWTH COMPARED TO CONTRIBUTED EQUITY

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$5.5b
$5.4b
15.0%
11.6%
$5.0b
$4.9b $4.9b
9.0%
$4.3b 8.5%
7.7%
$3.3b
$508m $512m $499m
$445m $453m
FY22 FY23 FY24 FY25 1H26
Total Share Capital 1 AUM Net receivables 3 Leverage Ratio (NTA/Net Receivables)
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OPTIMISING CAPITAL TO SUSTAIN GROWTH

• Disciplined capital management has supported balance sheet strength, delivered growth, earnings capacity, and lowered risk.

• AUM has increased by $2.1bn (from $3.3bn in FY22 to $5.4bn in 1H26), while Total Share Capital declined following the repayment of the Perpetual note in FY25.

• An increased-leverage strategy enabled $2.1bn of receivables growth to be funded without raising additional equity. Higher receivables per share translate into greater earnings generated per ‘at-risk’ dollar of contributed equity.

• Once target leverage is reached, further scaling requires either:

• ` • Additional equity, which would be dilutive; or

• A capital-light Forward Flow program, which is the preferred approach.

FORWARD FLOW DEPLOYMENT

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$5.5b
$5.4b
$5.3b
$5.0b Forward Flow
$4.7b arrangement
$5.0b
$4.9b $4.9b $4.9b
$28m
$35m $30m
$508m $499m
$475m
$445m $453m
1H24 2H24 1H25 2H25 1H26
Total Share Capital 1 Equity Capital Saved 2 AUM Net receivables 3
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• Forward Flow arrangements are deployed to remove capital constraints during periods of accelerated growth or market volatility. They generate fee income per share with no incremental risk exposure, optimise shareholder capital, reduce risk, and enhance EPS-style economics without dilution.

• Without a Forward Flow arrangement, the additional equity required to fund on-balance-sheet growth is estimated at approximately $30m in 1H26, $35m in 2H25, and $28m in 1H25[ 2] .

• Total share capital is contributed equity.

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1. Equity Capital Saved is additional capital requirement that would have been needed to support on-balance sheet growth without the Forward Flow arrangement (assumed funding requirement of 6.00% of the receivables balance within the Forward Flow arrangement).

2. Net Receivables is the ending balance of receivables before bad debt and provision.

24

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

COMMERCIAL

STRONG CREDIT QUALITY & ASSET DIVERSIFICATION

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ASSET CATEGORY SECTOR CONCENTRATION GEOGRAPHICAL CONCENTRATION DIVERSE CUSTOMER BASE
`
WEIGHTED AVERAGE CREDIT RISK RATING BROAD BASED EXPOSURE AND DIVERSIFICATION
Credit worthiness rated from 10 (Lowest) to 1 (Highest) [ 1]
• Weighted average credit score continues to improve, particularly in recent vintages.
IMPROVED CREDIT QUALITY
3 • Well diversified portfolio with low customer and asset concentration risks.
4 • “Tools of trade" assets with strong retained value and strong knowledge of secondary resale
market
5
• Portfolio experiencing seasoning of losses after step change growth over last 24 months and given
6 challenging economic environment.
7 • Recovery rates improving due to strong customer profiles, however this can lengthen the recovery
cycle.
Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Jun-23 Dec-23 Jun-24 Dec-24 Jun-25 Dec-25 • Well established risk models built on years of 'through the cycle' SME market experience.
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1. Credit worthiness rating is based on Commercial internal rating system.

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25

1H26 INTERIM RESULTS // 11 FEBRUARY 2026

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THANK YOU

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26