RESIMAC GROUP LTD — AGM Information 2025

Nov 17, 2025

1300 764 447 | resimac.com.au PO Box H284, Australia Square NSW 1215

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18 November 2025

ASX RELEASE

Resimac Group Ltd – 2025 Annual General Meeting CEO’s Address

Resimac Group Ltd (ASX:RMC) (“the Group”) provides the attached address to be delivered by the Resimac CEO, Pete Lirantzis, to shareholders at the Annual General Meeting.

ENDS.

Peter Fitzpatrick , Company Secretary | 02 9248 0304

This release was authorised by the Resimac Group Company Secretary.

About Resimac Group

Resimac Group Ltd (‘Resimac Group’) is a leading non-bank lender and multi-channel business. Its fully integrated business model comprises originating, servicing and funding prime, non-conforming residential mortgages and asset finance products. With over 300 people operating across Australia, New Zealand and the Philippines, Resimac Group has in excess of 155,000 customers with a portfolio of home loans on balance sheet of over $13 billion, an asset finance portfolio of over $2.5 billion, and total assets under management of almost $16 billion.

Resimac Group has issued almost $50 billion in bonds in domestic and global markets since 1987. It has access to a diversified funding platform with multiple warehouse lines provided by domestic and offshore banks for short-term funding in addition to a global securitisation program to fund its assets longer term.

Resimac Group Ltd ABN 55 095 034 003 Australian Credit Licence 247829

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CEO’s Address

RESIMAC GROUP LTD – 2025 ANNUAL GENERAL MEETING

Good morning, everyone. Like Wayne, I’m pleased to welcome you all to Resimac Group’s Annual General Meeting.

share our growth plans.

FY25 Performance

reflecting continued growth and improvement in key areas.

We diversified our existing auto o�ering, by acquiring the $1.5 billion Westpac portfolio in March. This contributed $4.5million to our operating profit and added an additional 100,000 customers.

We also experienced relatively strong organic growth in our core revenue generator, residential mortgages.

outlined

• $78.6 million, while Return on Equity improved to 12.5% in the second half of FY25.

• Mortgage settlements grew 14%, lifting assets under management to $13.4 billion. Meanwhile, asset finance AUM rose by 27% to $1.4 billion.

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In achieving these results, our settlements in home loans grew to $4.9 billion.

• Within our home loans business, we are investing in new technologies and process improvements, that will unlock greater e�iciencies and embed intelligent lending capabilities within our workflows. This will enable our key revenue generator to continue fuelling our long-term growth and business diversification.

• We continue to take a cautious approach to the SME sector, and we’ve responded by refining our credit models and strengthening collections and recoveries capabilities.

• These enhancements will continue into FY26 as we pursue disciplined, sustainable growth, ensuring these o�erings are primed for scale in the future.

For both product lines, our focus is on improving broker engagement, reducing turnaround times and enhancing our technology capability to drive faster, smarter and better decisions.

These are critical levers for improving the broker and customer experience.

Importantly, our funding and capital costs have supported us throughout the reporting period, and Resimac continues to maintain significant capacity for AUM growth.

Our Funding strength underpins future growth

Over the past year, Resimac has executed multiple benchmark securitisation transactions, totalling $4.3 billion in Prime and NonConforming RMBS securities.

These issuances attracted strong real-money investor participation from both domestic and o�shore accounts, reflecting the market’s trust in our credit quality and operational strength.

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In total, Resimac has now issued over $50 billion in public securitisation since our inception, reinforcing our position as one of Australia’s most consistent and reliable non-bank lenders.

increased aggregate funding limits, now exceeding $10bn that ensures we are well positioned to support continued growth across both mortgage and asset finance portfolios.

Strengthening Leadership and Strategy

Since stepping into the CEO role, I’ve worked closely with the Board and our leadership team to refine our strategy and strengthen our capabilities.

We’ve refreshed our senior leadership across key areas including Operations, Credit, Technology, Product, Sales and Distribution.

This new talent is helping us lift performance, accelerate innovation and improve how we serve brokers and customers.

Our Purpose and Customer Focus

Our purpose remains clear. We lend for life and business essentials.

We are here to unlock new lending possibilities for our customers and expand the product suite on o�er for our brokers.

people live in, and the assets that help businesses operate and grow.

This purpose is what drives our decisions and shapes our future.

how far we have come.

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During that time, we’ve built a strong reputation as an experienced mortgage lender, while expanding our o�erings to include complementary lending products such as car and commercial asset finance.

Strategic focus for FY26

Looking ahead, we are pursuing a strategy centred on an e�icient “back to the core” intelligent lending.

In a competitive landscape where agility and insights are paramount, I firmly believe that lenders equipped with superior lending intelligence and an unwavering focus on e�iciency will emerge as the true winners.

This philosophy underpins everything we do, and it's what drives our commitment to delivering sustainable value for you, our shareholders.

As we navigate the opportunities and challenges ahead, our strategy is anchored in a clear five-point plan designed to propel long-term growth, enhance operational excellence, and strengthen our market position:

1. Invest in our key revenue generator, the mortgage portfolio for long term growth

2. Embracing AI for smarter decisioning, e�iciency, productivity gains and value creation

3. Improving broker and customer experience to deepen relationships

5. Embedding a high-performance culture to maintain, attract and foster the right mindsets and behaviours in our people.

sustained success in a dynamic market.

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We are already experiencing positive outcomes from these initiatives, supported by a strong dedication to security, compliance, and governance, with a strong funding capacity, and disciplined liability management, we are well positioned to drive further growth and e�iciencies.

Acknowledgements

In closing …

I want to acknowledge the e�orts of our management team, employees and corporate partners. Your dedication has helped us turn challenges into opportunities and laid a solid foundation for what’s ahead.

I would also like to thank our brokers, business partners and customers for their loyalty through the year, we are grateful for your support.

To our shareholders, thank you for your continued support. Your trust empowers us to evolve, innovate and grow.

continued support and guidance. I look forward to partnering closely with our Chair, Wayne Spanner, as we strive to further advance Resimac.

We're moving in a promising direction, and the possibilities before us are genuinely exciting.

It's an honour to start this journey with you, I look forward to collaborating, as we pursue new opportunities and drive our company towards future success.

Thank you.

Pete Lirantzis - CEO

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