RESIMAC GROUP LTD

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Appendix 4E (rule 4.3A)

Preliminary final report for the year ended 30 June 2025

ABN: 55 095 034 003 ASX CODE: RMC

RESIMAC GROUP LTD AND ITS CONTROLLED ENTITIES

APPENDIX 4E (rule 4.3A)

PRELIMINARY FINAL REPORT FOR THE YEAR ENDED 30 JUNE 2025

RESULTS FOR ANNOUNCEMENT TO THE MARKET

(All comparisons to year ended 30 June 2024) Revenue from ordinary activities Profit from ordinary activities after tax attributable to members Net comprehensive income for the year attributable to members DIVIDENDS	FY25 $’000	Up/ down Movement from FY24 % Up 7% Down (0%) Down (7%) Amount per share (cents) Franked amount per share (cents) 3.50 3.50 3.50 3.50 12.00 12.00 19.00 19.00 3.50 3.50 3.50 3.50 7.00 7.00 5 September 2025 19 September 2025

	1,077,747
	34,584
	29,217

Final FY25 dividend declared (28 August 2024) Interim FY25 dividend paid (21 March 2025) Special dividendpaid(23 June 2025)

Previous corresponding period: Final FY24 dividend declared (28 August 2024) Interim FY24 dividend paid (24 March 2024)

Record date for determining entitlements to the dividend Date the final dividend is payable

Dividend Reinvestment Plan

The Company’s Dividend Reinvestment Plan (DRP) was suspended in April 2022 and does not apply to the FY25 interim and final dividend payments.

RESIMAC GROUP LTD REPORT 2025 2

RESIMAC GROUP LTD AND ITS CONTROLLED ENTITIES

APPENDIX 4E (rule 4.3A)

PRELIMINARY FINAL REPORT FOR THE YEAR ENDED 30 JUNE 2025

1) Previous corresponding period

The previous corresponding period is the year ended 30 June 2024.

2) Net tangible assets per share

Net tangible assets per share is $0.60 (FY24: $0.80).

3) Explanation of results

This information should be read in conjunction with any public announcements made in the period by the Group in accordance with the continuous disclosure requirements of the Corporations Act 2001 and the ASX Listing Rules.

The information provided in this report contains all the information required by ASX Listing rule 4.3A.

Normalised earnings

To reflect the Group’s normalised earnings, the net profit after tax (NPAT) has been adjusted to remove non-recurring costs and one-off gains/losses, as per below:

Statutory NPAT Dividend income from listed equity investment Fair value gains on unlisted equity investment Gain on modification of office lease Office lease make good provision Other net cost - professional fees and restructuring cost Unrecoverable GST payable Tax effect of normalised items Normalised NPAT	FY25 $’000
	34,584
	(384)
	(1,290)
	(1,592)
	373
	4,835
	1,200
	(943)
	36,783

FY25 normalised NPAT excluding fair value gains/losses on derivatives (net of tax) is $39,687,000.

4) Details of entities over which control has been gained or lost during the year

Gained : None

Lost : None

5) Details of associates and joint venture entities

The company does not have any associates or joint venture entities during the year.

6) Set of accounting standards used for foreign entities in compiling this report

The foreign entities of the Group comply with Australian Accounting Standards (AASB).

7) Audit

This report is based on the financial report audited by Deloitte Touche Tohmatsu.

RESIMAC GROUP LTD REPORT 2025 3

RESIMAC GROUP LTD AND ITS CONTROLLED ENTITIES

APPENDIX 4E (rule 4.3A)

PRELIMINARY FINAL REPORT FOR THE YEAR ENDED 30 JUNE 2025

8) Commentary on results for the year

Commentary on results for the year are contained in the ASX release accompanying this statement.

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Wayne Spanner

Chairman

Sydney 27 August 2025

RESIMAC GROUP LTD REPORT 2025 4

RESIMAC GROUP LTD AND ITS CONTROLLED ENTITIES

APPENDIX 4E (rule 4.3A)

PRELIMINARY FINAL REPORT FOR THE YEAR ENDED 30 JUNE 2025

Financial statements

Consolidated statement of profit or loss	6
Consolidated statement of comprehensive income	7
Consolidated statement of financial position	8
Consolidated statement of changes in equity	9
Consolidated statement of cash flows	11
Notes to the consolidated financial statements
Segment information	12
Key numbers
1. Revenue	14
2. Expenses	15
3. Cash and cash equivalents	16
4. Loans and advances	16
5. Derivatives	16
6. Interest-bearing liabilities	17
7. Other financial liabilities	17
Capital
8. Earnings per share	18
Other
9. Subsequent events	19

RESIMAC GROUP LTD REPORT 2025 5

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF PROFIT OR LOSS FOR THE YEAR ENDED 30 JUNE 2025

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	FY25	FY24
Note	$’000	$’000

Interest income 1 Interest expense 2 Net interest income Fee and commission income 1 Fee and commission expense 2 Fair value gains on derivatives 1 Fair value losses on derivatives 2 Fair value gains on unlisted equity investment 1 Other income 1 Employee benefits expense 2 Other expenses 2 Loan impairment expense 2 Profit before tax Income tax expense PROFIT AFTER TAX Attributable to: Owners of the parent Non-controllinginterest	1,057,994	995,320
	(887,484)	(835,730)
	170,510	159,590

	15,359	6,598
	(16,488)	(16,053)
	-	426
	(4,115)	(12,081)
	1,290	-
	3,104	4,334
	(56,661)	(51,881)
	(41,711)	(29,220)
	(22,560)	(11,602)
	48,728	50,111
	(14,144)	(15,320)
	34,584	34,791


	34,584	34,590
	-	201
	34,584	34,791

RESIMAC GROUP LTD REPORT 2025 6

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 30 JUNE 2025

	FY25	FY24
Note	$’000	$’000

PROFIT AFTER TAX Other comprehensive income/(expense), net of income tax *Items that will not be reclassified subsequently to profit or loss:* Realised gain/loss on equity investment in listed companies through OCI, net of tax *Items that may be reclassified subsequently to profit or loss:* Changes in fair value of cash flow hedges Tax effect Currencytranslation differences Other comprehensive expense, net of tax TOTAL COMPREHENSIVE INCOME FOR THE YEAR Attributable to: Owners of the parent Non-controllinginterest Earnings per share Basic 8 Diluted 8		34,791 (2,382) (728) 205 (219)
	34,584



	6,432


	(17,863)
	5,321
	743
	(5,367)	(3,124)

	29,217	31,667
		31,466 201

	29,217
	-
	29,217	31,667
	FY25 cents per share	FY24 cents per share
		8.65 8.64

	8.67
	8.63

RESIMAC GROUP LTD REPORT 2025 7

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 JUNE 2025

	FY25	FY24
Note	$'000	$'000
ASSETS Cash and cash equivalents 3 Trade and other receivables Current tax receivable Loans and advances 4 Contract assets Other financial assets Derivative financial assets 5 Right-of-use assets Plant and equipment Other assets Deferred tax assets Goodwill and intangible assets LIABILITIES Trade and other payables Current tax payable Interest-bearing liabilities 6 Lease liabilities Other financial liabilities 7 Derivative financial liabilities 5 Other liabilities Provisions NET ASSETS EQUITY Share capital Reverse acquisition reserve Total issued capital Reserves Retained earnings Equity attributable to owners of the parent Non-controllinginterest		870,999 5,061 6,309 14,097,505 9,569 18,655 47,597 5,554 735 870 3,472 28,379

	775,737
	4,933
	-
	15,975,308
	7,638
	4,800
	25,569
	13,307
	406
	780
	15,154
	32,917
	16,856,549	15,094,705
		27,192 - 14,415,581 7,368 85,864 135,639 596 6,104

	26,648
	4,009
	16,296,205
	13,266
	89,810
	54,786
	520
	6,157
	16,491,401	14,678,344

	365,148	416,361
		173,916 (61,541)

	170,522
	(61,541)
	108,981	112,375 (23,686) 327,361
	(30,437)
	286,505
	365,049	416,050 311
	99
	365,148	416,361

RESIMAC GROUP LTD REPORT 2025 8

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 30 JUNE 2025

Balance as at 1 July 2024 Profit for the year Other comprehensive income, net of income tax Total comprehensive income for the year Transactions with owners in their capacity as owners Acquisition of non-controlling interest Share buyback Issuance of shares Equity dividends Treasury shares Share-basedpayments Balance at 30 June 2025	Share capital Reverse acquisition reserve1 Total issued capital Reserves2 Retained earnings Attributable to owners of the parent Non- controlling interest Total
	$’000 $’000 $’000 $’000 $’000 $’000 $’000 $’000
	173,916 (61,541) 112,375 (23,686) 327,361 416,050 311 416,361

	- - - - 34,584 34,584 - 34,584
	- - - (5,367) - (5,367) - (5,367)
	- - - (5,367) 34,584 29,217 - 29,217


	- - - (1,210) - (1,210) (212) (1,422)
	(4,070) - (4,070) - - (4,070) - (4,070)
	261 - 261 - - 261 - 261
	- - - - (75,440) (75,440) - (75,440)
	415 - 415 - - 415 - 415
	- - - (174) - (174) - (174)
	170,522 (61,541) 108,981 (30,437) 286,505 365,049 99 365,148

As a result of reverse acquisition accounting on the Resimac/Homeloan merger, an equity account was created as a component of equity. This account called ‘Reverse acquisition reserve’ is similar in nature to share capital. The Reverse acquisition reserve is not available for distribution.
Comprises cash flow hedge reserve, foreign currency translation reserve, fair value reserve, share-based payments reserve and other reserves.

RESIMAC GROUP LTD REPORT 2025 9

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 30 JUNE 2025

Balance as at 1 July 2023 Profit for the year Other comprehensive income, net of income tax Total comprehensive income for the year Transactions with owners in their capacity as owners Share buyback Equity dividends Treasury shares Share-basedpayments Balance at 30 June 2024	Share capital Reverse acquisition reserve1 Total issued capital Reserves2 Retained earnings Attributable to owners of the parent Non- controlling interest Total
	$’000 $’000 $’000 $’000 $’000 $’000 $’000 $’000
	173,531 (61,541) 111,990 (19,589) 322,872 415,273 110 415,383

	- - - - 34,590 34,590 201 34,791
	- - - (3,124) - (3,124) - (3,124)
	- - - (3,124) 34,590 31,466 201 31,667


	(1,475) - (1,475) - - (1,475) - (1,475)
	- - - - (30,101) (30,101) - (30,101)
	1,860 - 1,860 - - 1,860 - 1,860
	- - - (973) - (973) - (973)
	173,916 (61,541) 112,375 (23,686) 327,361 416,050 311 416,361

As a result of reverse acquisition accounting on the Resimac/Homeloan merger, an equity account was created as a component of equity. This account called ‘Reverse acquisition reserve’ is similar in nature to share capital. The Reverse acquisition reserve is not available for distribution.
Comprises cash flow hedge reserve, foreign currency translation reserve, fair value reserve, share-based payments reserve and other reserves.

RESIMAC GROUP LTD REPORT 2025 10

FINANCIAL STATEMENTS

CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 30 JUNE 2025

	FY25	FY24
Note	$'000	$'000

Cash flows from operating activities Interest received Interest paid Receipts from loan fees and other income Payments to suppliers and employees (Payments)/receipts of net loans to/from borrowers Income taxpaid Net cash used in operating activities Cash flows from investing activities Net payment for plant and equipment Payment for acquisition of loan portfolio/subsidiary Cash acquired on acquisition of subsidiary Payments for new investments Proceeds on disposal of investments Dividend income from listed equityinvestments Net cash used in investing activities Cash flows from financing activities Proceeds from borrowings Repayment of borrowings Proceeds from exercise of options Payment of lease liabilities Swap receipts (Draw down)/repayment of loan to related party Payment of dividends Payment for share buybacks Payments for acquisition of treasury shares Proceeds from issuance of shares Net cash from/(used in) financing activities Net decrease in cash and cash equivalents Cash and cash equivalents at the beginning of the financial year (1 July) Effects of exchange rate changes on cash balances held in foreign currencies Cash and cash equivalents at end ofyear 3		1,036,123 (834,680) 28,715 (168,888) (152,967) (15,764)
	1,098,026
	(886,847)
	25,218
	(181,780)
	(472,068)
	(13,658)
	(431,109)	(107,461)
		(68) (14,799) 6,773 (1,471) - 277

	(176)
	(1,420,937)
	216
	(1,989)
	8,480
	269
	(1,414,137)	(9,288)
		11,245,868 (11,334,096) 702 (1,852) 15,156 8,000 (30,101) (1,475) - -

	12,213,542
	(10,408,306)
	829
	(1,375)
	5,464
	(10,995)
	(44,872)
	(4,070)
	(1,024)
	261
	1,749,454	(97,798)
		(214,547) 1,085,417 129
	(95,792)
	870,999
	530
	775,737	870,999

RESIMAC GROUP LTD REPORT 2025 11

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS SEGMENT INFORMATION FOR THE YEAR ENDED 30 JUNE 2025

The following is an analysis of the Group’s revenue and results by reportable operating segments:

HOME LOAN LENDING FY25 FY24 $'000 $'000 875,502 855,334 875,502 855,334 *800,540* 793,315 (1,765) (9,786) (746,616) (727,627) (2,397) (2,196) 5,505 5,291 (9,045) (10,777) 46,222 48,220	NEW ZEALAND LENDING FY25 FY24 $'000 $'000 38,226 53,158 38,226 53,158 *35,547* 47,753 (1,181) (3,168) (31,309) (45,625) (64) (83) (2,707) (467) (490) (828) (204) (2,418)	ASSET FINANCE LENDING FY25 FY24 $'000 $'000 164,018 94,522 164,018 94,522 *145,646* 82,305 (1,169) 873 (109,559) (62,478) (524) (1) (25,358) (12,763) (6,326) (3,627) 2,710 4,309	CONSOLIDATED	CONSOLIDATED
FY25 $'000	FY25 $'000	FY25 $'000	FY25 $'000	FY24 $'000 1,003,015 1,003,015 923,373 (12,081) (835,730) (2,280) (7,939) (15,232) 50,111 (15,320) 34,791

875,502	38,226	164,018	1,077,747
875,502	38,226	164,018	1,077,747

*800,540*	*35,547*	*145,646*	*981,733*
(1,765)	(1,181)	(1,169)	(4,115)
(746,616)	(31,309)	(109,559)	(887,484)
(2,397)	(64)	(524)	(2,985)
5,505	(2,707)	(25,358)	(22,560)
(9,045)	(490)	(6,326)	(15,861)
46,222	(204)	2,710	48,728
			(14,144)
			34,584

Income tax expense is grouped on a consolidated basis, not by reportable operating segment.

RESIMAC GROUP LTD REPORT 2025 12

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS SEGMENT INFORMATION FOR THE YEAR ENDED 30 JUNE 2025

The following is an analysis of the Group’s assets and liabilities by reportable operating segment:

HOME LOAN LENDING FY25 FY24 $'000$'000 13,720,238 13,302,511 13,720,238 13,302,511 (13,457,795) (12,950,325) 262,443 352,186	NEW ZEALAND LENDING FY25 FY24 $'000$'000 437,726 634,641 437,726 634,641 (411,986) (584,503) 25,740 50,138	CONSOLIDATED
FY25 $'000	FY25 $'000	FY25 FY24 $'000 $'000
		16,841,395 15,084,924
13,720,238	437,726
13,720,238	437,726	16,841,595 15,084,924
		(16,487,392) (14,678,344)
(13,457,795)	(411,986)
262,443	25,740	354,003 406,580 15,154 9,781 (4,009) -


		365,148 416,361

Tax assets and liabilities are grouped on a consolidated basis, not by reportable operating segment.

RESIMAC GROUP LTD REPORT 2025 13

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS KEY NUMBERS FOR THE YEAR ENDED 30 JUNE 2025

1. Revenue

HOME LOAN LENDING FY25 FY24 $'000 $'000 (4) (31) 1,560 29 4,223 2,595 5,779 2,593 5,779 2,593 5,779 2,593 865,589 852,057 1,290 - - 426 2,845 259 875,503 855,334	NEW ZEALAND LENDING FY25 FY24 $'000 $'000 - - - - 474 481 474 481 474 481 474 481 37,821 52,665 - - - (69) 12 38,226 53,158	ASSET FINANCE LENDING FY25 FY24 $'000 $'000 189 143 - - 8,917 3,381 9,106 3,524 9,106 3,524 9,106 3,524 154,584 90,598 - - - - 328 400 164,018 94,522	CONSOLIDATED	CONSOLIDATED
FY25 $'000	FY25 $'000	FY25 $'000	FY25 $'000	FY24 $'000
				112 29 6,457

(4)	-	189	185
1,560	-	-	1,560
4,223	474	8,917	13,614
5,779	474	9,106	15,359	6,598
				6,598
5,779	474	9,106	15,359
5,779	474	9,106	15,359	6,598
				995,320 - 426 671
865,589	37,821	154,584	1,057,994
1,290	-	-	1,290
-	-	-	-
2,845	(69)	328	3,104
875,503	38,226	164,018	1,077,747	1,003,015

RESIMAC GROUP LTD REPORT 2025 14

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS KEY NUMBERS FOR THE YEAR ENDED 30 JUNE 2025

2. Expenses

	FY25	FY24
	$’000	$’000

Interest
Bond and warehouse facilities Amortisation – bond issue costs Discount unwind on NPV of trail commission Corporate facility Interest on lease liabilities Fee and commission Loan management Borrowing costs RMBS financing costs Discharge fee refundprovision Employee benefits Remuneration, superannuation and on-costs Share-basedpayments Fair value losses on derivatives Fair value losses on interest rate swaps Other Audit and other professional fees Depreciation and amortisation Depreciation of right-of-use assets Insurance Marketing Rent and occupancy costs Technology expenses Unrecoverable GST Other Loan impairment expense Loan impairment provision Loan recoveries	873,601	822,601 10,077 (2,369) 5,115 306
	10,850
	772
	2,899
	(638)
	887,484	835,730
		921 4,851 10,381 (100)

	627
	3,467
	12,394
	-
	16,488	16,053
		51,683 198

	56,223
	438
	56,661	51,881
		12,081

	4,115
	4,115	12,081
		3,267 654 1,626 2,512 2,028 1,099 12,323 2,846 2,865

	9,764
	993
	1,992
	2,723
	3,007
	1,284
	14,927
	3,383
	3,638
	41,711	29,220
		11,602 (3,663)

	27,505
	(4,945)
	22,560	7,939

	1,029,019	952,904

RESIMAC GROUP LTD REPORT 2025 15

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS KEY NUMBERS FOR THE YEAR ENDED 30 JUNE 2025

3. Cash and cash equivalents

3. Cash and cash equivalents
	FY25 FY24
	$’000 $’000

Cash at bank and on hand Cash collections account1	9,915 53,904 765,822 817,095
	775,737 870,999

Cash collections account includes monies in the Special Purpose Vehicles and securitisation trusts on behalf of members in those trusts and various clearing accounts. These funds are not available for operational use.

4. Loans and advances

	FY25	FY24

	$’000	$’000

Gross loans and advances Loans and advances Capitalised upfront commissions Capitalised trail commissions Deferred mortgage fee Unamortised discount on portfolio acquisition Unallocated customer repayments/advances Less: allowance for expected credit losses Current Non-current 5. Derivatives		14,022,237 55,003 80,822 (3,363) - (7,185)
	15,924,397
	62,168
	85,815
	(6,138)
	(12,733)
	(21,677)
	16,031,832	14,147,514 (50,009)
	(56,524)
	15,975,308	14,097,505
		4,244,254 9,903,260
	5,619,780
	10,412,052
	16,031,832	14,174,514
		FY24 $'000 41,545 6,052 47,597 135,029 610 135,639
	FY25	FY24
	$’000	$'000
Derivative assets
Cross currency swaps Interest rate swaps	25,400
	169
	25,569
Derivative liabilities Cross currency swaps Interest rate swaps

	33,530
	21,256
	54,786

RESIMAC GROUP LTD REPORT 2025 16

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS KEY NUMBERS FOR THE YEAR ENDED 30 JUNE 2025

6. Interest-bearing liabilities

6. Interest-bearing liabilities
Debt securities on issue Corporate debt facilities Issuance facilities Current Non-current	FY25	FY24
	$’000	$’000

	16,115,888	14,082,694 39,000 293,887
	14,000
	166,317
	16,296,205	14,415,581
		4,324,674 10,090,907
	5,485,132
	10,811,073
	16,296,205	14,415,581

7. Other financial liabilities

7. Other financial liabilities
	FY25	FY24
	$'000	$'000

Present value of future trail commission payable: - White label loans - On balance sheet loans Current Non-current	3,995 85,815	5,042 80,822
	89,810	85,864
		22,342 63,522
	23,722
	66,088
	89,810	85,864

RESIMAC GROUP LTD REPORT 2025 17

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS CAPITAL FOR THE YEAR ENDED 30 JUNE 2025

8. Earnings per share

8. Earnings per share
		FY24
	FY25

Profit attributable to ordinary equity holders of the parent ($'000) WANOS1used in the calculation of basic EPS (shares, thousands) Dilutive effect of share options WANOS1used in the calculation of diluted EPS(shares, thousands) Earnings per share Basic (cents per share) Diluted(centsper share)	34,584	34,590 399,664 563

	398,797
	1,936
	400,733	400,227
		8.65 8.64

	8.67
	8.63

Weighted average number of shares

Calculation of earnings per share

8.1 Basic earnings per share

Basic earnings per share is calculated as net profit attributable to the ordinary equity holders of the parent, adjusted to exclude any costs of servicing equity (other than dividends), divided by the WANOS adjusted for any bonus element.

8.2 Diluted earnings per share

Diluted earnings per share is calculated by:

dividing the net profit attributable to ordinary equity holders of the parent; by the
WANOS outstanding during the year; plus
the WANOS that would be issued on the conversion of all the dilutive potential ordinary options or rights into ordinary shares.

RESIMAC GROUP LTD REPORT 2025 18

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS OTHER FOR THE YEAR ENDED 30 JUNE 2025

9. Subsequent events

9.1 Final dividend declared

The Board of Resimac Group Ltd declared a fully-franked final dividend of $0.035 per share. The record date will be 5 September 2025. The payment date will be 19 September 2025. The dividend has not been provided for in this financial report.

Other than the above events, there have been no circumstances arising since 30 June 2025 that have significantly affected or may significantly affect:

(a) The operations,
(b) The results of those operations, or
(c) The state of affairs of the Group in future financial years.

RESIMAC GROUP LTD REPORT 2025 19

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RESIMAC GROUP LTD — Annual Report 2025

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