Humm : 2021 AGM Presentation Slides

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2021 Annual

General Meeting

humm group limited

Authorised for release by Belinda Hannover, Company Secretary

ACN 122 574 583

Level 1, 121 Harrington St, The Rocks, Sydney NSW 2000

18 NOVEMBER 2021

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Committed to growing shareholder value

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Will balance returns and investment for growth

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Investment to be measured against key performance hurdles

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1. Proven ability to scale

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Continued efficiency gains

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• Strongly grown the BNPL business - hitting over $1b in volume in FY21

• Remain committed to target sub 40% CTI

• Strongly grown the Commercial business - on a pathway to $1b

• Employees down from ~1,100 in December 2018 to ~700 in

in volume over the medium-term

June 2021

• Almost doubled total hummgroup customers from 1.4m as at June 2018 to

• Operating expenses excluding marketing and depreciation reduced from

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2.7m in June 2021

$150.8m in FY19 to $134.0m in FY211

• More than doubled our BNPL merchants from 9.5k as at June 2018 to 20.8k in

• Advanced on decommissioning legacy products and technology

June 2021

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15-year proven record in capital markets

2. Proven ability to deliver technology

transformation

• Swiftest credit decision in market: 3 minutes to apply for up to $30k

• Securitised over $5b in receivables through public markets

• Fully digitised customer experience: 4.8 app rating

• Decisioned and financed almost $20b in purchases

• New BNPL stack for UK and Canada to be replatformed for AU

• Improved capital efficiency by 210 basis points between FY18 (16.0%) and

• Continual roll-out of new features to drive engagement and transaction

FY21 (13.9%)2

frequency to 19x per year across Australian consumer products in FY21

• Reduced corporate gearing from 36% in June 2018 to nil in June 2021

1. On a Cash NPAT basis. 2. Average direct capital employed / average net receivables.

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