Pioneer Credit : Appendix 4D and Half-year Report

For personal use only

Pioneer Credit Limited ABN 44 103 003 505

Half-year Report - 31 December 2021

Lodged with the ASX under Listing Rule 4.2A

This interim financial report does not include all the notes of the type normally included in an annual financial report.

Accordingly, this report is to be read in conjunction with the Annual Report for the year ended 30 June 2021 and any public announcements made by Pioneer Credit Limited during the interim reporting period in accordance with the continuous disclosure requirements of the Corporations Act 2001.

Pioneer Credit Limited is a Company limited by shares, incorporated, and domiciled in Australia. Its registered office is:

Level 6, 108 St Georges Terrace

Perth WA 6000

For personal use only

Pioneer Credit Limited shares are listed on the Australian Securities Exchange (ASX).

Pioneer Credit Limited ABN 44 103 003 505

Appendix 4D - Results for announcement to the market

For the half-year ended 31 December 2021

(previous corresponding period is the half-year ended 31 December 2020)

The Pioneer Credit Limited Group comprises Pioneer Credit Limited (ABN 44 103 003 505) and its controlled subsidiaries.

Results for announcement to the market

Full commentary on the figures presented above and on the results for the period and other significant information is contained in the half year presentation, media release and the financial statements that accompany this Appendix 4D.

Dividends per ordinary share / distributions

There is no provision for an interim dividend in respect of the half-year ended 31 December 2021.

Key ratios

• The Right of Use Asset under AASB 16 Leases has been excluded from tangible assets, while the lease liability has been included in liabilities.

Financial Statements

Released with this Appendix 4D are the following statements:

• Consolidated Statement of Financial Position together with notes to the Statement
• Consolidated Statement of Profit or Loss and Other Comprehensive Income together with notes to the Statement
• Consolidated Statement of Changes in Equity, showing movements
• Consolidated Statement of Cash Flows together with notes to the Statement

For personal use only

About Pioneer

Pioneer is an Australian company, focused on supporting our customers to become debt free. We strive to provide every customer with the best possible experience through a generally difficult personal time, and our customers' wellbeing is always front of mind.

Our service ethos runs through every part of our business. From the way we hire, train, and incentivise employees, to the way we design and build our channels to connect with customers. Exceptional customer service is our mission and this, together with our enviable regulatory and compliance record, is what differentiates us from others.

We consistently place people at the centre of our priorities and decisions - these are our customers, employees, vendors, stakeholders, and shareholders. Our approach has held us in good stead over the journey and has been even more critical in the last two years as we have responded to the COVID-19 ('COVID') pandemic.