Announcement PDF Plenti 1 18 November 2025 ASX RELEASE FY26 Half Year Results Plenti Group Limited (ASX:PLT) provides the attached FY26 Half Year Results (incorporating Appendix 4D). Authorised for release by the Board of Plenti Group Limited. For more information please contact: Adam Bennett Chief Executive Officer shareholders@plenti.com.au Miles Drury Chief Financial Officer shareholders@plenti.com.au About Plenti Plenti is a fintech lender. We provide faster, fairer loans by leveraging our smart technology. We offer award-winning automotive, renewable energy and personal loans, delivered by our proprietary technology, to help creditworthy borrowers bring their big ideas to life. Since our establishment in 2014, our loan originations have grown consistently, supported by diversified loan products, distribution channels and funding, and underpinned by our exceptional credit performance and continual innovation. For more information visit plenti.com.au/shareholders. plenti.com.au Plenti Group Limited Appendix 4D - Half-year report Company details Name of entity: Plenti Group Limited ABN: 11 643 435 492 Reporting period: For the half-year ended 30 September 2025 Previous period: For the half-year ended 30 September 2024 Results for announcement to the market $'000 Revenues from ordinary activities up 20.3% to 149,529 Profit from ordinary activities after tax attributable to the owners of Plenti Group Limited up 1,026.1% to 10,529 Profit for the half-year attributable to the owners of Plenti Group Limited up 1,026.1% to 10,529 Dividends There were no dividends paid, recommended or declared during the half-year ended 30 September 2025. Comments The profit for the Group after providing for income tax amounted to $10,529,000 (30 September 2024: $935,000). Net tangible assets Reporting period Cents Previous period Cents Net tangible assets per ordinary security 29.42 24.19 The increase in the net tangible assets per ordinary security is driven primarily by an increase in net assets due to the significant increase in statutory profit for the period. Control gained over entities None during the period. Loss of control over entities None during the period. plenti.com.au Details of associates and joint venture entities Not applicable. Audit review The financial statements were subject to a review by the auditors and the review report is included as part of the 30 September 2025 interim financial report. Other information This information should be read in conjunction with Plenti's 2025 Annual Report. plenti.com.au Plenti Group Limited Interim Report - 30 September 2025 ABN 11 643 435 492 2 Plenti Group Limited ABN 11 643 435 492 Contents Corporate directory 3 Directors' report 4 Auditor's independence declaration 14 Statement of profit or loss and other comprehensive income 15 Statement of financial position 17 Statement of changes in equity 18 Statement of cash flows 19 Notes to the financial statements 20 Directors' declaration 32 Independent auditor's review report to the members of Plenti Group Limited 33 General information The financial statements cover Plenti Group Limited as a Group consisting of Plenti Group Limited and the entities it controlled at the end of, or during, the half-year. The financial statements are presented in Australian dollars, which is Plenti Group Limited's functional and presentation currency. Plenti Group Limited is a listed public company limited by shares, incorporated and domiciled in Australia. Its registered office and principal place of business is: Level 5 14 Martin Place Sydney, NSW, 2000 A description of the nature of the consolidated entity's operations and its principal activities are included in the directors' report, which is not part of the financial statements. The financial statements were authorised for issue, in accordance with a resolution of directors, on 18 November 2025. 3 Plenti Group Limited ABN 11 643 435 492 Corporate directory Directors Mary Ploughman (Chairman) Peter Behrens Stephen Benton Daniel Foggo Susan Forrester AM (resigned 30 June 2025) Company secretary Georgina Koch Registered office and principal place of business Level 5 14 Martin Place Sydney NSW 2000 Share register Automic Pty Limited Level 5 126 Phillip Street Sydney NSW 2000 Auditor Grant Thornton Audit Pty Ltd Grosvenor Place, Level 26 225 George Street Sydney NSW 2000 Stock exchange listing Plenti Group Limited shares are listed on the Australian Securities Exchange (ASX code: PLT) Website www.plenti.com.au Corporate Governance Statement www.plenti.com.au/corporate-governance 4 Plenti Group Limited ABN 11 643 435 492 Directors' report The directors present their report, together with the financial statements, on the consolidated entity (referred to hereafter as the 'Group') consisting of Plenti Group Limited (referred to hereafter as the 'Company', 'Plenti' or 'parent entity') and the entities it controlled at the end of, or during, the half-year ended 30 September 2025. Directors The following persons were directors of Plenti Group Limited during the financial half-year and up to the date of this report, unless otherwise stated: • Mary Ploughman (Chairman) • Peter Behrens • Stephen Benton • Daniel Foggo • Susan Forrester AM (resigned 30 June 2025) Principal activities Plenti is a fintech lending and investment business which provides faster, fairer loans through leveraging its innovative technology. Plenti provides automotive, renewable energy and personal loans, and is focused on borrowers with a strong credit profile. Additionally, Plenti seeks to provide retail investors with attractive, stable returns by investing in loans via its innovative lending marketplace. Plenti operates solely in Australia. During the financial half-year, the principal activities continued to be the provision of automotive, renewable energy and personal loans, the operation of schemes to facilitate investment opportunities for investors (through the Plenti Lending Platform and Plenti Wholesale Lending Platform) and the funding of loans via the Group's warehouse and Asset Backed Securities (ABS) programs. Dividends There were no dividends paid, recommended or declared during the current or previous financial half-year. Review of operations The profit for the Group after providing for income tax amounted to $10,529,000 (30 September 2024: $935,000). Plenti achieved record breaking financial and operational results for the half including: • Delivered record half-year Cash NPAT of $12.8 million, up 133% on the prior comparative period (pcp) • Delivered record half-year Cash Profit Before Tax (Cash PBT) of $14.1 million, up 147% on pcp • Achieved exceptional loan originations of $912.4 million up 46% on pcp while maintaining net interest margins • Grew closing loan portfolio to $2.8 billion, up 24% on pcp • Increased net revenue to $149.5 million, up 20% on pcp • Delivered strong credit performance with annualised net credit losses of 94 basis points • Won the tender to manage the WA Residential Battery Scheme and; • Completed a $400 million unsecured PL & Green ABS transaction, bringing total ABS issuance to over $3.8 billion 5 Plenti Group Limited ABN 11 643 435 492 It is noted that loan originations and loan portfolio values referred to in the Directors' report include the value of loans in respect of the NAB Powered By Plenti (NPBP) car loan. The inclusion reflects the fact that although the NPBP loans are not funded on Plenti's balance sheet, they have a comparable impact on the Group's profitability as loans funded on the Group's balance sheet and are therefore relevant to understanding financial performance of the Group. NPBP loans are not included in balance sheet values in the Group's financial statements. For the half-year ended 30 September 2025, the Group reported Cash NPAT, the Group's preferred measure of earnings, of $12,758,000 (2024: $5,479,000). Given the transition of the Group to an income tax paying position in the current and coming periods, the Group will also report on Cash PBT which better reflects business performance excluding income tax effects. Cash PBT for the period was $14,078,000 (2024: $5,709,000). On a statutory basis, the Group reported net profit after tax for the period of $10,529,000 (2024: $935,000). Basic earnings per share (EPS) increased to 5.92 cents from the pcp of 0.53 cents. The significant increase in statutory profit reflects ongoing improvements in the business' underlying profitability, with material origination and loan portfolio growth, stable margins and strong loss rates and cost operating leverage. Strong portfolio credit performance in the current period also resulted in ECL expense being favourable, notwithstanding material growth in the loan portfolio. The table below sets out the financial results for the half-year compared to the pcp. September 2025 $'000 September 2024 $'000 Change $'000 Change % Interest revenue Other income 146,501 3,028 121,870 2,380 24,631 648 20% 27% Total revenue before transaction costs 149,529 124,250 25,279 20% Transaction costs Loan funding costs Income/(expense) passed to unitholders Loan impairment expense Realised impairment losses ECL movement Sales and marketing expense Product development expense General and administrative expense Operations Business overhead Corporate funding costs Depreciation and amortisation (12,806) (75,199) 154 (12,360) 540 (7,465) (7,556) (10,537) (9,549) (1,845) (807) (12,623) (63,203) (64) (12,229) 1,737 (7,149) (6,967) (7,948) (8,101) (1,765) (787) (183) (11,996) 218 (131) (1,197) (316) (589) (2,589) (1,448) (80) (20) 1% 19% (341%) 1% (69%) 4% 8% 33% 18% 5% 3% Total expenses (137,430) (119,099) (18,331) 15% Net profit before income tax expense 12,099 5,151 6,948 135% Income tax expense (1,570) (4,216) 2,646 (63%) Net profit after income tax expense 10,529 935 9,594 1,026% Cash PBT Cash NPAT 14,078 12,758 5,709 5,479 8,369 7,279 147% 133% Notes: 1. A reconciliation of the Net profit after income tax expense to Cash PBT and Cash NPAT is set out on page 12. 6 Plenti Group Limited ABN 11 643 435 492 Total revenue before transaction costs increased 20% in the half-year, with interest revenue growing 20% on pcp. Interest revenue growth was predominately driven by the increase in the Group's average loan portfolio, which increased 21%. Other income increased as a result of increasing fee income, particularly from the NAB partnership. Transaction costs which recognise amortisation of commissions and marketing fees paid on loan originations, increased marginally on pcp to $12.8 million. Loan funding costs increased by 19% as a result of higher borrowings to fund loan portfolio growth, with average funding debt also increasing 19% on pcp. Net realised impairment losses remained consistent with pcp despite the larger loan portfolio and with the annualised loss rate for the half of 0.94% reflecting continued strong credit performance across the portfolio. Sales and marketing expense increased 4% to $7.5 million, reflecting salary increases offset by a slight reduction in marketing expense on pcp. In the period, a higher proportion of marketing spend was on a "cost per funded loan basis" which is accounted for under transactions costs using the effective interest rate method. Product development expense increased 8% to $7.6 million as Plenti continued to invest in its technology platform and technology team. General and administrative (operations) expenses increased 33% driven by increased staff to support higher origination volumes and a substantially larger loan portfolio. General and administrative (business overheads) increased 18% reflecting salary increases and general operating costs associated with the growth in the business. Corporate funding costs includes the interest expense paid/payable on Group corporate borrowings and interest expense on the Group's leased assets under AASB 16. Corporate funding costs have increased 5%, driven by an increase in average corporate borrowings. The income tax expense of $1.6 million represents an effective tax rate of 13% for the half-year. The difference between the effective tax rate of 13% and the statutory 30% tax rate is predominately due to recognition in the period of prior period tax losses of $9.7 million ($2.9 million tax effect), resulting in an income tax benefit. Loan originations and portfolio September 2025 September 2024 Change % Originations ($'000) Loan portfolio (half-year end) ($'000) Loan portfolio (average) ($'000) Number of originations Average loan amount 912,352 2,831,839 2,673,858 33,454 27,272 626,737 2,278,360 2,202,228 25,551 24,529 46% 24% 21% 31% 11% Average monthly amortisation rate (%) Average term of originations (months) 3.9 66.5 3.7 63.8 5% 4% Loan originations of $912.4 million for the half-year represented an increase of 46% on pcp, with Q1 originations of $437.3 million followed up by Q2 record originations of $475.1 million. This result reflects continued strong momentum in all core products supported by continued momentum in NPBP car loan volumes. The number of loans originated in the current year increased 31% with the average loan amount increasing 11% driven by larger automotive and renewable loans funded. The growth in renewable energy loans was largely driven by an increase in the proportion of loans including a battery in addition to solar panels. The loan portfolio grew to $2,83 billion at 30 September 2025, representing a 24% increase on the pcp. The average loan amortisation rate (rate at which loans pay back) increased to 3.9% while the average term of new loans originated increased to 66 months with longer terms provided for renewable energy loans. 7 Plenti Group Limited ABN 11 643 435 492 Loan origination by channel September 2025 September 2024 Change % Automotive loan originations ($'000) Renewable loan originations ($'000) Personal loan originations ($'000) 492,793 105,965 313,594 320,577 87,787 218,373 54% 21% 44% Automotive loan originations increased 54% over the pcp. Exceptional growth was achieved in both consumer and commercial loan offerings which was supported by operational excellence in loan processing, delivering rapid loan approvals and efficient settlement processes for brokers and referrers. Strong growth in NPBP car loan originations also contributed solidly to the result. Renewable energy finance originations grew 21% on the pcp. Solid growth was supported by strong nationwide demand for home battery systems, spurred by the federal and state government rebate and loan incentive schemes. Plenti has been well positioned to capture the customer demand via its established network of solar and battery installers and proprietary GreenConnect Platform. Personal loan originations achieved 44% growth on the pcp. The strong growth was a result of continued investment in digital acquisition channels and increasing levels of API-integrations with key referral partners, together with further advancements in automated "straight-through-processing" to support speed of credit application review and approvals. Plenti continues to focus on increasing repeat and cross-sell opportunities from existing borrowers. Product margin and funding costs September 2025 September 2024 Average interest rate (%) Average funding rate (%) Net interest margin (%) Transaction cost/average loan portfolio (%) 11.12 5.65 5.41 0.97 11.07 5.66 5.33 1.15 Funding debt (half-year end) ($'000) Funding debt (average) ($'000) 2,787,841 2,663,260 2,297,202 2,235,048 Interest revenue in the Group's financial statements represents interest and origination fees on loans funded by Plenti, treated under the effective interest rate method, as well as interest on cash deposits. The average interest rate is calculated by dividing interest revenue by the average loan portfolio for the half-year. The average interest rate slightly increased to 11.12% in the half-year, with the increase in the customer rate resulting from a moderate shift in the loan portfolio to higher proportion of Personal and Renewable loans. This was offset by a reduction in the average interest rate on new loan originations versus pcp reflecting the falling interest rate environment. Average funding costs remained consistent between period. Together this resulted in an increase in net interest margin from 5.33% to 5.41%. The improved margin was a pleasing result that reflects the Group's focus on balancing originations growth with appropriate economics on new loan originations, as well as funding costs benefits on term out of assets via ABS deals with attractive margins being achieved on term transactions in 2025. Transaction costs as a percentage of the loan portfolio were down on the prior half from 1.15% to 0.97%, reflecting variances in amortisation rates for historical loan cohorts due to changes in assumed effective lives over time. 8 Plenti Group Limited ABN 11 643 435 492 Credit performance September 2025 September 2024 Loan impairment - net charge off ($'000) Loan impairment - provision movement ($'000) 12,360 (540) 12,229 (1,737) Provision rate (%) Net charge off to interest revenue (%) 1.8 8.4 2.0 10.0 Net charge off to average loan portfolio (%) 0.94 1.11 The net charge off to average loan portfolio decreased from 1.11% in the prior half to 0.94% in the current period. There were three material contributing factors which supported this strong credit outcome being: i. Ongoing strength in consumer credit for the prime cohort that Plenti is focused on, with consumer balance sheets supported by falling interest rates, falling inflation and ongoing robust employment and wage growth outcomes ii. Plenti continuing to attract high credit quality customers, supported by its easy and efficient lending processes which attract quality customers who have choice in which provider to borrow from and; iii. The strong growth in Plenti's loan portfolio in the period which results in more "newer" loans in the portfolio which typically exhibit low loss and arrears characteristics Plenti has also continued to invest in its collections capabilities resulting in higher loss recoveries which has been a contributing factor in the lower loss rate in the current period. The Group's expected credit loss ('ECL') provision at 30 September 2025 was $49.4 million, representing 1.8% of the total loan portfolio. This compares with $45.4 million, or 2.0% of the loan portfolio at 30 September 2024. The increase in the value of the ECL is driven by the growth in the loan portfolio while the fall in the provision rate is largely due to a reduction in the proportion of loan in arrears in the portfolio against the pcp. Operating metrics 2025 2024 Overall cost-to-income ratio Overall cost-to-net margin ratio Overall cost-to-originations ratio 23.5% 57.1% 3.8% 24.3% 62.3% 4.8% Group operating cost-to-income ratio, decreased to 23.5% in the half-year, from 24.3% in the pcp. The reduction was driven by increased revenue which grew 20% during the period while operating costs increased by 16% largely driven by additional investment in operations to increase operational capacity to support existing and forecasted originations growth. Cost-to-net margin also improved from 62.3% to 57.1% in the period for the same reason, with net margin growth of 27% while operating costs increased by 16%. The cost-to-origination ratio decreased to 3.8% from 4.8% reflecting the record growth in originations in the half against a well managed cost base. 9 Plenti Group Limited ABN 11 643 435 492 Balance sheet September 2025 $'000 March 2025 $'000 Change $'000 Change % Assets Cash and cash equivalents Customer loans Deferred tax assets Derivative assets Other assets 180,498 2,668,618 24,105 707 33,995 176,426 2,422,542 23,395 1,837 32,827 4,072 246,076 710 (1,130) 1,168 2% 10% 3% (62%) 4% Total assets 2,907,923 2,657,027 250,896 9% Liabilities Trade payables Income tax payable Borrowings Corporate borrowings Derivative liabilities Other liabilities 4,241 1,320 2,766,353 32,500 12,570 38,270 4,084 - 2,529,379 32,500 10,499 38,017 157 1,320 236,974 - 2,071 253 4% - 9% - 20% 1% Total liabilities 2,855,254 2,614,479 240,775 9% Net assets 52,669 42,548 10,121 24% Cash and cash equivalents of $180.5 million is comprised of three components. Corporate cash of $50.6 million (31 March 2025: $48.8 million), Provision Fund cash of $7.3 million (31 March 2025: $8.8 million) and $122.6 million (31 March 2025: $118.9 million) held in the warehouse and ABS facilities, the Plenti Lending Platform, the Plenti Wholesale Lending Platform and in restricted accounts for government and renewable energy installer funded programs. Customer loans increased 10% from 31 March 2025. Gross customer loans increased by net $245 million to $2.77 billion at the half year end (31 March 2025: $2.52 billion), with the value of deferred upfront fees of $47.1 million (31 March 2025: $48.0 million) and the ECL provision value of $49.4 million (31 March 2025: $49.9 million) being the items netted-off the value of gross customer loans in the balance sheet. Of the gross loan value, $1.55 billion (31 March 2025: $1,41 billion) related to automotive loans, $839 million (31 March 2025: $764 million) related to personal loans and $376 million (31 March 2025: $341 million) were renewable energy loans. Deferred tax assets of $24.1 million represents the timing differences between accounting and tax with respect to various balance sheet items but mainly due to expected credit loss provision, carried forward tax losses, derivatives and capitalised warehouse and ABS set up costs. The value of remaining carried forward tax losses included as part of the deferred tax asset balance was $2.9 million (or $9.7 million gross amount). Derivative assets relate to interest rate swaps held by the Group that have a positive mark-to-market value. The value of derivative assets decreased to $0.7 million at the half year. The decrease in the value of derivative assets compared to 31 March 2025 position was due to interest rate swap rates decreasing, reducing the mark-to-market value of in-the-money interest rate swaps. Other assets is comprised of prepayments, capitalised commissions and marketing costs, securitisation establishment costs, trade receivables, PPE, right of use assets and other assets. The increase mainly relates to capitalised commissions and marketing costs which increased $1.8 million, while right-of-use assets, PPE and other assets decreased by $0.6 million. Trade payables represents the amount payable to creditors for the supply of goods and services that have been invoiced and are payable in accordance with the supplier’s payment terms as well as unsettled borrower and/or lender transactions that are yet to be paid. 10 Plenti Group Limited ABN 11 643 435 492 Borrowings increased in line with the growth in customer loans. Refer below for further details on Plenti's funding sources. Derivative liabilities relate to interest rates swaps that are in a negative mark-to-market valuation position. The increase in the value of derivative liabilities compared to 31 March 2025 was a result of interest rate swap rates decreasing, increasing the negative mark-to-market value of those positions. Other liabilities represents lease and other liabilities, provisions and accruals. These accounts fluctuate period to period with the material changes being the increase in customer collection accounts which are yet to be allocated of $2.8 million being offset by the decrease in payroll and marketing accruals $1.0 million, interest payable $0.9 million and other provisions and accruals $1.0 million. Borrowings September 2025 $'000 March 2025 $'000 Change $'000 Change % Plenti Lending Platform Wholesale Lending Platform Warehouse facilities and ABS trusts Corporate borrowings Risk retention facilities Loan settlement facility 151,872 48,792 2,482,008 32,500 79,849 3,832 164,529 23,826 2,255,194 32,500 82,572 3,258 (12,657) 24,966 226,814 - (2,723) 574 (8%) 105% 10% - (3%) 18% Total borrowings 2,798,853 2,561,879 236,974 9% Plenti benefits from having diverse sources of funding. At the end of the period, warehouses and ABS trusts represented $2.48 billion of funding, while the investor lending platforms represented $200.7 million of loan funding. Corporate borrowings and the loan settlement facility provided $32.5 million and $3.8 million respectively of further funding for the business. The risk retention entities, which are wholly owned by the Group, borrow funds from third party funders to acquire notes in Group ABS transactions with repayment of the notes backed by the Group. This allows the Group to meet European requirements for ABS issuers to retain minimum economic exposures levels to transactions they undertake. As at the end of the period, $79.8 million were funded through these entities. At 30 September 2025, the Group had a total of $88.0 million (31 March 2025: $78.0 million) invested in subordinated notes in warehouse and ABS structures. This value is not shown on the face of the balance sheet as it is eliminated in the consolidated Group accounts. Of the $88.0 million notes held at 30 September 2025, $20.9 million (31 March 2025: $18.4 million) of ABS subordinated notes are held against loans in the Notes Market on the Plenti Lending Platform and when the relevant ABS transaction is called, the proceeds received on the relevant notes will be used to repay the Plenti Lending Platform investors. The value of loans funded by the Plenti Lending Platform decreased while the Plenti Wholesale Lending Platform increased during the period primarily from renewable energy loans funded by the Clean Energy Finance Corporation. 11 Plenti Group Limited ABN 11 643 435 492 Cash flow September 2025 $'000 September 2024 $'000 Change $'000 Change % Interest income received Other income received Interest and other finance costs paid Payments to suppliers and employees Income taxes paid 147,454 3,028 (77,126) (53,137) - 126,098 2,380 (64,901) (34,748) (105) 21,356 648 (12,225) (18,389) 105 17% 27% 19% 53% (100%) Cash flows from operating activities 20,219 28,724 (8,505) Net increase in loans to customers Other investing activities (257,753) (12) (143,781) (40) (113,972) 28 79% (70%) Cash flows used in investing activities (257,765) (143,821) (113,944) Proceeds from borrowings Repayment of borrowings Repayment of lease liabilities 1,291,536 (1,049,307) (611) 1,086,969 (970,495) (544) 204,567 (78,812) (67) 19% 8% 12% Cash flows from financing activities 241,618 115,930 125,688 Net increase in cash 4,072 833 3,239 September 2025 $'000 September 2024 $'000 Change $'000 Change % Reconciliation of net profit after tax to cash flow from operating activities: Net profit after tax Add back: realised impairment losses Substract: ECL movement Add back: share-based payments Add back: depreciation and amortisation Add back: tax expenses Add back: tax benefit on unrealised hedging gain Add back: other non-cash items Movement in income tax provision Movement in deferred tax Movement in working capital 10,529 12,360 (540) 1,833 807 960 - (139) 1,320 (710) (6,201) 935 12,229 (1,737) 1,456 787 - 3,985 (6) - - 11,075 9,594 131 1,197 377 20 960 (3,985) (133) 1,320 (710) (17,276) 1,026% 1% (69%) 26% 3% - (100%) 2,217% - - (156%) Cash flow from operating activities 20,219 28,724 (8,505) Total statutory cash flow from operating activities in the period was $20.2 million (1H25: $28.7 million). The Group cash flow position includes cashflows in relation to the Provision Fund. In the half-year, the net operating cash flow of the Provision Fund was $0.4 million (1H25: $0.1 million). Cash inflow from operating activities for the Group excluding the Provision Fund was $19.8 million (1H25: $28.6 million). NetcashinflowfromoperatingactivitiesexcludingtheProvisionFundcashflowsdecreasedby$8.8million.Theincrease in net income received (income less funding costs) was largely driven by the increase in the loan portfolio. Payments to suppliers and employees increased significantly due to higher operating expenses and commission payments. 12 Plenti Group Limited ABN 11 643 435 492 Net cash outflow from investing activities was $257.8 million (1H25: 143.8 million) reflecting the growth in the loan portfolio during the half-year. Net cash inflow from financing activities increased to $241.6 million (1H25: $115.9 million), mainly due to increased funding from the securitisation vehicles. The material reconciling items between the Group operating cash flow (excluding the Provision Fund) of $19.8 million and the movement in Corporate cash of $1.8 million are: • $(11.4) million of realised losses which are deducted from the Group's warehouse and ABS trusts distribution payments • Net $(6.3) million related to the Group's investment in warehouse and ABS restructures. Net profit after income tax to Cash NPAT reconciliation September 2025 $'000 September 2024 $'000 Net profit after income tax 10,529 935 Add back: ECL provision (net of ECL provision expense passed to unitholders) Share based payments Depreciation and amortisation Tax benefit on hedging gains Income tax expense (661) 1,833 807 - 1,570 (1,685) 1,456 787 3,986 - Cash PBT 14,078 5,709 Cash income tax paid/payable (1,320) (230) Cash NPAT 12,758 5,479 Significant changes in the state of affairs There were no significant changes in the state of affairs of the Group during the financial half-year. Matters subsequent to the end of the financial half-year On 8 October, Plenti increased the limit of Plenti Funding Trust No. 2 from $350 million to $450 million. On 16 October, Plenti extended the Plenti Funding Trust No. 3 for a period of 18 months with a current limit of $325 million. On 20 October, Plenti executed documents to establish a new warehouse with initial sizing of $350 million for a period of 24 months. The new warehouse is able to fund all three core products offered by Plenti. On 27 October, Plenti