Announcement PDF Plenti Group Limited ABN 11 643 435 492 18 August 2026 ASX RELEASE 2026 Annual General Meeting - addresses and presentation Plenti Group Limited (ASX:PLT) is pleased to provide a copy of the attached addresses and presentation, which will be delivered by Plenti’s Chairman and CEO at its Annual General Meeting today. Authorised for release by the Board of Plenti Group Limited. For more information please contact: Adam Bennett Chief Executive 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 Group Limited ABN 11 643 435 492 18 AUGUST 2026 ASX RELEASE Chairman’s address On behalf of the Board, I’m delighted to welcome you, our shareholders, to Plenti’s sixth AGM since listing on the ASX in September 2020. Plenti’s mission is to build Australia’s best lender. Once again, we’ve made great momentum towards the accomplishment of this mission over the last year, in terms of how we serve our customers, and how we deliver for all of our other stakeholders. The year to 31 March 2026 was a period of significant uncertainty in international markets caused by a changing geo-political landscape. Australia’s economic conditions were also more challenging, some of which were caused by global conditions, and this included experiencing a series of interest rate increases from the Reserve Bank of Australia. Funding markets, however, have remained open and effective at allocating capital. Consumer demand for credit remained strong and the consumer finance space also remained highly competitive, with the major banks, non-banks and fin-tech lenders all vying for customer consideration. Notwithstanding these more challenging conditions, Plenti experienced strong ongoing consumer demand for prime credit and continued stable performance of our loan portfolio. It’s against this backdrop that we are particularly pleased with the strength of Plenti’s diverse and complementary distribution channels, digital platform and credit decisioning foundations that enabled us to successfully grow the loan portfolio by 22% (YoY) and increase Cash PBT by 117% (YoY). This is a significant achievement and highlights the ongoing resilience of the Plenti business. We have also successfully delivered solid outcomes for our strategic partners (including NAB, Tesla, WA Government), brokers and installers. This is a testament to our strong focus on delivering increased value for our shareholders. The relative strength of this performance, in my view, is in part a reflection of Plenti’s success in pursuing its long-term strategic priorities, whilst also continuing to focus on day-to-day high performance. Plenti successfully delivered Horizon 1 of its refreshed five-year corporate strategy. The strategic objective of 2026 was to GROW – by doing what we do but better with a focus on rapidly and profitably growing our loan book and continuing to invest appropriately in our proprietary technology, and our straight through processing and credit decisioning capabilities. Plenti’s proven competitive strengths of technology, diversification and risk management worked together to deliver strong consistent performance and growth momentum. Plenti’s scalable proprietary digital platform effectively supports our lending verticals and creates operating leverage as we grow, and our diverse and complementary lending verticals allow us to take advantage of shifts in market conditions to deliver consistent profitable growth. Additionally, our focus on prime borrowers delivers low losses and volatility through the cycle, supporting growing profitability and improving treasury outcomes. Plenti successfully implemented Horizon 1 and delivered its $3b loan book target in January 2026, a full two months earlier than forecast. Plenti also delivered on its FY26 objectives for profitability and efficiency. In the last year, the depth of Plenti’s funding sources continued to strengthen, as evidenced by the successful completion of three asset-backed securities (ABS) transactions, which introduced an ever-broader set of domestic and international investors. During FY26, Plenti issued two Green & Personal Lending ABS transactions for $400m each, and a third for Automotive for $539m. This brings our total ABS issuance to over $5.1 billion. Another highlight of the year was successfully building out the “NAB powered by Plenti” automotive loan within the market. This represents a significant milestone for Plenti, as we continued building the loan book with NAB customers, and delivering more meaningful lending volumes. I would like to acknowledge the great work that Plenti’s renewable energy and automotive teams continue to undertake in supporting the transition of Australian households to a lower carbon world, most notably through their work in helping to simplify the purchase of solar battery systems and electric vehicles, whilst also making clean energy options more affordable. I would like to thank the leadership group and the entire Plenti team for their success in executing on Plenti’s strategic goals over the last year, and express mine, and the Board’s, confidence in the entire team, their capabilities, and their dedication to building Plenti into Australia’s best lender. I would also like to thank my fellow Directors for the support and energy they devoted to Plenti over the last year. I’d also like to welcome Jacqui Colwell as she steps onto the board of Plenti. Jacqui has extensive experience in financial services and we look forward to her contribution to board governance, strategy and Plenti’s next phase of growth and development. Finally, I would like to thank you, our shareholders, for your ongoing investment and support as we’ve continued to grow the company and create additional shareholder value. I’m delighted to now pass on to Adam to deliver his CEO address to shareholders and provide you with more strategic and operational detail of the year we’ve just completed. Plenti Group Limited ABN 11 643 435 492 18 AUGUST 2026 ASX RELEASE CEO address Plenti had an outstanding FY26 on all of the metrics that matter, successfully delivering against our market guidance for growth, efficiency and profitability. Plenti’s proven competitive strengths across technology, channel diversification and credit performance combined to deliver consistent increases in profitability. Let me share some of the FY26 financial highlights as Plenti continued its strong growth trajectory. Plenti continued to achieve strong loan portfolio growth whilst preserving net interest margins and borrower credit quality. The business generated loan originations of $1.9b, up 32% on PCP, delivering a closing loan portfolio of $3.1b, up 22% on PCP. Strong loan originations drove meaningful revenue growth to $312m, representing a 30% 3- year CAGR. Our focus on prime credit borrowers continued to differentiate our credit performance and loss rates, as evidenced by our closing 90+ arrears of 42bps (down 1bps year on year), and a 94bps annualised net loss rate. Plenti’s loan origination growth, consistently low losses and cost leverage continued a virtuous cash generation financial flywheel that drove profit growth. Our closing Cash PBT more than doubled to $30.8m, clearly demonstrating the leverage available in Plenti’s technology-led business model as we continue to scale. This cash generation enabled the repayment of $12.5m of corporate debt, reducing the drawn balance to $20m. Plenti also committed to the acquisition of up to a maximum of $3m worth of shares on-market that will be used to satisfy some of our employee equity plan obligations. Let me now share some more detailed operational results. The Plenti digital platform efficiently supports our lending verticals across automotive, renewables and personal loans. Despite our significant growth, Plenti still has small shares of these very large markets. Our diversification, and the sheer size of these verticals, means that capturing an additional 1.7% of the total addressable market could deliver an extra $1b of Plenti lending. It’s extremely pleasing to see that all three product verticals performed well in FY26: • Our Automotive business continued to grow strongly, supported by our technology edge, our diversified distribution across brokers, OEM partners and NAB, and our compelling product features. Encompassing both consumer and commercial, the loan book grew organically to deliver 40% originations growth, increasing the portfolio by 24% on PCP, to close the year with a $1.779b loan book. • Our Renewables business grew significantly, driven by the electrification of society, geo- politics driving fossil fuel costs higher, and government incentives driving demand for solar panels and battery systems. We also launched the WA Government’s Residential Battery Scheme as the exclusive administrator and financier. Loan originations were up 26% to $239m, taking the renewables loan book to $427m, up 25% on PCP. • Significant growth in Personal Lending was driven by Australian demographics, technology enhancements in our credit engine, improvements to our customer journey and third-party integrations. PLs delivered significant growth of 23% against PCP to achieve a closing loan book of $900m (up 18%). We also continued to invest significantly in underwriting capacity and technology, increased our credit decision consistency and speed, and materially increasing our straight through processing rates. The “NAB powered by Plenti” car loan also built momentum, closing the year with a loan book of $121m. We also brought forward the contractually scheduled review of the partnership and agreed a set of arrangements to support greater investment in growth activities. In summary, Plenti helped 27,000 Australians buy a new or used car, financed 11,500 solar panel installations, 68% with a battery attached, helped 2,500 Australians go travelling, and 7,000 renovate their home, plus many more dreams brought to life. Plenti also continued to demonstrate the operating leverage inherent in our digitally enabled business model, with operating cost to net margin for FY26 reducing to 56.7% from 60.7% in the previous year, and hitting our FY26 target of <57%. Plenti has successfully executed the first of three strategic horizons throughout the year, and grown, by doing what we do, but better. Our proven competitive strengths work together to deliver strong consistent performance and growth momentum. At the heart of this is the Plenti platform, which delivers outstanding customer experience, market diversity and an enviable 10+ year credit track record. We have total control over our proprietary digital platform which provides speed and agility to respond to customer needs. The scalable architecture also enables deep partner integrations and has credit decisioning capability embedded within the platform. We’re uniquely positioned as the only non-bank lender across all three of our distinct markets, and our diverse and complementary lending verticals and channels allow us to take advantage of shifts in market conditions to deliver consistent profitable growth. Additionally, the Plenti platform’s purpose-built credit engine, when combined with our focus on prime borrowers, delivers low losses and volatility through the cycle, supporting growing profitability and improving treasury outcomes. The platform also provides a foundation for rapid change and AI adoption to deliver strong operational efficiency and improved products. These capabilities deliver real world commercial outcomes, with award winning highly automated and straight through processing digital journeys, combined with differentiated technology capabilities such as GreenConnect. Our technology, when combined with our partnership capabilities and commercially collaborative culture, has enabled us to work with larger organisations such as NAB, Tesla, Cadillac and AGL, and with the West Australian government. Looking ahead, our refreshed corporate strategy remains clear: we‘re pursuing a breakout growth ambition across three clear horizons over the next five years. • Horizon 1 (this year) was to GROW by doing what we do but better, and it’s now successfully complete. • We therefore now embark on Horizon 2 (years 2 & 3) to GROW by also doing new things • Horizon 3 (years 4 & 5) is to GROW by scaling boldly into new opportunities Our success will be underpinned by extending and improving three distinctive strategic capabilities: 1. Deeper relationships with target customers and partners supporting diverse and complementary distribution channels 2. Data and artificial intelligence to drive fast and reliable credit decisions, reduce operating costs, optimise pricing and uplift customer cross-sell capabilities 3. Proprietary technology stack to provide customers and partners with fast, simple and consistent digital journeys, with a low cost of manufacture Our FY26 loan originations exit rate was $475m per quarter, which would – if continuously repeated – deliver a loan book of $4b plus. Plenti’s ambitious mid-term growth strategy and loan originations growth target – requiring $600m in originations continuously repeated – would see an implied ‘steady state’ loan portfolio surpass $5b. The progress we’ve made over FY26 has only been achieved due to the capabilities and dedication of our incredible people. It’s clear that everyone in the business is committed to delivering our mission, which is to build Australia’s best lender as judged by our customers, employees and owners. I’d therefore like to thank all of them for their dedication, commitment and hard work, which has made a positive difference for our customers and our shareholders. I’d also like to thank our Chair, Mary Ploughman, and the board of directors for their support, guidance and constructive challenge throughout the year. Finally, I’d like to thank Plenti’s business partners, funders, referral partners and brokers, who continued to support our growth and success, and you, our shareholders, for your continued faith in our ability to deliver positive outcomes. I finish the year extremely excited by Plenti’s customer offerings, its market positioning, its technology capabilities, and so much more. We close FY26 with a clear and achievable corporate strategy, an aligned board, executive and employee team, and real momentum to deliver our growth agenda. We have a solid set of foundations in place, and I believe we can achieve our mission to be Australia’s best lender and deliver profitable growth and increased shareholder value. Thank you, and let me now pass back to our Chair, Mary Ploughman. 18 August 2026 Annual General Meeting ASX RELEASE Plenti Group Limited (ASX:PLT) Authorised for release by the Board of Plenti Group Limited For more information please contact: Adam Bennett, CEO, shareholders@plenti.com.au Selena Verth, CFO, shareholders@plenti.com.au Mary Ploughman Chairman and Independent Non-Executive Director 2 Board of Directors Daniel Foggo Non-Executive Director Peter Behrens Independent Non-Executive Director Stephen Benton Independent Non-Executive Director Jacqui Colwell Independent Non-Executive Director Adam Bennett Chief Executive Officer 3 Executive Committee Selena Verth Chief Financial Officer Georgina Koch General Counsel and Company Secretary Glenn Riddell Chief Operating Officer Simon Cordell Chief Risk Officer Ben Milsom Chief Commercial Officer Tom Wright General Manager, Strategy Execution Chairman Address CEO Address 9 Plenti had an outstanding FY26 on all of the metrics that matter to deliver Cash PBT of $30.8m Cash NPAT $27.3m +97% on pcp Closing 90+ arrears 42bps down 1bp yoy $3bn loan book goal achieved two months ahead of target, delivering on our Horizon 1 strategic objective Corporatedebt repaid $12.5m Reducing drawn balance to $20m FY26 market guidance – delivered Originations $1.9bn +32% pcp Growth Closing loan portfolio $3.1bn +22% pcp Growth Cost-to-net margin 56.7% down 7% yoy Cash PBT $30.8m +117% pcp Profitability Efficiency 53 89 143 211 259 312 FY21 FY22 FY23 FY24 FY25 FY26 264 745 998 1,226 1,431 1,779 86 142 201 272 341 427 264 413 568 641 764 900 615 1,300 1,766 2,138 2,537 3,106 FY21 FY22 FY23 FY24 FY25 FY26 Automotive Renewable energy Personal Plenti continued its strong growth trajectory in FY26 across all verticals and distribution channels 10 30% loan revenue 3-year CAGR Loan portfolio grew to >$3.1bn, with profitable growth across each lending vertical … which drovemeaningful revenue growth to >$310m 71%1 Auto/ Green 1. Lower credit risk secured automotive and unsecured renewable energy loans represented 71% of the loan portfolio at the end of FY26 2. Automotive portfolio and originations figures include NAB powered by Plenti (NPBP) 3 2 21% loan portfolio 3-year CAGR … with continued momentum in originations 231 639 572 624 709 994 57 98 122 159 189 239 182 365 437 418 519 636 470 1,102 1,131 1,201 1,417 1,868 FY21 FY22 FY23 FY24 FY25 FY26 Automotive Renewable energy Personal 18% originations 3-year CAGR 2 11 Plenti’s proprietary technology enables our growth across several large prime lending verticals Plenti still has small shares of large markets Diversification allows PLT to react to shifts in market conditions to deliver consistent profitable growth Capturingan additional 1.7%of thetotal addressablemarket coulddeliver an extra $1bnof Plenti lending 11 0 5 10 15 20 25 30 35 40 45 Market opportunity Plenti share Automotiveannual originations($bn) ~2%market share 3. Renewable market opportunity based on reported originations data for key market participants and management estimates 5. GreenConnect is Plenti’s proprietary platform for establishing our customer’s virtual power plant 4. Personal lending market opportunity based on ABS Lending Indicators Table 27 fixed term loans LTM to March 2026, excluding refinancing and purchase of road vehicles 1,2 0.0 0.2 0.4 0.6 0.8 1.0 1.2 Market opportunity Plenti share Renewableannual originations($bn) 1,3 1,4 ~30%market share 0 2 4 6 8 10 12 14 16 18 20 22 Market opportunity Plenti share Personallendingannual originations($bn) ~3% market share 1. Market opportunity defined as annual originations for each respective vertical 2. Automotive market opportunity based on ABS Lending Indicators Table 27 fixed term loans, purchase of road vehicles LTM to March 2026 and management estimates Demanddrivers • Australian demographics • EV transition • New model entry (China) Demanddrivers • Australian demographics • Ongoing consumer desires • Looming technologies (e.g. robots) Demanddrivers • Electrification of society • Geopolitics (Energy costs) • Govt incentives (Fed + State) 12 The Plenti platform delivers outstanding customer experiences, market diversity and an enviable 10+ year credit track record • Total control across our proprietary end-to-end platform • Speedand agility • Deeply integrated partner experiences • Scalable architecture enables reuse of capabilities • Integratedcredit capability and decisioning Plenti’s purpose-built credit engine leverages data and AI to better assess customer risk and deliver consistently low loss rates • Fast, scalable and consistent credit assessment • Straight throughprocessing with ‘no human touch’ decisioning • Highly responsiveto changingloss trends and macro conditions • Rapidadjustment of underwriting rules and credit settings • Fast decisioning enabled by automation and AI adoption Diversification Risk management Auto Renewable Personal × 4 distribution channels Direct • Broker • Installer • Strategic 94bps FY26 annualised net losses Direct • Broker • Installer • Partners Plenti has a unique market presence with diverse and complementary distribution channels in three markets • Uniquelypositionedin three distinct markets • Complementary distributionacross direct, brokers, installers, OEMs, NAB and government • Channel diversity supports performance across changing macro conditions • Reduceddependenceon any single channel partner(s) or market vertical • Re-lending and cross-sell growth opportunities emerging 13 Our strategy is simple: we are pursuing a breakout growth ambition across three clear horizons over the next five years 🡪 MARCH 2026 Horizon 1 Growby doing what we do – but better Disciplinedfocus Grow by extracting additional value from existing automotive, renewables and personal lending verticals … and by growing NAB Powered by Plenti volumes steadily Horizon 2 Growby alsodoingnew things Disciplinedexpansion Maintain and grow our existing verticals whilst simultaneously looking outwards to potentially: • Expand into adjacent products • Create new verticals • Engage new strategic partners 🡪 MARCH 2030 Horizon 3 Growby scaling boldlyinto newopportunities Expandour thinking Leverage the growing scale of the business Explore a greater range of potential options available to a profitably scaling business: • Additional products • Potential acquisitions We are here 🡪 MARCH 2028 Mature steady -state 3.1 3.3 3.5 3.7 3.9 4.1 4.3 4.5 4.7 4.9 5.1 5.3 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 Oct-26 Nov-26 Dec-26 Jan-27 Feb-27 Mar-27 Apr-27 May-27 Jun-27 Jul-27 Aug-27 Sep-27 Oct-27 Nov-27 Dec-27 Jan-28 Feb-28 Mar-28 Apr-28 May-28 Jun-28 Jul-28 Aug-28 Sep-28 Oct-28 Nov-28 Dec-28 Jan-29 Feb-29 Mar-29 Apr-29 May-29 Jun-29 Jul-29 Aug-29 Sep-29 Oct-29 Nov-29 Dec-29 Jan-30 Feb-30 Mar-30 Apr-30 May-30 Jun-30 Jul-30 Aug-30 Sep-30 Oct-30 Nov-30 Dec-30 Jan-31 Feb-31 Mar-31 Apr-31 May-31 Jun-31 Jul-31 Aug-31 Sep-31 Oct-31 Nov-31 Dec-31 Jan-32 Feb-32 Mar-32 Apr-32 May-32 Jun-32 Jul-32 Aug-32 Sep-32 Oct-32 Nov-32 Dec-32 Jan-33 Feb-33 Mar-33 Apr-33 May-33 Jun-33 Jul-33 Aug-33 Sep-33 Oct-33 Nov-33 Dec-33 Jan-34 Feb-34 Mar-34 Apr-34 May-34 Jun-34 Jul-34 Aug-34 Sep-34 Oct-34 Nov-34 Dec-34 Jan-35 Feb-35 Mar-35 Apr-35 May-35 Jun-35 Jul-35 Aug-35 Sep-35 Oct-35 Nov-35 Dec-35 Jan-36 Feb-36 Illustrative portfolio growth with flat originations1 4Q26 originations 4Q25 originations 14 Plenti’s ambitious loan originations growth target would see an implied “steady-state” portfolio surpass $5bn 1. This is a mathematical exercise only and does not factor in any changes to originations composition, loss rate or amortisation rates. Illustrative scenario analysis only, not provided as a forecast $475m per quarter (4Q26 rate) $407m per quarter (4Q25 rate) Portfolio growth rate and indicative mature “steady- state” loan portfolio size is a function of ongoing quarterly origination rate Business objective is to continue to accelerate loan originations through Horizons 2 and 3 as part of our breakout growth strategy Illustrative loan portfoliogrowthprofile basedon flat originations at relevant quarterly rate and amortisation at 3.8% (FY26 actual rate) $600mquarterlyoriginations would deliver a $5bn+ mature steady-state portfolioif achieved consistently over time $4bn+ $5bn + $600mperquarter(continuouslyrepeated) $3.5bn 15 Plenti team and partners Bringing our customers’ big ideas to life 16 Items of business Item 1 • Financial statements and reports Item 2 – Resolution 2 • Adoption of Remuneration Report Item 3 – Resolution 3 • Re-election of Mary Ploughman as a Director Item 4 – Resolution 4 • Re-election of Peter Behrens as a Director Item 5 – Resolution 5 • Election of Jacqui Colwell as a Director Item 6 – Resolution 6 • ASX Listing Rule 7.1A Approval of Future Issue of Securities Item 7 – Resolution 7 • Renewal of Proportional Takeover Provisions in the Constitution • To receive and to consider the Annual Financial Report of the Company for the financial year ended 31 March 2026 together with the declaration of the Directors, the Directors’ Report, the Remuneration Report and the Auditor’s Report for that financial year. Note: This item is for discussion only Item 1 – Financial statements and reports 18 Item 1 • To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “That, for the purpose of Section 250R(2) of the Corporations Act and for all other purposes, approval is given for the adoption of the Remuneration Report as contained in the Company’s Annual Financial Report for the financial year ended 31 March 2026.” Note: the vote on this Resolution is advisory only and does not bind the Directors or the Company Resolution 2 – Adoption of Remuneration Report 19 Item 2 For​ 40,277,679 98.87% Against​ 392,535 0.96% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 438,093 Proxy Votes • To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “To re-elect Mary Ploughman as a Director of the Company.” Resolution 3 – Re-election of Mary Ploughman as a Director 20 Item 3 For​ 40,600,730 98.61% Against​ 506,070 1.23% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 1,507 Proxy Votes • To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “To re-elect Peter Behrens as a Director of the Company.” Resolution 4 – Re-election of Peter Behrens as a Director 21 Item 4 For​ 41,026,227 99.64% Against​ 80,573 0.20% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 1,507 Proxy Votes • To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “To elect Jacqui Colwell as a Director of the Company.” Resolution 5 – Election of Jacqui Colwell as a Director 22 Item 5 For​ 41,057,782 99.72% Against​ 50,525 0.12% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 0 Proxy Votes • To consider and, if thought fit, to pass the following resolution as a Special Resolution: “That, for the purposes of ASX Listing Rule 7.1A and for all other purposes, the issue of equity securities up to 10% of the issued capital of the Company (at the time of issue), calculated in accordance with the formula prescribed in ASX Listing Rule 7.1A.2 and otherwise on the terms and conditions set out in the Explanatory Statement, be approved.” Resolution 6 – ASX Listing Rule 7.1A Approval of Future Issue of Securities 23 Item 6 For​ 33,911,665 82.36% Against​ 7,195,142 17.48% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 1,500 Proxy Votes • To consider and, if thought fit, to pass the following resolution as a Special Resolution: “That, pursuant to Section 648G of the Corporations Act 2001 (Cth), Shareholders approve the renewal of the proportional takeover provisions in the form contained in the clause 14 of the Constitution of the Company for a period of three years with effect from the date of the Annual General Meeting.” Resolution 7 – Renewal of Proportional Takeover Provisions in the Constitution 24 Item 7 For​ 41,030,052 99.65% Against​ 76,755 0.19% Discretion​ 65,968 0.16% Exclusions​ 0 Abstain​ 1,500 Proxy Votes Conducting of the poll Q & A Other business Meeting close