Hummgroup (formerly flexigroup) is an Australian company listed on the ASX since 2006 with operations spanning more than 30 years. As a diversified financial-services group, hummgroup provides a range of finance products including buynow, pay-later (BNPL), revolving credit and SME lending.

Humm is revolutionising the way people pay and has developed some of the most exciting and accessible finance products and payment solutions to consumers and businesses. Hummgroup continues to design products around the core needs of financially savvy consumers spanning Gen Z, millennials, young families and SMEs.

With operations in Australia, New Zealand, Ireland and the UK, humm plays an important role facilitating payments in a range of industries in addition to retail, including home improvement, solar energy, health, IT, electrical appliances, travel and trade equipment. In addition to its 82,000 retail and commercial partners, humm has more than 2.7 million customers, leading to A$2.7 billion of transaction volume annually.

In Australia, humm has been a regular ABS issuer securitising assets from its consumer BNPL portfolio and its SME lending portfolio. In 2016, it was the first Australian corporate to issue green ABS to fund its solar-energy related financing through its BNPL business.

Humm has since issued more than A$540 million in green ABS across seven transactions. Each tranche of green notes has been certified by the Climate Bonds Standard Board based in London. Humm has continued to bring innovative deal structures to market and was the first Australian issuer to offer green ABS across all rated tranches from triple-A to double-B.

In New Zealand, humm is a frequent issuer under its Q Card Trust programme, securitising assets from its credit cards portfolio. The Q Card Trust was the first revolving master-trust programme to be established in Australia or New Zealand. Since 2014, more than NZ$1.2 billion of ABS over 11 transactions have been issued under the programme.

Bianca Spata
Group Treasurer
+61 416 062 039
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Dennis Koh
Head of Group Funding
+61 421 381 810
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www.flexigroup.com.au