Pepper Money Ltd · ASX:PPM
Pepper Money — Shareholder Meeting (April 2026)
21 slides from Pepper Money's shareholder meeting presentation, Apr 20, 2026
Slide 1: 2025 Annual General Meeting
For personal use only 2025 Annual General Meeting 20 April 2026
Slide 2: Acknowledgement of Country
For personal use only PEPPER MONEY Acknowledgement of Country Pepper Money acknowledges Australia’s First Nations people as the Traditional Custodians of the land and their continuing connection to country, sea and water. We pay respect to their Elders past and present. 2 © Pepper © PepperMoney Mone
Slide 3: John Williams, General Counsel and Company Secretary
PEPPER MONEY Annual General Meeting For personal use only John Williams General Counsel and Company Secretary JOINED PEPPER MONEY IN 2012 20 years Previously worked as Legal of experience across Counsel for GE Capital and as a banking and finance solicitor with Mallesons. 3 © Pepper Money Limited.
Slide 4: Akiko Jackson, Chair
PEPPER MONEY Annual General Meeting For personal use only Akiko Jackson Chair JOINED BOARD IN 2011 APPOINTED CHAIR IN 2024 Over 30+ years Previously held roles at CBA, of experience across Macquarie and Westpac, and MUFG banking and finance Bank and Shinsei Bank in Japan. Non- Executive Director of
Slide 5: Mario Rehayem, Chief Executive Officer
PEPPER MONEY Annual General Meeting For personal use only Mario Rehayem Chief Executive Officer JOINED PEPPER MONEY IN 2011 APPOINTED CEO IN 2017 Over 25 years Previously held senior positions of experience across in APRA regulated entities and banking and finance the Appointed Chair non-bank sector
Slide 6: CY2025 Performance highlights
AGM CY2025 | Performance highlights For personal use only Originations Mortgages Asset Finance Total Public Securitisations Whole Loan Sales Record Record Originations $10.3bn $6.8bn $3.5bn Funding $7.0bn $3.5bn $3.5bn +47% versus PCP¹ +66% versus PCP +20% versus PCP +35% versus PCP AUM Mortgages As
Slide 7: CY2026 to March Volume
AGM CY2026 to March | Volume For personal use only Total Applications¹ ($bn) Total Originations ($bn) AUM ($bn) 2.5 Quarter 1 Quarter 1 24.0 1.4 31 March $4.6bn 1.2 22.0 2.0 $22.7bn $2.8bn 1.0 20.0 $19.5bn 1.5 $17.7bn $3.4bn 0.8 18.0 0.6 $2.1bn 16.0 1.0 $16.3bn 0.4 14.0 0.5 0.2 12.0 0.0 0.0 10.0 Apr
Slide 8: Akiko Jackson, Chair
PEPPER MONEY Annual General Meeting For personal use only Akiko Jackson Chair JOINED BOARD IN 2011 APPOINTED CHAIR IN 2024 Over 30+ years Previously held roles at CBA, of experience across Macquarie and Westpac, and MUFG banking and finance Bank and Shinsei Bank in Japan. Non- Executive Director of
Slide 9: Rob Verlander, Non-Executive Director
PEPPER MONEY Annual General Meeting For personal use only Rob Verlander Non-Executive Director JOINED BOARD IN 2011 Over 35+ years Previously held senior positions of experience across at investment and commercial banking and finance banks, in Australia and the United Kingdom, in the areas of Fixed
Slide 10: Agenda Item 1: Company Financial Report ended December 2025
ANNUAL GENERAL MEETING Agenda Item 1: Company Financial Report ended 31 December 2025 For personal use only To receive the Company’s Financial Report for the financial year ended 31 December 2025 10 © Pepper Money Limited.
Slide 11: 1: Adoption of Remuneration Report
ANNUAL GENERAL MEETING Resolution 1: Adoption of Remuneration Report For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purposes of section 250R(2) of the Corporations Act and for all other purposes, the Remuneration Repor
Slide 12: 1: Adoption of Remuneration Report - Proxy Results
ANNUAL GENERAL MEETING Resolution 1: Adoption of Remuneration Report For personal use only INSTRUCTIONS GIVEN TO VALIDLY APPOINTED DIRECTORS RESOLUTION DETAILS ( as at proxy close) Resolution Resolution Type For Against Proxy’s Discretion Abstain Resolution 1: Adoption of Ordinary 380,048,174 3,559,
Slide 13: 2: Re-election of Akiko Jackson as a Director
ANNUAL GENERAL MEETING Resolution 2: Re-election of Akiko Jackson as a Director For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That Akiko Jackson, retiring as a Director of the Company in accordance ASX Listing Rule 14.5 and rule 6.
Slide 14: 2: Re-election of Akiko Jackson - Proxy Results
ANNUAL GENERAL MEETING Resolution 2: Re-election of Akiko Jackson as a Director For personal use only INSTRUCTIONS GIVEN TO VALIDLY APPOINTED DIRECTORS RESOLUTION DETAILS ( as at proxy close) Resolution Resolution Type For Against Proxy’s Discretion Abstain Resolution 2: Re-election of Akiko Ordinar
Slide 15: 3: Election of Rob Verlander as a Director
ANNUAL GENERAL MEETING Resolution 3: Election of Rob Verlander as a Director For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That Rob Verlander, retiring as a Director of the Company in accordance ASX Listing Rule 14.4 and rule 6.2(a
Slide 16: 3: Election of Rob Verlander - Proxy Results
ANNUAL GENERAL MEETING Resolution 3: Election of Rob Verlander as a Director For personal use only INSTRUCTIONS GIVEN TO VALIDLY APPOINTED DIRECTORS RESOLUTION DETAILS ( as at proxy close) Resolution Resolution Type For Against Proxy’s Discretion Abstain Resolution 3: Election of Rob Ordinary 387,95
Slide 17: 4: Issue of Rights under the Executive Rights Plan to Mario Rehayem
ANNUAL GENERAL MEETING Resolution 4: Issue of Rights under the Executive Rights Plan to Mario Rehayem For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That for the purposes of ASX Listing Rule 10.14 and for all other purposes, approva
Slide 18: 4: Issue of Rights - Proxy Results
ANNUAL GENERAL MEETING Resolution 4: Issue of Rights under the Executive Rights Plan to Mario Rehayem For personal use only INSTRUCTIONS GIVEN TO VALIDLY APPOINTED DIRECTORS RESOLUTION DETAILS ( as at proxy close) Resolution Resolution Type For Against Proxy’s Discretion Abstain Resolution 4: Issue
Slide 19: 5: Issue of Restricted Rights under the STVR Plan to Mario Rehayem
ANNUAL GENERAL MEETING Resolution 5: Issue of Restricted Rights under the Short-Term Variable Remuneration (STVR) Plan to Mario Rehayem For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That for the purposes of ASX Listing Rule 10.14 a
Slide 20: 5: Issue of Restricted Rights - Proxy Results
ANNUAL GENERAL MEETING Resolution 5: Issue of Restricted Rights under the Short-Term Variable Remuneration (STVR) Plan to Mario Rehayem For personal use only INSTRUCTIONS GIVEN TO VALIDLY APPOINTED DIRECTORS RESOLUTION DETAILS ( as at proxy close) Resolution Resolution Type For Against Proxy’s Discr
Slide 21: Thank you
For personal use only Thank you on behalf of all of Pepper Money Pepper Money Limited ABN 55 094 317 665. Australian Finance Services Licence 286655; Australian Credit Licence 286655 Pepper Asset Finance Pty Limited ACN 165 183 317; Australian Credit Licence 458899 © Copyright Pepper Money Limited.