Fsa Group Limited · ASX:FSA
Fsa — Shareholder Meeting (November 2025)
17 slides from Fsa's shareholder meeting presentation, Nov 20, 2025
Slide 1: Annual General Meeting
Annual General Meeting Embracing Growth 20 November 2025
Slide 2: Our business
Our business Car Loans Asset Finance Home Loans Unsecured to assist clients to assist SMEs wishing to assist clients wishing Personal Loans wishing to purchase to purchase a vehicle to purchase a property to assist clients for any a motor vehicle. and business-critical or consolidate their approved
Slide 3: Our history, transition to lending
Our history, transition to lending Founded, grew into the largest personal insolvency business in Australia 2000 (called ‘Services’) 2006 Commenced home loan lending 2015 Commenced car loan lending 2020 COVID, placed ‘Services’ into hibernation and focused on lending 2021 Acquired asset finance lend
Slide 4: Leadership team
Leadership team POSITION YEARS WITH FSA GROUP THE BOARD Tim Odillo Maher Executive Director, CEO 25 years Cellina Chen Executive Director, CFO and Company Secretary 24 years Deborah Southon Executive Director 25 years EXECUTIVE DIRECTORS Patrick Tuttle Executive Director, Strategy 4 years, Acquisiti
Slide 5: Broad industry expertise
Broad industry expertise Patrick Tuttle David Holmes Philip Sullivan Karl Esber Former Pepper Co-CEO from Former Pepper Head of Former Virgin Australia Various technology and 2007 to 2017 Credit and COO from 2000 Group Treasurer from 2014 management roles at Former Deputy Chairman of to 20
Slide 6: Lending strategy and update
Lending strategy and update
Slide 7: Growing new origination and loan pools
Growing new origination and loan pools 450m 1000m Supported by 912m 900m automation 400m 801m 800m 350m Our aim is to increase new 639m origination to over $600m per 700m 300m annum, primarily through broker channels. 541m 600m 250m Automation will play a key 441m 457m 447m 500m role in supporti
Slide 8: Car loans and asset finance driving growth
Car loans and asset finance driving growth Origination FY 2023 FY 2024 FY 2025 % Change Car loans $63m $76m $100m ∧ 32% Asset finance $117m $169m $189m ∧ 12% Home loans $133m $129m $104m ∨ 20% Unsecured personal loans $1m $11m $3m Total $314m $385m $396m ∧ 3% Loan Pools FY 2023 FY 2024 FY 2025 % Cha
Slide 9: Operating income and PBT by segment
Operating income and PBT by segment Operating income FY 2023 FY 2024 FY 2025 % Change Unsecured personal loans is in Home loans and Asset finance $21.9m $25.4m $33.9m ∧ 34% pilot phase Car loans $16.7m $16.3m $21.6m ∧ 32% Our Services, under “Other” Unsecured personal loans - $1.2m $2.3m 2020
Slide 10: Improving net margin, disciplined pricing
Improving net margin, disciplined pricing Net margin % is the Lending FY 2022 FY 2023 FY 2024 FY 2025 % Change percentage of net finance income to finance income. Finance income $45.4m $67.4m $91.7m $115.7m ∧ 26% From May 2022, profitability Finance expense $15.1m $29.1m $48.9m $58.8m ∧ 20% was
Slide 11: Containing expenses, automating and expanding our offshore office
Containing expenses, automating and expanding our offshore office FY 2023 FY 2024 FY 2025 % Change on FY 2023 Loan Pools $639m $801m $912m ∧ 43% Net finance income $38.3m $42.8m $56.9m ∧ 49% Full-time equivalent employees and contractors FY 2023 FY 2024 FY 2025 % Change on FY 2023 Australia 112 102
Slide 12: Focussing on credit quality and arrears management
Focussing on credit quality and arrears management Arrears > 30 days FY 2023 FY 2024 FY 2025 Automation coupled with our Home loans 3.66% 4.24% 5.14% proven credit and arrears management expertise, is Car loans 2.94% 2.42% 3.21% critical to delivering and ensuring low cost, profitable Asset financ
Slide 13: Diversified funding supporting growth
Diversified funding supporting growth Two Australian banks providing Borrowings Facility type Provider Limit Maturity Date Drawn warehouse facilities. Home loans Non-recourse warehouse Westpac $400m Oct-27 $353m Periodical use of the debt capital markets to diversify funding. Personal loans Non-
Slide 14: 2026 Outlook and Guidance
2026 Outlook and Guidance Outlook Guidance During 2026, we anticipate continued growth in new Issued August 2025 Updated November 2025 origination and loan pools. Up 45% to 60% Profit before tax Up to 30% Our net margin is improving. $23.5m to $25.9m Dividend/share 7.00c to 8.00c 7.00c to 8.00c
Slide 15: Longer term target
Longer term target $1.3b Loan Pool Target Increase new origination to over $600m per annum, primarily through broker channels. Car loans and asset finance to drive growth. Automation and expanding our offshore office will play a key role in supporting this growth. We expect loan pools to gro
Slide 16: Contact
Mr. Tim Odillo Maher Executive Director FSA Group Limited Level 13, 1 Oxford Street Darlinghurst NSW 2010 T: 02 8985 5090 E: tmaher@fsagroup.com.au Ms. Deborah Southon Contact Executive Director FSA Group Limited Level 13, 1 Oxford Street Darlinghurst NSW 2010 T: 02 8985 5091 Further information can
Slide 17: Cautionary Statements and Disclaimer Regarding Forward-Looking Information
Cautionary Statements and Disclaimer Regarding Forward-Looking Information This release may contain forward-looking statements, including statements about Forward-looking statements are based on assumptions regarding the Company’s financial FSA Group Limited’s (Company) financial condition, results