Moneymax Financial Services Ltd. · SGX:5WJ
Moneymax Financial Services — Investor Presentation (January 2026)
29 slides from Moneymax Financial Services's investor presentation, Jan 21, 2026
Slide 1: Corporate Presentation
CORPORATE PRESENTATION 21 January 2026 ## RESTRICTED ##
Slide 2: Contents
Contents 1. Company Overview 2. Key Competitive Strengths 3. Financial Overview 2 ## RESTRICTED ##
Slide 3: Section 1: Company Overview
Section 1 Company Overview 3 ## RESTRICTED ##
Slide 4: Key Business Milestones
Key Business Milestones 2022 2025 ▪ Launched “MoneyMax” series pawnshops in ▪ Expanded to 113 outlets Malaysia across Singapore and ▪ Launched Malaysia’s drive-through Malaysia pawnbroking business model ▪ Expanded into property-backed financing industry 2026 2018 ▪ Submitted application 2024 ▪ Vent
Slide 5: Organisational Structure
Organisational Structure MoneyMax Financial Services Ltd 100% 100% 100% MoneyMax Pawnshop Pte. Ltd. MoneyMax Assurance Agency Pte. Ltd. Cash Online Sdn. Bhd. 100% 100% 51% MoneyMax Group Pte. Ltd. MoneyMax Leasing Pte. Ltd. Easimine Group Sdn. Bhd. 100% 100% 51% MoneyMax Pte. Ltd. MoneyMax Funding P
Slide 6: Our Business
Our Business A leading integrated financial services provider, retailer and trader of luxury products in Southeast Asia. Diversified revenue streams: PAWNBROKING RETAIL & TRADING SECURED LENDING 6 ## RESTRICTED ##
Slide 7: Pawnbroking
Pawnbroking Short Term Collateralised Loans SCALE OF HIGHLY NETWORK REGULATED One of the largest Strict compliance chains across Singapore requirements, including and Malaysia KYC and AML protocols DIGITAL FINANCIAL SAFE & SECURE SERVICES TRADE Customers can manage Backed by collaterals their pledge
Slide 8: Retail & Trading
Retail & Trading New Gold Jewellery Pretti Gold Bars Pre-loved Gold Diamond/Gems Gold Gifting Pre-loved Timepieces 8 A modern and contemporary retail experience with sleek design, curated product offerings, and an inviting ambience ## RESTRICTED ##
Slide 9: Secured Lending
Secured Lending Strong car dealership network Flexible loan structure Provide flexible Property Regulated by Ministry of Law Automotive financing to car owners Financing Financing Hire purchase financing Focus on residential and (COE / New and used commercial properties car financing) General Insura
Slide 10: Community
Community • MoneyMax Education Grant Programme Over 100 students awarded education grants yearly from 2022-2024, with the aim of providing financial assistance to students from underprivileged families. • Participated in Radin Mas Citizens’ Consultative Committee’s Habuan Distribution event, deliver
Slide 11: Strategic & Innovation Focus
Strategic & Innovation Focus Customer-centric and innovation- driven, constantly evolve to enhance customer experience and uplift industry standards Enhance Customer Experience Continuously evolving Diversified Revenue and innovating through Streams refreshed and Diversification into modernised stor
Slide 12: Section 2: Key Competitive Strengths
Section 2 Key Competitive Strengths 12 ## RESTRICTED ##
Slide 13: Key Competitive Strengths
Key Competitive Strengths 1 Leading market positions in Singapore and Malaysia 2 Strong reputation and brand recognition Provide quick and convenient diversified financing services catered for 3 different types of customers with different needs 4 Customer-centric innovation 5 Synergies between the r
Slide 14: Leading market positions in Singapore and Malaysia
1 Leading market positions in Singapore and Malaysia ▪ Leading integrated financial services provider, retailer and trader of luxury products in Singapore and Malaysia ▪ One of the largest pawnbroking and retail chains with 113 outlets across Singapore and Malaysia ▪ Extensive footprint provides the
Slide 15: Strong reputation and brand recognition
2 Strong reputation and brand recognition ▪ Strong reputation for transparency, fair valuation and dependable customer service ▪ Three core pillars: (1) Integrity and Trust; (2) Care and Respect; and (3) Customer Centricity 15 ## RESTRICTED ##
Slide 16: Diversified financing services for different customer types
Provide quick and convenient diversified financing services 3 catered for different types of customers with different needs ▪ Dual licensing framework - the Pawnbrokers Licence and the Moneylenders Licence ▪ Serves both individuals and businesses ▪ Speed and convenience are key differentiators in th
Slide 17: Customer-centric innovation
4 Customer-centric innovation ▪ Committed to its customer-centric approach and innovation ▪ Diversified its retail business by venturing into the gifting segments ▪ Drive-through pawnshop services in Malaysia enhance convenience, security and privacy for customers Step 1: PARK Step 2: PAWN Step 3: C
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Slide 19: Synergies between retail, pawnbroking and secured lending businesses
Synergies between the retail, pawnbroking and secured lending 5 businesses ▪ Tap on synergies between these businesses, merge backend functions, consolidate resources and leverage on economies of scale ▪ Increase bargaining power with suppliers ▪ Share relevant and applicable knowledge and experienc
Slide 20: Robust corporate governance and risk management
6 Robust corporate governance and risk management ▪ Adhere to high standards of corporate governance ▪ Maintain comprehensive risk management and internal control systems ▪ Zero-tolerance policy towards bribery and corruption, as well as its strong compliance culture, underpin its reputation for int
Slide 21: Experienced board of directors
7 Experienced board of directors ▪ Led by an experienced board with deep industry knowledge and a proven track record in business development, operations and financial management Mr. Lim Yeow Hua Ms. Ong Beng Hong Mr. Ko Chuan Aun Lead Independent Director Independent Director Independent Director -
Slide 22: Section 3: Financial Overview
Section 3 Financial Overview 22 ## RESTRICTED ##
Slide 23: Financial Performance
Financial Performance Revenue Profit before Income Tax (S$’Million) (S$’Million) 390.0 52.5 285.7 40.1 253.5 243.0 29.6 32.0 185.2 22.6 FY2022 FY2023 FY2024 1H FY24 1H FY25 FY2022 FY2023 FY2024 1H FY24 1H FY25 Profit Attributable to the Owners Net Margin^ (S$’Million) 13.1% 38.2 10.7% 29.6 9.4% 9.7%
Slide 24: Segment Results for 1H 2025
Segment Results for 1H 2025 Revenue Profit Before Income Tax (S$ Million) (S$ Million) Others $0.1 Total Total $243.0m $40.1m Secured Others Lending -$2.3 Secured (-5%) $11.9 Lending (5%) $3.4 Pawnbroking (8%) $43.3 (18%) Retail & Trading $21.6 Pawnbroking (54%) $17.4 (43%) Retail & Trading $187.7 (
Slide 25: Balance Sheet Summary
Balance Sheet Summary As at As at Key Highlights (S$’000) % Change 30 Jun 2025 31 Dec 2024 Non-current Assets 206,475 212,686 (2.9) Trade and Other Receivables 154,162 158,748 (2.9) Current Assets 793,540 712,376 11.4 Inventories 94,532 84,677 11.6 Increased demand for short-term customers’ Trade an
Slide 26: Cash Flows Summary
Cash Flows Summary Key Highlights (S$’000) 1H-2025 1H-2024 % Change Net cash used in operating activities (28,989) (34,057) (14.9) Increased in pledged loan receivables funded by loans and borrowings under financing activities Net cash used in investing activities (1,011) (1,193) (15.3) Net cash pro
Slide 27: Key Financial Ratios
Key Financial Ratios Profitability Ratios 1H-2025 1H-2024 Net Margin 13.1% 9.7% Interest Coverage Ratio 3.39x 2.55x Earnings per share (cents) 6.70 3.75 As at As at Financial Position Ratios 30 June 2025 31 December 2024 Return on Equity 14.3% 9.1% Improved profitability returns for shareholders Cur
Slide 28: Consistent Dividend Payment
Consistent Dividend Payment No formal dividend policy but consistent dividend payment since listing S$’cents 1.6 Sep 2025: 1 to 1 bonus 1.4 shares Oct 2021: issuance 4 to 1 bonus 1.2 shares issuance 1 0.8 0.50 1.40 0.6 1.18 0.95 1.00 1.00 0.4 0.50 0.50 0.50 0.50 0.2 0.30 0.30 28 0 28 FY2013 FY2014 F
Slide 29: Thank You
Thank You https://moneymax.com.sg/ ir@moneymax.com.sg For enquiries, please contact: August Consulting: Janice Ong, janiceong@august.com.sg | Dave Tan, davetan@august.com.sg ## RESTRICTED ##
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