Solvar Limited · ASX:SVR
Solvar — Emerging Wealth Winners Small Caps Conference 2025
24 slides from Solvar's conference presentation, Oct 21, 2025
Slide 1: Emerging Wealth Winners Small Caps Conference
For personal use only Emerging Wealth Winners Small Caps Conference 21st October 2025 Scott Baldwin (Managing Director & CEO) 3 WWW.SOLVAR.COM.AU 1
Slide 2: Agenda
Agenda For personal use only About Solvar Highlights Product and Opportunity Operating Performance Outlook Solvar acknowledges the Traditional Custodians of the lands across Australia and their enduring connection to Country, Culture and Community. We pay our respects to First Nations 6 peoples and
Slide 3: For personal use only
For personal use only Group has Annual Group Industry leading Australia wide ~ 20% of Solvar Over 70,000 active financed over Revenues Customer Care distribution shares are held by accounts AU$3 billion in exceeding ISO27001 Certified through Brokers, current and former assets AU$200 million Dealers
Slide 4: For personal use only
For personal use only Secured & unsecured consumer loans, typically Consumer and commercial secured lending, Secured commercial asset finance, typically Product over 24-72 months typically over 48 – 72 months over 48 - 84 months Loan Size Up to $100,000 Up to $130,000 Up to $500,000 Consumers seekin
Slide 5: Highlights
For personal use only Highlights WWW.SOLVAR.COM.AU 5
Slide 6: Highlights FY25
Highlights FY25 For personal use only Continuing Operations Continuing Operations Continuing Operations (Australia) (Australia) (Australia) Interest Income1 Loan Book Originations EPS (Normalised) Net Tangible Assets $180.3m $ 832.7m $ 389.1m 16.8cents 2 $ 1.62 21.2% increase on pcp 2.1% increase on
Slide 7: Financial Headlines
Financial Headlines EPS and DPS NPAT1 For personal use only Title Cents AUDm 30 100% 60 24.4 25 22.6 80% 50 19.9 20 16.5 15.5 60% 40 34.1 13.0 13.8 14.0 29.0 2.7 15 30 10.0 10.0 40% 51.6 47.6 12.0 10 20 39.2 20% 31.4 5 21.9 10 17.0 0 0% 0 FY21 FY22 FY23 FY24 FY25 FY20 FY21 FY22 FY23 FY24 FY25 Normal
Slide 8: Product & Opportunity
For personal use only Product & Opportunity WWW.SOLVAR.COM.AU 8
Slide 9: Commercial asset finance
Commercial asset finance For personal use only Purpose built Financing commercial leveraging the Group’s Launched in Loan book now assets such as Utes, existing distribution May 2025 exceeds $3m vans, light commercial network for small to and yellow goods medium business WWW.SOLVAR.COM.AU 9
Slide 10: Market Opportunity
Market Opportunity For personal use only Commercial Lending Consumer Lending Commercial credit applications growing in volume: Demand base is there: auto loan applications rose June quarter 2025 apps +5.2% YoY; business +0.9% YoY in June quarter 2025. ₄ loans +6.0%, asset finance +1.4%. ₂ Momentum c
Slide 11: Funding – foundation for growth
Funding – foundation for growth For personal use only FY25 Australia - debt facilities Inaugural Asset Backed AUD m Over $300 million of Securitization (ABS) funding headroom with transaction completed 1,000 the ability to increase - expanding funding Headroom limits as needed 800 capacity 600 400 I
Slide 12: Earlypay Products
For personal use only o o o Earlypay Products Invoice Finance Asset Finance Trade Finance Payroll Finance WWW.SOLVAR.COM.AU 12
Slide 13: Operating Performance
For personal use only Operating Performance
Slide 14: Loan Book Metrics
Loan Book Metrics Australia - Loan Book Australia – Originations1 For personal use only Title • 5.3% growth in Australian gross loan book on pcp • Greater discipline on credit quality • Strong growth opportunity with Bennji’s launch in • A dedicated commercial division, leveraging May 2025 existing
Slide 15: Profitability Measures
Profitability Measures Australia – Interest income Australia – Bad debt For personal use only Title • Improvement in quality of earnings driven by • Stable loss experience despite high continued increasing contribution from AFS business unit cost of living pressure • AFS interest income contribution
Slide 16: Regulatory Update
Regulatory Update For personal use only Australian Securities and Commerce Commission of Investment Commission (ASIC) New Zealand • On Friday 5 September, the Federal Court rejected most of the claims • In March 2024, the Commerce Commission commenced made by ASIC against Money3 Loans Pty Ltd (Money
Slide 17: Outlook
For personal use only Outlook WWW.SOLVAR.COM.AU 17
Slide 18: FY26 Outlook
FY26 Outlook For personal use only Financial Operations Market • Loan book growth driven by new Bennji • Bennji business unit transitioning from • Rate cutting cycle expected to drive commercial loans setting the build to growth phase with new positive consumer sentiment foundation for future profit
Slide 19: Questions
For personal use only Questions CEO & Managing Director Chief Financial Officer Scott Baldwin Siva Subramani +61 3 7031 6019 +61 3 7031 6018 s.baldwin@solvar.com.au s.subramani@solvar.com.au WWW.SOLVAR.COM.AU 19
Slide 20: Australian Operations FY25
Australian Operations FY25 FY25 FY24 Growth % (Continuing Operations) Continuing Operations1 AUDm unless stated otherwise Australia Operations - Normalised NPAT of $32.0 million Interest income2 180.3 177.9 1.4% For personal use only Interest expense 44.6 48.2 (7.3%) Improved credit quality driving
Slide 21: Group Financial Results
Group FY25 FY25 FY25 FY24 Growth % Group Financial Results AUDm unless stated otherwise Normalised NPAT of $34.1 million Interest income1 207.4 220.7 (6.1%) For personal use only Interest expense 52.1 59.6 (12.6%) Revenue growth driven by loan book growth in Australia, Net Interest Income (NII) 155.
Slide 22: Corporate Information
Corporate Information ASX: Solvar Limited (SVR) Capital Structure 13th October 2025 For personal use only Shares on issue 194,109,360 Closing share price $1.495 Market Capitalisation $290.2 million Board of Directors Stuart Robertson Chairman Source: ASX Craig Parker Non-Executive Director Symon Bre
Slide 23: Glossary of Terms
Glossary of Terms A$ or AUD or $ - Australian dollars NED – Non-Executive Director ABS- Asset Backed Securitisaiton NPAT – Net Profit After Tax For personal use only ASIC – Australian Securities and Investment Commission NII – Net Interest Income AFS – Automotive Financial Services business unit NIM
Slide 24: Disclaimer
Disclaimer For personal use only The content of this presentation has been prepared by Solvar Limited (the Company) for general information purposes only. Any information included in this presentation on future financial performance, including industry sectors, income, profit and employment types, r
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