Pepper Money Ltd · ASX:PPM
Pepper Money — Shareholder Meeting (May 2025)
29 slides from Pepper Money's shareholder meeting presentation, May 7, 2025
Slide 1: Pepper Money Limited 2025 Annual General Meeting
For personal use only Pepper Money Limited 2025 Annual General Meeting 7 May 2025
Slide 2: Acknowledgement of Country
ANNUAL GENERAL MEETING Acknowledgement of Country For personal use only 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 Money Li
Slide 3: Today's Presenters
ANNUAL GENERAL MEETING Today’s Presenters For personal use only Akiko Jackson Mario Rehayem John Williams Chair of the Board Chief Executive Officer General Counsel & Company Secretary Joined Pepper Money as an independent non- Joined Pepper Money in 2011, Joined Pepper Money in 2012 executive direc
Slide 4: How to ask a question
ANNUAL GENERAL MEETING How to ask a question For personal use only ASK A QUESTION ONLINE You can ask a question online by using the ‘Message’ button. PHONE LINES TO ASK A QUESTION 1800 809 971 +61 (02) 9007 3187 O N L I N E P L AT F O R M U S E R G U I D E To view/listen to proceedings please select
Slide 5: Chair Address
CHAIR ADDRESS For personal use only “Pepper Money continues to benefit from the strength of its Management team, the unwavering focus on delivering innovative customer and partner experience and its disciplined approach to executing its strategy.” 5 Pepper Money Limited.
Slide 6: CEO Address: CY2024 Performance
CEO ADDRESS CY2024 Performance For personal use only Originations AUM NIM NPS⁶ outperformed industry Strong growth 2H v 1H CY2024 Well positioned entering 2025 Continued to expand Home Loans: +16 (industry -5) Asset Finance: +39 (industry +16) $7.0bn $19.1bn 1.97% CY2024 Personal Loans: +65 (industr
Slide 7: CEO Address: Lending growth
CEO ADDRESS Lending growth For personal use only Total Applications¹ ² ($bn) Mortgage Applications¹ ² ($bn) Asset Finance Applications¹ ($bn) 1.4 1.4 1.4 $3.5bn 1.2 1.2 1.2 $2.5bn 1.0 1.0 1.0 $2.2bn 0.8 0.8 0.8 $2.4bn 0.6 $1.2bn 0.6 0.6 $1.3bn 0.4 0.4 0.4 $1.3bn $1.3bn 0.2 0.2 0.2 $1.1bn 0.0 0.0 0.0
Slide 8: Agenda Item 1: Company Financial Report ended December 2024
ANNUAL GENERAL MEETING Agenda Item 1: Company Financial Report ended 31 December 2024 For personal use only To receive the Company’s Financial Report for the financial year ended 31 December 2024 8 Pepper Money Limited.
Slide 9: 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 10: 1: Adoption of Remuneration Report - proxy votes
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 375,057,557 2,626,
Slide 11: 2: Re-election of Justine Elizabeth Turnbull as a Director
ANNUAL GENERAL MEETING Resolution 2: Re-election of Justine Elizabeth Turnbull as a Director For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That Justine Elizabeth Turnbull, retiring as a Director of the Company in accordance ASX Lis
Slide 12: 2: Re-election of Justine Elizabeth Turnbull - proxy votes
ANNUAL GENERAL MEETING Resolution 2: Re-election of Justine Elizabeth Turnbull 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
Slide 13: 3: Election of Vaibhav Piplapure as a Director
ANNUAL GENERAL MEETING Resolution 3: Election of Vaibhav Piplapure as a Director For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That Vaibhav Piplapure, retiring as a Director of the Company in accordance ASX Listing Rule 14.4 and ru
Slide 14: 3: Election of Vaibhav Piplapure - proxy votes
ANNUAL GENERAL MEETING Resolution 3: Election of Vaibhav Piplapure 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 Vaibhav Ordinar
Slide 15: 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 16: 4: Issue of Rights to Mario Rehayem - proxy votes
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 17: 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 18: 5: Issue of Restricted Rights under STVR Plan - proxy votes
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 19: 6: Approval of Executive Rights Plan
ANNUAL GENERAL MEETING Resolution 6: Approval of Executive Rights Plan For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purpose of ASX Listing Rule 7.2 (Exception 13) and for all other purposes, approval is given to main
Slide 20: 6: Approval of Executive Rights Plan - proxy votes
ANNUAL GENERAL MEETING Resolution 6: Approval of Executive Rights Plan 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 6: Approval of Ordinary 376,969,203 281,
Slide 21: 7: Approval of Short-Term Variable Remuneration Plan
ANNUAL GENERAL MEETING Resolution 7: Approval of Short-Term Variable Remuneration Plan For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purpose of ASX Listing Rule 7.2 (Exception 13) and for all other purposes, approval
Slide 22: 7: Approval of Short-Term Variable Remuneration Plan - proxy votes
ANNUAL GENERAL MEETING Resolution 7: Approval of Short-Term Variable Remuneration Plan 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 7: Approval of Short- Or
Slide 23: 8: Approval of Share Save Plan
ANNUAL GENERAL MEETING Resolution 8: Approval of Share Save Plan For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purpose of ASX Listing Rule 7.2 (Exception 13) and for all other purposes, approval is given to maintain t
Slide 24: 8: Approval of Share Save Plan - proxy votes
ANNUAL GENERAL MEETING Resolution 8: Approval of Share Save Plan 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 8: Approval of Share Ordinary 378,807,579 152,
Slide 25: 9: Approval of Employee Rights Plan
ANNUAL GENERAL MEETING Resolution 9: Approval of Employee Rights Plan For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purpose of ASX Listing Rule 7.2 (Exception 13) and for all other purposes, approval is given to maint
Slide 26: 9: Approval of Employee Rights Plan - proxy votes
ANNUAL GENERAL MEETING Resolution 9: Approval of Employee Rights Plan 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 9: Approval of Ordinary 378,823,332 109,2
Slide 27: 10: Approval of NED Equity Plan
ANNUAL GENERAL MEETING Resolution 10: Approval of NED Equity Plan For personal use only To consider and, if thought fit, to pass the following resolution as an ordinary resolution: That, for the purpose of ASX Listing Rule 7.2 (Exception 13) and for all other purposes, approval is given to maintain
Slide 28: 10: Approval of NED Equity Plan - proxy votes
ANNUAL GENERAL MEETING Resolution 10: Approval of NED Equity Plan 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 10: Approval of NED Ordinary 378,716,919 200,
Slide 29: 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.