Slide 1: FY25 Results Investor Presentation
FY25 Results Investor presentation 28 August 2025 moneyme.com.au Copyright 2025 | MoneyMe Limited | ACN 636 747 414 Public
Slide 2: Better loans and credit cards for Generation Now
Better loans and credit cards for Generation Now A non-bank challenger We challenge outdated lending practices with smart technology and innovative car loans, personal loans and credit cards. Digital, yet personal We simplify the borrowing experience with digital-first products that meet the needs o
Slide 3: Scaling up with industry-first innovation
Scaling up with industry-first innovation 2025 • Mastercard principal issuer, July 2025 2024 • Launched Credit Score • $1.6bn loan book • Transitioned from high • $4.5bn cumulative growth to profit originations 2023 • Launched Autopay • $1.1bn loan book • ~500k total unique • 1st Major Bank funding
Slide 4: FY25 highlights
03 FY25 highlights 08 Operational highlights 16 Financial highlights 22 Strategy & outlook 29 Additional information Page 3 | (ASX:MME) Public
Slide 5: Strong loan book growth and lower net credit losses deliver operating cash profit of $24m
Strong loan book growth and lower net credit losses deliver operating cash profit of $24m Closing loan book1 Operating cash profit2 Loan originations Net credit losses $1.6bn $24m $915m 3.4% ↑28% ↑Large ↑54% ↓1% FY24 to FY25 FY24 to FY25 FY24 to FY25 FY24 to FY25 $24m 5.8% $1.6bn $915m $1.2bn 4.5% $
Slide 6: FY25 highlights
FY25 highlights Gross revenue Normalised NPAT Operating cost to income Cost of funds $208m ($16m) 24.6% 7.1% ↓3% $239m $214m $208m ↓Large FY24 to FY25 $26m $22m ↑2.2% 21.8% 22.5% 24.6% ↓0.8% 7.2% 7.8% 7.1% FY24 to FY25 FY24 to FY25 FY24 to FY25 ($16m) FY23 FY24 FY25 FY23 FY24 FY25 FY23 FY24 FY25 FY2
Slide 7: Positive operating cash flow reflects significant growth and funding efficiency
Positive operating cash flow reflects significant growth and funding efficiency $ million FY24 FY25 YoY% Customer cash income & upfront fees 192 208 8% Operating cash profit (OCP) represents the net cash Cash interest expense (88) (95) (8%) generated from the Group’s corporate inflows and Losses, co
Slide 8: Achievements across all key areas of our FY25 strategy
Achievements across all key areas of our FY25 strategy Medium term targets1 Secured assets on book Revenue yield2 Cost of funds3 Operating cash profit %4 62% 15.8% 7.1% 1.8% FY25 FY25 FY25 FY25 55% 60% 14% 15% 6% 7% 1.3% 2.5% FY25 strategies Extending technology Focusing on high credit Expanding and
Slide 9: Operational highlights
03 FY25 highlights 08 Operational highlights 16 Financial highlights 22 Strategy & outlook 29 Additional information Page 8 | (ASX:MME) Public
Slide 10: Enhanced operations and customer experiences through our technology
Enhanced operations and customer experiences through our technology AIDEN® Security MONEYME's proprietary artificial intelligence, AIDEN® was advanced in FY25, Efficiency and data through AI & augmenting existing machine learning models with generative and agentic AI. protection automation AIDEN is
Slide 11: A stronger offering with mass-market appeal
A stronger offering with mass-market appeal MONEYME enhanced its customer value proposition, distribution channels and brand positioning to capture new customer segments and a larger share of the market. Winning on experience Stronger offer Distribution and now able to to high-value channels expande
Slide 12: Saving time through innovation
Saving time through innovation MONEYME’s products are designed to save our customers' and partners’ most valuable resource – time. By focusing on speed and efficiency, we deliver premium experiences that drive loyalty and advocacy Loans and credit cards typically approved within NET PROMOTER 60 minu
Slide 13: Vehicle loans
Vehicle loans Game-changing innovation in the auto sector: secured vehicle variable rate $38,509 AVERAGE CAR FINANCED1 finance up to $150,000 that settles within 60 minutes, 7 days a week ($38,040, FY24) FY25 AUTOPAY LOAN BOOK % OF TOTAL PORTFOLIO $912m 59% Autopay Freestyle ↑47% ($622m, FY24) FY21
Slide 14: Personal loans
Personal loans Unsecured and secured personal loans up to $70,000 FY25 PERSONAL LOAN BOOK % OF TOTAL PORTFOLIO $522m 34% Autopay Freestyle Personal Loans ↑11% ($468m, FY24) FY21 FY22 FY23 FY24 FY25 ↓5% (38%, FY24) AVERAGE EQUIFAX SCORE FUNDING STRUCTURE 750 Having executed our third Personal Loan AB
Slide 15: Credit cards
Credit cards MONEYME is preparing to reignite growth in credit cards through a revamped offering designed to deliver stronger customer value and market differentiation. CURRENT SNAPSHOT FY25 credit card loan book % of total portfolio Credit card utilisation rate $106m 7% 72% Autopay Freestyle FY23 F
Slide 16: ESG performance aligned to future needs
ESG performance aligned to future needs MONEYME advanced its social impact, strengthened its data security, and deepened its environmental insight through a robust physical climate risk assessment - building a strong foundation for future ESG standards and stakeholder value1. Social impact and custo
Slide 17: Financial highlights
03 FY25 highlights 08 Operational highlights 16 Financial highlights 22 Strategy & outlook 29 Additional information Page 16 | (ASX:MME) Public
Slide 18: Achieving scale with stronger credit
Achieving scale Loan book vs. Operating leverage Loan originations with stronger credit Operating cost to closing loan book Closing loan book ↑28% Closing loan book ↑54% FY24 to FY25 FY24 to FY25 $1,200m • Efficiencies in the platform are evident with a 28% $1,000m $915m loan book growth and a $3m i
Slide 19: Increased secured lending with longer term income
Increased secured Gross revenue vs. Net interest margin Significantly stronger book profile lending with longer Net interest margin Gross revenue ↓3% Average credit score Secured assets on book % term income Gross revenue FY24 to FY25 800 100% 780 790 90% 760 763 80% 62% • Gross revenue was $208m, d
Slide 20: Lower credit losses and arrears rates
Lower credit losses Net credit losses ECL provision to loan book and arrears rates ↓1.0% ↓0.6% FY24 to FY25 FY24 to FY25 7.0% 7.0% 6.6% 5.8% • Net credit losses reduced to 3.4%, significantly 6.0% 6.0% 4.7% down on prior years. 5.0% 4.5% 5.0% 4.1% 4.0% 3.4% 4.0% • The strong credit performance refle
Slide 21: Capital structure in place for long term growth ambitions
Capital structure in Cost of funds Total funding capacity place for long term Cost of funds margin Average cash rate ↓0.8% ↑20% growth ambitions Total cost of funds FY24 to FY25 FY24 to FY25 7.8% 9.0% $2.5bn 8.0% 7.2% 7.1% $2.1bn $1.7bn $2.0bn 7.0% $1.5bn MONEYME's diversified funding program includ
Slide 22: Liquidity
Liquidity FY25 movement in available cash Strong operating cash profit (OCP) driving investment in growth $50m $28m $45m • Significant growth enabled by strong operating cash ($5m) profit, additional working capital from new corporate $40m facility, and advanced warehouse and securitisation programs
Slide 23: Strategy & outlook
03 FY25 highlights 08 Operational highlights 16 Financial highlights 22 Strategy & outlook 29 Additional information Page 22 | (ASX:MME) Public
Slide 24: Our strategy and key areas of focus
Our strategy and key areas of focus Extending technology Focusing on high Expanding and Product innovation Modelling strong leadership credit quality and optimising funding and expansion ESG practices secured assets programs Advance proprietary technology This focus has delivered lower MONEYME is we
Slide 25: Established growth platform
Established growth platform MONEYME’s State of the art Capital structure Loan book growth in FY251 position Robust loan book technology platform in place $1.6bn Operating $1.5bn environment Shifting priorities of Falling interest rates in the Strong investor demand for $1.4bn banks creating opportun
Slide 26: Medium term targets driving profitability
Medium term targets driving profitability Medium term Key strategies for the medium term FY25 results targets Growth in secured assets, leveraging the success of Autopay, alongside a new credit card product and Secured assets on book 55% - 60% 62% growth in personal loans Target loan book range over
Slide 27: Scale and profitability
Scale and profitability Illustration of target scale and profitability outcomes Normalised NPAT (high) Normalised NPAT (low) Operating cash profit and normalised NPAT has a positive trajectory with scale $75m Risk-adjusted net interest margin (RNIM) expansion • Declining losses and lowering cost of
Slide 28: Questions & Answers
Questions & Answers Page 27 | (ASX:MME) Public
Slide 29: Thank you!
Thank you! On behalf of all at MONEYME Page 28 | (ASX:MME) Public
Slide 30: Additional information
03 FY25 highlights 08 Operational highlights 16 Financial highlights 22 Strategy & outlook 29 Additional information Page 29 | (ASX:MME) Public
Slide 31: Key operating measures
Key operating measures Definition1 FY23 FY24 FY25 Returns Statutory NPAT ($m) Per Financial Report 12 23 (67) Operating cash profit ($m) 1 N/A2 (8) 24 Gross revenue ($m) Per Financial Report 239 214 208 Net interest margin (%) 2 12% 10% 8% Operating costs to income (%) 3 22% 22% 25% Book profile Loa
Slide 32: Measure definitions
Measure definitions Note Measure Definition Operating cash profit / (loss) represents the net cash generated from the Group’s corporate inflows and 1 Operating cash profit / (loss) ($m) outflows resulting from MONEYME’s core business activities. This does not include cash movements related to the pr
Slide 33: Income statement
Income statement $ million FY23 FY24 FY25 Interest income 230 207 201 Other income 9 7 7 Gross revenue 239 214 208 Commission expense (6) (10) (23) Net revenue 233 204 185 Interest expense (90) (98) (105) Loss on financial assets at amortised cost - - (14) Operating expenses (52) (48) (51) Loan rece
Slide 34: Operating cash flow accounting adjustments
Operating cash flow accounting adjustments $ million FY24 FY25 YoY% Breakdown of cash timing items including unrecognised establishment fee, transaction cost amortisation and losses Accounting and cash revenue items, including upfront fees benefit 22 (19) Large Commissions benefit received 1 (8) Lar
Slide 35: Balance sheet
Balance sheet $ million FY23 FY24 FY25 Cash and cash equivalents 92 74 54 Net loan receivables 1,074 1,162 1,477 Derivative financial instruments 8 3 - Other receivables 14 19 19 Deferred tax asset 3 14 14 Intangible assets 33 29 26 Right-of-use assets 3 2 3 Property, plant and equipment 3 2 1 Goodw
Slide 36: Cash flow statement
Cash flow statement $ million FY23 FY24 FY25 Income from customers 204 183 208 Borrowings interest and fees paid (83) (83) (98) Income from delinquent asset sales and recoveries 31 20 15 Payments to suppliers and employees (62) (67) (62) Income tax refund received 0 - - Proceeds from disposal of int
Slide 37: MONEYME's core products
MONEYME’s core products1 Autopay Personal Loans Freestyle Offer range $10,000 - $150,000 $5,000 - $70,000 Credit limit $1,000 - $20,000 Offer term 3 - 7 years 2 - 7 years Repayment over 2 - 5 years Interest-free period N/A N/A Up to 55 days interest-free on online and in-store purchases using Freest
Slide 38: Important notices & disclaimers
Important notices & disclaimers The information contained in this presentation has been prepared by MONEYME Limited (MONEYME or Company). and maintenance. A number of the Company’s products and possible future products contain or will contain open source software, and the company may license some of
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