Moneyme Ltd. · ASX:MME
Moneyme — Shareholder Meeting (November 2025)
35 slides from Moneyme's shareholder meeting presentation, Nov 20, 2025
Slide 1: 2025 AGM Chair and CEO Addresses
20 November 2025 ASX Announcement 2025 AGM Chair and CEO Addresses MONEYME Limited (ASX: MME) attaches the following materials in relation to its 2025 Annual General Meeting (AGM) being held at 11.00am this morning at the Paradox Hotel, 27 O’Connell Street, Sydney, New South Wales: • the addresses t
Slide 2: Chair's Address – Formal Script
MONEYME LIMITED ANNUAL GENERAL MEETING – FORMAL SCRIPT 11.00 AM, THURSDAY 20 NOVEMBER 2025 CHAIR’S ADDRESS – JAMIE MCPHEE Good morning, everyone, and welcome to the 2025 Annual General Meeting of MONEYME. My name is Jamie McPhee, and I am the Chair of MONEYME’s Board For personal use only of Directo
Slide 3: Chair's Address: Introduction to MONEYME
• Susan Hansen, Non-Executive Director; • Jonathan Swain, our Company Secretary. Joining us by telephone are David Wright, our Chief Financial Officer, and Claire Scott, Audit Partner from our Auditor, Grant Thornton. The agenda for today’s meeting is set out in the Notice of Meeting. The Notice of
Slide 4: Scaling up with industry-first innovation
MONEYME’s loans and credit cards are designed to deliver a better end-to-end experience, from seamless digital interactions to loans that settle in minutes. Powered by state-of-the-art technology, the Company has earned a reputation for market-leading speed and innovation, while leading the charge i
Slide 5: ESG performance aligned to future needs
ESG performance aligned to future needs During FY25, MONEYME continued to advance its environmental, social and governance agenda with a strong focus on delivering better outcomes for customers and the broader community. This included enhancing data security to safeguard customers in an evolving cyb
Slide 6: For personal use only
backed securities, the environment has become more conducive to growth than we have seen for some time. MONEYME executed its strategy while significantly growing its loan book in FY25. The Company’s strategy, which focussed on extending our technology leadership, loan book strength, and capital effi
Slide 7: CEO's Address: FY25 Highlights
With approximately $700 million in asset-backed securitisations (ABS) during the year, MONEYME is now firmly on the radar of the global debt capital markets. These transactions provide efficient, scalable debt funding that increases our operating leverage as the loan book grows. In closing, I would
Slide 8: For personal use only
We generated cash in the year, with an operating cash profit of $24 million, which included a $10 million one-off cash benefit from structuring our warehouses more efficiently. This is a strong uplift from an $8 million loss in FY24. Alongside growth, the key drivers behind this result are our stron
Slide 9: For personal use only
a more robust and better performing loan book achieved, the ratio of secured assets is now stabilising as we focus on balancing the mix with growth in personal loans and, from next half, credit cards. Quarter-on-quarter, the revenue trend is very pleasing, and we expect to see a significant increase
Slide 10: 1Q26 highlights
• Loan growth: We originated $261 million in new loans, our highest quarterly originations since FY22. This increased our loan book to $1.65 billion, progressing towards our medium-term target. • Stronger credit performance: Our credit losses continued to come down in line with the higher credit qua
Slide 11: Saving time through innovation
With ongoing ABS issuance and $50 million of undrawn and available corporate working capital, MONEYME has the capital structure and liquidity in place to meet its long-term growth ambitions. Saving time through innovation Our proprietary technology and product innovation are focused on saving our cu
Slide 12: For personal use only
MONEYME enhanced its product offering and expanded distribution channels to capture new customer segments and a larger share of the market. In FY25, we doubled our personal loans broker network and increased Autopay referral partners by more than 50%, while enhancing our online customer journeys to
Slide 13: Our strategy and key areas of focus
than half of used car sales in Australia, and a direct-to-consumer product will launch in the next calendar year. As we build on Autopay’s growth and broaden its distribution, we are also focused on growing our personal loan product and reigniting credit card growth with a new product launching this
Slide 14: Scale and profitability
By staying focused on these priorities, we are confident in delivering sustainable growth, operational efficiency, and long-term shareholder value. Scale and profitability Operating cash profit and Normalised NPAT have a positive trajectory as we continue to execute on our strategy. MONEYME’s growin
Slide 15: 2025 Annual General Meeting
For personal use only 2025 Annual General Meeting Thursday 20 November 2025 moneyme.com.au Copyright 2025 | MoneyMe Limited | ACN 636 747 414 Public
Slide 16: Chair's Address
For personal use only Chair’s Address Jamie McPhee Page 1 | (ASX:MME) Public
Slide 17: Better loans and credit cards for Generation Now
Better loans and credit cards for Generation Now For personal use only 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
Slide 18: Scaling up with industry-first innovation
Scaling up with industry-first innovation 2025 • Mastercard principal For personal use only issuer, July 2025 2024 • Launched Credit Score • $1.6bn loan book • Step change in loan • ~$5bn cumulative book quality and originations 2023 • Launched Autopay secured assets • ~500k total unique • 1st Major
Slide 19: MONEYME Board of Directors
MONEYME Board of Directors For personal use only Jamie McPhee Clayton Howes David Taylor Independent Non-Executive Chair Managing Director & Chief Independent Non-Executive Director Executive Officer Joined the Board in March 2022 Joined the Board in March 2024 Chair of the Remuneration and Nominati
Slide 20: ESG performance aligned to future needs
ESG performance aligned to future needs During FY25, MONEYME continued to advance its environmental, social and governance agenda to deliver positive outcomes for customers and the broader community. For personal use only Social impact and customers Governance and data protection Sustainable growth
Slide 21: Achievements across all key areas of our FY25 strategy
Achievements across all key areas of our FY25 strategy For personal use only Extending technology Focusing on high credit Expanding and optimising Product innovation and Modelling strong ESG leadership quality and secured assets funding programs expansion practices • Generative AI deployed to • Secu
Slide 22: CEO's Address
For personal use only CEO’s Address Clayton Howes Page 7 | (ASX:MME) Public
Slide 23: Larger loan book, lower net credit losses, operating cash profit of $24m
Larger loan book, lower net credit losses, and funding benefits deliver operating cash profit of $24m For personal use only 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 $2
Slide 24: FY25 highlights
FY25 highlights Gross revenue Normalised NPAT Operating cost to income Cost of funds $208m ($16m) 24.6% 7.1% For personal use only ↓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 F
Slide 25: 1Q26 highlights
1Q26 highlights1 Gross revenue Loan originations Loan book Secured assets % Average credit score $58m $261m $1.65bn 62% 796 For personal use only $1.65bn 796 $261m $1.56bn 790 $1.47bn $70m $280m 70% 800 $58m $1.60bn $1.39bn 62% 62% 784 $53m $55m $235m $1.31bn 60% 61% 790 778 774 $260m $233m 65% $50m
Slide 26: Capital structure in place for long-term growth ambition
Capital structure in place for long-term growth ambition MONEYME’s diversified funding program includes nine FY25 funding mix across 9 structures structures with a total capacity of $2.1bn, including For personal use only more than $500m of undrawn capacity. $3.0bn Corporate facility (1 in FY25) Ass
Slide 27: 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 For personal use only Loans and credit cards typically approved withi
Slide 28: Enhanced operations and customer experiences through our technology
Enhanced operations and customer experiences through our technology For personal use only Proprietary AI Security MONEYME's proprietary artificial intelligence technology was advanced in FY25, Efficiency and data through AI & augmenting existing machine learning models with generative and agentic AI
Slide 29: 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. For personal use only Winning on experience Stronger offer Distribution and now able to to high-
Slide 30: Diversified product offerings
Diversified product offerings Vehicle loans Personal loans Credit cards For personal use only “Autopay has completely taken the friction out of auto finance “Service was exceptional, quick and easy process, the “Super-efficient online application and super easy to use, and no other lender can seem t
Slide 31: Our strategy and key areas of focus
Our strategy and key areas of focus For personal use only 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 deliver
Slide 32: 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 have a positive trajectory with scale. For personal use only $75m Risk-adjusted net interest margin (RNIM) expansion • Declining loss
Slide 33: Thank you for your attendance
For personal use only Thank you for your attendance Page 18 | (ASX:MME) Public
Slide 34: 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
Slide 35: moneyme.com.au
For personal use only moneyme.com.au Copyright 2025 | MoneyMe Limited | ACN 636 747 414 Public