Peppermint Innovation Limited · ASX:PIL
Peppermint Innovation — Investor Presentation (October 2025)
16 slides from Peppermint Innovation's investor presentation, Oct 21, 2025
Slide 1: Driving Digital Growth across the Filipino Cooperative Sector
Driving Digital Growth across the Filipino Cooperative Sector
Slide 2: Disclaimer
DISCLAIMER INVESTOR BRIEFING This presentation prepared by Peppermint Innovation Limited (Company) does not this cautionary statement and no representation or warranty express or implied, contain all the information that a prospective investor may require in connection with is made by the Company, o
Slide 3: Corporate Structure
Corporate Structure INVESTOR BRIEFING $12.5M $0.005 2.51B SHARES ON ISSUE MARKET CAP SHARE PRICE $2 MILLION UNDRAWN OF $3 MILLION FACILITY TOP 20 SHAREHOLDERS 39% TOP 50 SHAREHOLDERS 57% TOP 100 SHAREHOLDERS 69% CHRISTOPHER KAIN ANTHONY KAIN NEAL CROSS BRAD JONES SHASHANK PAWAR NON-EXECUTIVE DIRECTO
Slide 4: Strategic Refocus: Scaling Across the Entire Cooperative Sector
Strategic Refocus: Scaling Across the Entire Cooperative Sector INVESTOR BRIEFING Peppermint Innovation is transforming into a pure-play digital wallet and payments operator built for national scale. The Philippines’ 13.6+ million Laser-focused on scaling cooperative members1 initially from 3.4 mill
Slide 5: The Peppermint Platform: Anchored in a Highly Valued, In-Demand Regulatory Framework
The Peppermint Platform: Anchored in a Highly Valued, In-Demand Regulatory Framework INVESTOR BRIEFING Electronic Finance Operator of Philippines Money Issuer Lending Payment Systems Payments Licence / Non- Company (OPS) & Merchant Management Inc. Bank Financial Acquiring (PPMI) RTGS CERTIFICATE OF
Slide 6: Key Milestones (Past 12 Months)
Key Milestones (Past 12 Months) BSP Merchant INVESTOR BRIEFING Acquiring Licence – Opens the door to enabled Merchants and Cooperative PESONet Testing offices to operate as payments Advisory Board Batch processing of large payments greater than centres utilising bizmoto platform Expansion Php50,000
Slide 7: Explosive Growth in Digital Payments
Explosive Growth in Digital Payments A ₱14 Trillion ($250B+) Opportunity1 INVESTOR BRIEFING INSTAPAY TRANSACTION VOLUME 3 TRANSACTION VALUE 3 ↑859% (51.5M→494M+ per month ↑192% (₱347B→₱1,017B+ per Jan 23 – Sep 25) month Jan 23 – Sep 25) Why This Matters TRANSACTION VOLUME 4 TRANSACTION VALUE 4 for P
Slide 8: Immediate Market Opportunity - Cooperative Sector
Immediate Market Opportunity - Cooperative Sector INVESTOR BRIEFING 13.6M 20,000+ Total Filipino Individual Cooperatives – Large, ACCESSIBLE NOW 3.4M MASS-SPECC Individual 366 MASS-SPECC Member Cooperative Members1 Medium, Small and Micro 1 Members 2 Cooperatives Sector remains largely manual, creat
Slide 9: Explosive 12 Month Growth
Growth Engine Engaged: Users and Activity Deepening in Tandem INVESTOR BRIEFING Explosive 12 Month Growth 2,271 47,540 Registered Users Registered Users (Aug 2024) (Aug 2025) ₱650M ~ $17M Total Transaction Value (TTV) Average Monthly Cumulative Growth Rate ~ 25% Why Co-operatives Are Key to Growth •
Slide 10: From Growth to Tipping Point
From Growth to Tipping Point Target ~ 10x in 12 Months INVESTOR BRIEFING Aspirational PCM User Adoption & Transaction Value Growth 1200000 2500 1000000 2000 800000 Users 1500 600000 Funds (₱ Millions) 1000 400000 200000 500 0 0 Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sept 2025 2026 PCM/TAGUM TOT
Slide 11: Growth Strategies ~ Multi-Program Approach
Growth Strategies ~ Multi-Program Approach INVESTOR BRIEFING Cooperative Community Marketing Product & Platform Onboarding at Scale & Engagement Enhancements Roll out the Pinoy Coop Mobile (PCM) app Grassroots campaigns: SMS, local events, QR code sign-up and push notifications to across MASS-SPECC
Slide 12: User Acquisition & Engagement Drivers
User Acquisition & Engagement Drivers INVESTOR BRIEFING A digital wallet must provide thousands of accessible physical cash- in and cash-out locations, backed by reliable nationwide digital integrations. How Peppermint Achieves this: Expanding Physical Digital Interoperability – Cooperative Channel
Slide 13: Revenue Drivers
Revenue Drivers INVESTOR BRIEFING Peppermint’s licences and payment rails translate directly into multiple, compounding revenue streams. Every cooperative member on-boarded, and every transaction processed brings the company closer to its North Star: 10 transactions per user/month = ~$1 of predictab
Slide 14: Competitive Moat ~ From Opportunity to Execution
Competitive Moat ~ From Opportunity to Execution INVESTOR BRIEFING Unique Low-Cost, Licences & Cooperative Proven Sticky Digital Rails Distribution Traction Growth Model • Electronic Money Issuer • Exclusive access to MASS- • PCM users up 4.5× in six • Community-based (EMI) & Operator of Payment SPE
Slide 15: North Star
North Star 1Million Driving Recurring Revenue INVESTOR BRIEFING Users at $1 revenue and Shareholder Value per user per month 500K 100K 51K Scaling Growth North Star Revenue Engines Market Ready Metric Scenarios Engaged • PCM mobile app deployed • Every monthly active user • 100k MAUs → ~$100k/month
Slide 16: Contact Us
CONTACT US: Chris Kain Paul Berson Managing Director & CEO Investor Relations Peppermint Innovation Corporate Storytime chris.kain@pepltd.com.au paul@corporatestorytime.com +61 8 6255 5504 +61 421 647 445
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