• Loan book increased to $1.5bn, up 27% on pcp
• Originations up 65% on pcp, revenue remained strong at $53m
• Net credit losses down to 3.7%, secured loans at 61% of loan book

MONEYME's loan book increased to $1.5bn in 3Q25, up 27% on the prior comparable period (pcp) and 6% on the prior quarter. Originations were $227m, up 65% on pcp but down 3% on the prior quarter due to seasonality. Revenue remained strong at $53m, in line with pcp and up 6% on the prior quarter. Net interest margin was 8%, down 2% on pcp but maintained on the prior quarter, reflecting MONEYME's strategic focus on secured and higher credit quality assets. Net credit losses were 3.7%, down 1.1% on pcp and unchanged from the prior quarter, demonstrating continued strong credit performance. The proportion of secured loans in the loan book increased to 61%, up 11% on pcp and 1% on the prior quarter. MONEYME's average credit score also improved, increasing to 784, up 4% on pcp and 1% on the prior quarter. The company continued to generate operating cash profit and expects an operating cash profit of circa $20m for FY25. MONEYME refinanced and upsized one of its funding warehouses to support growth in personal loans and credit cards, and adjusted pricing for both new and existing customers following the RBA's March cash rate cut. The company continued to invest in proprietary generative AI to drive operational improvements and is developing a new credit card product.

MONEYME expects an operating cash profit of circa $20m for FY25.

MONEYME's strategy remains focused on extending its technology advantage, maintaining a focus on secured and high credit quality lending, reducing funding costs, expanding its product offering, and modelling strong ESG practices.