• Loan book grew 27.8% to $1.61 billion, driven by 54.3% increase in new originations
• Secured $125 million corporate facility and completed two ABS transactions to optimize funding
• Accelerated AI adoption, driving 30% higher customer satisfaction in AI-assisted interactions

MoneyMe Ltd has reported its FY25 annual results, delivering strong growth, improved credit performance, and solid operating cash flows. The company's loan book grew by 27.8% to $1.61 billion, driven by a 54.3% uplift in new originations to $915.3 million. This growth was achieved while maintaining lower net credit losses and generating strong operating cash flows. MoneyMe's strategy of prioritizing secured lending and high credit quality has compressed its net interest margin in the short term but has also reduced its cost of funds and strengthened its credit performance. The company has also expanded and optimized its funding program, securing a new $125 million corporate facility, executing two public ABS transactions, and renewing and upsizing its warehouse facilities. These funding initiatives have increased MoneyMe's capital efficiency, lowered its cost of funds, and provided ample capital to support its growth ambitions. The company has also accelerated the adoption of artificial intelligence across the business, driving improvements to customer service, credit decisioning, and operational efficiency. Generative AI deployed in customer service has achieved up to 30% higher customer satisfaction. Looking ahead, MoneyMe expects continued strong loan book growth, with an acceleration in the second half of FY26 as it launches a new credit card offering and expands its Autopay product. The company's focus remains on extending its technology advantage, maintaining a focus on secured and high credit quality lending, optimizing funding costs, broadening its product set, and modeling strong ESG practices.

MoneyMe expects continued strong loan book growth in the first half of FY26, with an acceleration in the second half as it launches a new credit card offering and expands its Autopay product. The company's focus on secured and high credit quality lending, optimized funding, and increased operating leverage is expected to drive a stronger risk-adjusted net interest margin and accelerate its return to statutory profitability.

MoneyMe is well-positioned to capture the next chapter of growth, with a strengthened capital structure, increased operating efficiency, and a focus on expanding its product offering and distribution channels. The company expects to continue delivering high-quality growth, further optimizing its funding program, and advancing its proprietary technology and AI capabilities to drive improved customer experiences and credit decisioning.