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1 FY 2025 RESULTS INVESTOR PRESENTATION Sydney, 18 August 2025 Indy Singh – Executive Chairman, Fiducian Group Rahul Guha – Executive Chairman, Fiducian Services For personal use only
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2 Agenda FY2025 Full Year Update • Business Overview • Financials • Key Dates and Contacts For personal use only
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3 FY2025: Platform Administration • Net Inflows $343 million in FY2025 from our salaried and franchisee advisers • Almost 100% of Inflows from our aligned advisers are invested through Fiducian platform and in Fiducian multi- manager funds • Funds Under Administration (FUAdm) in Core platform, Auxilium and Badges: • $3,547 million as at June 2024 ($3,349 million average FY2024) • $4,083 million as at June 2025 ($3,785 million average FY2025) • $4,181 million as at July 2025, which is 10% over the FY 2025 average • With the potential of contributing an additional annualised revenue of $1.6 million • Advanced leading-edge technology platform linked to financial planning software • Fiducian branded Core platform primarily catered towards the requirements of aligned Advisers: Investment menu comprising Fiducian Funds and Managed Accounts, 30 external Managed Funds, Shares and Term Deposits tailored to financial adviser and client demands BUSINESS OVERVIEW For personal use only
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4 • PBT Margins 60% of Gross Revenue including margins from cash held in the platform BUSINESS OVERVIEW Platform Administration – Net Flow and Revenue For personal use only
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5 • New IFA products starting to build scale • Low-cost value proposition, Auxilium, directly competing to disrupt the existing disruptor platforms through in-house technology, extensive product menu, advanced reporting capabilities and high standard of service • Badges offered to dealer-groups requiring customised product offerings • Strong momentum in distribution and relationship building – industry opportunity approximately 10,000 Authorised Representative (AR) • Excellent response from users in relation to product offering, features and level of service received • Extensive investment menu: ASX listed and International shares, Exchange Traded Funds, Managed funds, Managed Accounts and Bank Term Deposits. Capability to add further investment options based on adviser demands • Enhanced SMA Fund launched – ability for advisers to select and customise from a wide range of assets • $124 million Net inflows during the year • Total FUAdm $236 million as at June 2025 in Auxilium and badged products from Independent Financial Advisers BUSINESS OVERVIEW Platform Administration – Auxilium and Badges For personal use only
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6BUSINESS OVERVIEW FY2025: Funds Management • Funds Under Management (FUM): • $5,171 million as at June 2024 ($4,804 million average) • $5,794 million as at June 2025 ($5,512 million average) • $5,918 million as at July 2025, which is 7% over the FY 2025 average • With the potential of contributing an additional annualised revenue of $1.9 million • Comprehensive offerings of Manage-The-Manager funds: 14 Managed Investment Schemes and 10 Managed Accounts For personal use only
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7BUSINESS OVERVIEW • Consistently superior results over long term against the world’s best fund managers in the Australian market • Over 20 years, the four Fiducian diversified funds ranked in the top decile to top quartile in 31 out of 64 readings against up to 161 fund managers on Zenith survey *Source: FE Fundinfo Australia July 2025 Past performance is not a reliable indicator of future performance and Fiducian does not guarantee the performance of the Funds or any specific rate of return. Funds Management Fiducian Funds Capital Stable 6.2% 29/92 5.6% 31/89 4.0% 36/86 4.0% 22/80 4.1% 14/72 Balanced 8.7% 27/94 8.8% 10/86 8.0% 8/81 6.7% 4/73 7.0% 2/62 Grow th 9.4% 66/161 9.8% 44/156 9.3% 21/149 7.5% 17/139 7.8% 2/130 Ultra Grow th 14.5% 5/104 11.2% 52/98 10.4% 50/92 8.0% 42/87 8.5% 17/76 Other specialist MTM funds Technology India 22.4% 16.3% 3.2% 12.6% 12.9% 1-year return (ranking) p.a. 3-years return (ranking) p.a. 5-years return (ranking) p.a. 7-years return (ranking) p.a. 10-years return (ranking) p.a. -4.9% 12.6% 9.4% 9.6% 9.1% For personal use only
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8 • Fiducian fund fees are market competitive to other single manager funds fees • Highly defensible products for Advisers • Added benefits for clients are access to multiple managers whose fees are paid by Fiducian through the relevant Fiducian Funds • As volumes increase Fiducian margins increase • New Zealand distribution continues through webinars and electronic direct marketing to financial advisers • PBT margins 54% of Gross Revenue including margins from cash held in the funds • Revenue grew in FY 2025 as the average FUM grew over the year due to market improvement BUSINESS OVERVIEW Funds Management For personal use only
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9 • Proven and time-tested Fintech capabilities underpin Fiducian’s successful business model • Market leading in-house systems: • ‘Fastrack’ Platform Administration System • ‘FORCe’ Adviser driven Financial Planning Software • ‘Fiducian Online’ Holistic Client reporting • Cyber security through Multi-Factor Authentication • Fiducian mobile app for client and adviser easy access BUSINESS OVERVIEW FinTech Capabilities For personal use only
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10 • Enabler of steady flows to Funds and Platform • 1 new office opened (Dubbo) – offices in all States • 77 Financial Advisers numbers across 46 offices • Inflow targets $6 million for each Financial Adviser • Revenue targets raised 10% to 20% per annum for Salaried Advisers BUSINESS OVERVIEW FY2025: Financial Planning For personal use only
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11 • Funds Under Advice (FUA): • $4,798 million as at June 2024 • $4,970 million as at June 2025 • $1,430 million in external platforms – work underway to transition clients to proven & successful compliant Fiducian process where in their best interest • Estimated $0.4 billion non-fee paying non-advised clients are in the process of being engaged or being removed – no revenue impact anticipated for the latter BUSINESS OVERVIEW 52% 48% Financial Planning For personal use only
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12 • As at June 25 headcount was 166 • Staff loyalty and knowledge base remain high. Continuing Training and professional development assist with growth, efficiency and motivation • Staff retention is key – salaries reviewed in July 2025 to remain competitive BUSINESS OVERVIEW Staffing For personal use only
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1313 Financials For personal use only
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14 FY 2025 Financial Highlights FINANCIALS For personal use only
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15 Segment Reporting FINANCIALS For personal use only
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16 FID outperformance against All Ords Accum Index FINANCIALS • Since June 2012, FID has outperformed All Ords by 1673% (including dividend reinvestments) • Dividend pay-out policy revised to 60-80% of Underlying Net Profit After Tax • H2 2025 dividend is 24.7 cents per share • FY 2025 full year dividends 46.60 cents per share (fully franked) For personal use only
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17 Dividends – $1,000 invested on 1 July 2012 • The graph shows that $1,000 invested in FID on 1 July 2012 delivered a fully franked dividend of $480.41 in FY2025 • Double digit EPS growth (based on UNPAT) in 19 out of 25 years since listing FINANCIALS For personal use only
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18 Funds Under Management, Administration and Advice (FUMAA) Growth ✓ Consistent FUMAA growth from organic and inorganic inflows Explanatory Notes: • FUA includes assets held in Fiducian and External platforms • FUM includes cross holdings from diversified funds into sector/specialised funds. Excluding cross holdings, FUM is $3,529 million • FUAdmin includes the Aligned dealer-group $3,540 million, Independent Financial Advisers (IFAs) $308 million in Core platform and $236 million in Auxilium and Badges FINANCIALS For personal use only
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19 The following is a conceptual extrapolation of how increasing scale could lift UEBITDA at an accelerating rate above a corresponding increase in cost base: Projecting the Potential: Conceptual Representation FINANCIALS Funds under Management, Administration and Advice (FUMAA) & UEBITDA • This is not a projection or forward-looking statement and should not be read or relied upon as such. This conceptual extrapolation may or may not be correct or accurate • This is simply extrapolating how revenue and UEBITDA could grow and is not a forecast • Acquisition of PCCU in February 2022 has accelerated our journey along the green line Note: The solid lines and graphs represent actuals while the dotted and shades represent conceptual representations For personal use only
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20 Key Dates and Contacts Media Relations: Julie Hargrave Head of Marketing and Communications +61 2 8298 4621 juliehargrave@fiducian.com.au Retail Investor Presentation (Online) • Time / Date: 12:30 to 1.30 pm AEST, Monday 18 August 2025 • Registration link: https://web-eur.cvent.com/hub/events/04ac4ec3-342a-46f6-b1fa-3e986edc7fb2/landing Key Dates • Final Dividend Record Date: 01 September 2025, Payment Date: 15 September 2025 • Annual General Meeting (Hybrid) date: 09 October 2025 Contacts Investor Relations: Rahul Guha Executive Chairman, Fiducian Services +61 2 8298 4600 rahulguha@fiducian.com.au For personal use only
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21 Information in this document and given in the presentation is of a general nature. It is not intended to be, nor does it, con stitute financial, legal or tax advice. The information is given in good faith and, although care has been exercised in compiling it, Fiducian Group Limi ted and the other members of the Fiducian Group (Fiducian) neither represent nor warrant that the information is free of errors, omissions or i naccuracies. Fiducian takes no responsibility for losses suffered by a person relying on the information except for statutory liability th at cannot be excluded. Do not rely on this information without first seeking professional advice based on your own personal circumstances. Information provided is current as at 30 June 2025 unless otherwise mentioned. Figures presented are subject to rounding. Pri or period figures may have been restated where applicable to be on comparable basis with the current period. The information was prepared on 14 August 2025. Disclaimer For personal use only
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22 Disclaimer Source: Zenith funds survey. © FE fundinfo (Australia) Pty Limited ABN 18 601 868 311 (FE fundinfo), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1297668. Data provided by FE fundinfo does not constitute financial product advice. However, to the extent that any information in this document constitutes advice, it is General Advice (s766B Corporat ions Act) for Wholesale clients only and FE fundinfo has not taken into account the objectives, financial situation or needs of any specific person who may read it, including target markets of financial products, where applicable. It is not a specific recommendation to purchase, sell o r hold any product(s) and is subject to change at any time without prior notice. Individuals should seek their own independent financial advice before making any investment decision and should consider the appropriateness of any advice in light of their own objectives, financial situations or need s. Investors should obtain a copy of and consider any relevant PDS or offer document before making any decision. Data is provided in good faith a nd is believed to be accurate, however, no representation, warranty or undertaking in relation to the accuracy or completeness of the data is prov ided. Data provided is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except fo r any liability which cannot be excluded, FE fundinfo does not accept any liability for any errors or omissions, whether direct or indirect, arising from use of data or information contained in this document. Past performance is not an indication of future performance. Full details regarding F E fundinfo’s contact details are available at https://www.fefundinfo.com/en-au/contact-us/. Returns are accurate as at 31 July 2025, returns after fees are annualised over 1 year. Fiducian Investment Management Servic es Limited ABN 28 602 441 814, AFSL 468211, a subsidiary within the Fiducian Group, issues this publication for general information only. The information in this document is given in good faith and we believe it to be reliable and accurate at the date of publication. The Fiducian Group and its officers give no warranty as to the reliability or accuracy of any information and accept no responsibility for errors or omissions in the pub lished information. It does not purport to be advice and does not have regard to any investor’s individual circumstances, objectives, financial situation or needs. Potential investors should also obtain and consider the relevant Target Market Determination (TMD) and Product Disclosure Statement (PD S) (available from your financial adviser and via fiducian.com.au) before making a decision about whether to acquire or continue to hold an y financial product. You should assess whether the information is appropriate for you and consider obtaining independent taxation, legal, financia l or other professional advice before making an investment decision. Except to the extent that it cannot be excluded, the Fiducian Group accepts no liability for any loss or damage suffered by anyone who has acted on any information in this document. Past performance is not a reliab le indicator of future performance and Fiducian Group does not guarantee the performance of the Funds or any specific rate of return. For personal use only