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1 ASX Announcement 20 August 2026 peppermoney Pepper Money Limited Level 27 , 177 Pacific Hwy , North Sydney NSW 2060 t +61 2 7227 1510 w peppermoney.com.au Pepper Money 1H 2026 Results Announcement Total Assets Under Management - $ 24.0 billion - a new record for Pepper Money . Originations - $ 6.3 billion increased 40 % vs 1H 2025 . Net Interest Margin ' up 12 bps² on PCP³ - closed at 2.10 % . Statutory Net Profit After Tax $ 50.4 million up 7 % on PCP , and Pro - forma Net Profit After Tax $ 53.9 million up 15 % on PCP . Fully franked Interim Dividend of 7.2 cps³ declared . Dividend annualised yield of 9.5 % 6 . Operating and financial results ? Pro - forma NPAT of $ 53.9 million , increased 15 % on 1H 2025 . Statutory NPAT of $ 50.4 million , an increase of 7 % on PCP . Profit pre - Tax and Loan Loss Expense of $ 127.8 million grew 17 % on PCP . Total Originations of $ 6.3 billion , are the highest achieved in any given half in Pepper Money's history and delivered growth of 40 % on PCP . 。 Mortgage Originations closed 1H 2026 at $ 4.5 billion , 63 % on PCP - the highest reported Originations in any given half year . Growth was strongest in Prime which accounted for 79 % of Originations , up from 70 % in 1H 2025 , with Non - conforming contributing 21 % of Originations . Asset Finance closed 1H 2026 with Originations of $ 1.7 billion , a growth of 2 % on PCP . Novated Lease delivered the strongest absolute growth , increasing 8 % on 1H 2025 , and contributing 52 % of total Asset Finance Originations for the period . Origination mix was split Tier A : 78 % Tier B : 20 % and Tier C : 2 % ( 1H 2025 : 75 % , 22 % and 3 % respectively ) . Total Assets Under Management ( AUM ) reached $ 24.0 billion at 30 June 2026 , up 20 % on 30 June 2025 and 10 % on 31 December 2025 , setting a new record for Pepper Money : 。 Mortgage AUM closed June 2026 at $ 12.5 billion , up 32 % on 30 June 2025 close . A Whole Loan Sale of $ 0.4 billion was executed in March 2026 ( 1H 2025 : $ 1.7 billion ) . Asset Finance AUM closed June 2026 at $ 6.0 billion , down ( 4 ) % on PCP following the execution of a $ 1.0 billion Whole Loan Sale in May 2026 ( 1H 2025 : nil ) . ○ Servicing AUM closed June 2026 at $ 5.5 billion , up $ 1.1 billion on PCP , following growth in Whole Loan Sales , net of customer attrition . Pepper Money Limited | ABN 55 094 317 665 Australian Credit Licence 286655 | AFSL 286655