Good morning and welcome all. My name is Helen Kurincic, the Board Chair of McMillan Shakespeare. I'm delighted to be able to extend a warm welcome to our shareholders and guests to our 2025 Annual General Meeting, joining us both in person and online. Firstly, I'd like to acknowledge the traditional owners of the lands across Australia and recognize their cultures and continuing connection to land. I'm speaking from Melbourne, which is the traditional country of the Wurundjeri people of the Kulin Nation, and I pay my respects to their elders, past and present. I'm advised that there is a quorum, so in accordance with Clause 16.4 of the Company's Constitution, a quorum of members is present, and accordingly, I declare the Annual General Meeting open.
The notice of meeting was distributed to all shareholders on the 13th of October 2025, and I'll take the notice of meeting as read. All attendees can watch and listen to the live webcast of the meeting. In addition, shareholders and proxies have the ability to ask questions and submit votes. Questions can be submitted at any time. To ask a question, select the Q&A icon, select the topic your question relates to, type your question into the chat box at the bottom of the screen, and press send. Please note that you can submit questions any time from now, and I'll address them at the relevant time of the meeting. Please also note that your questions may be moderated, or if we receive multiple questions on one topic, amalgamated together. For those shareholders who wish to ask a verbal question, an audio questions facility is available during this meeting.
To use the service, please follow the instructions on the virtual meeting platform. Voting today will be conducted by way of a poll on all items of business. In order to provide you with enough time to vote, I'll shortly be opening the voting for all resolutions. At that time, if you are eligible to vote at this meeting, a new polling icon will appear. Selecting this icon will bring up a list of resolutions and present you with voting options. To cast your vote, simply select one of the options. There is no need to hit a submit or enter button, as your vote is automatically recorded, and you can change your vote up until the time I declare voting closed. I now declare voting open on all items of business. The polling icon will soon appear.
Please submit your votes at any time, and I'll provide you with a warning before voting will be closed. The proxies received in advance of the meeting are held by the Company share registry and available for. I'd like to introduce you now to the directors of the Company who are attending the meeting today and who are on the live webcast. We have non-executive directors, Kathy Parsons, who's our Chair of the Audit Risk and Compliance Committee, Bruce Akhurst, the Chair of the People, Culture and Remuneration Committee, Arlene Tanzi, Ross Jasari, and John Bennetts. We're also joined by Managing Director and CEO, Rob De Luca, our CFO, Paul Varro, and General Counsel and Company Secretary, Michelle Sukirka. I also note the presence of Brett Kallio, representing the audit firm of Ernst & Young, and thank Brett for his attendance today to respond to any questions.
I'll move to my Chair address. Along with my board colleagues, the time we spend seeing our people interact with our customers across the business reinforces our pride in helping over 500,000 Australians and New Zealanders access the benefits of salary packaging, novated leasing, fleet management, and NDIS plans. The services we provide are essential in helping our customers, especially given the ongoing cost of living pressures. We assist individuals, companies, and governments in transitioning to a low carbon economy. We support NDIS participants in managing their plans and accessing services to achieve their goals, while also supporting the integrity and sustainability of the NDIS scheme. During the year, we completed the multi-year Simply Stronger program, aimed at delivering enhanced customer experiences, superior digital solutions, and technology-enabled productivity to support long-term growth.
This was a significant investment for your company and is already starting to deliver improved customer outcomes and productivity gains. Throughout the year, we've continued to deliver on our responsible business strategy. We've reduced our environmental impact and made a positive difference to our customers and communities. The importance of providing sustainable services is reflected in our strategy, our clear customer focus, and in turn, our financial performance. We have achieved this while again providing sustained returns for our shareholders. In FY2025, your company delivered revenue growth across all three segments, contributing to group normalized revenue of AUD 541.6 million, which was up 3% on PCP. In the period, AUD 20.8 million was invested in growth and productivity initiatives, which saw total expenses up 6.9% for the year.
Most of this investment was directed to our Simply Stronger program, which is now complete and already starting to deliver stronger customer experiences and productivity gains. Despite these investments, your company maintained strong margins with group normalized EBITDA margin of 31.2%. Normalized NPAT of AUD 103.2 million was down 4.1% for the full year, reflecting the investments in growth and productivity, while statutory NPAT was up 14.1% to AUD 95.3 million. One of the key highlights for the business in FY25 was the performance of onboard finance. Onboard finance has now scaled, with receivables at the end of the financial year of approximately AUD 503 million. Onboard finance successfully completed its inaugural private placement of AUD 300 million in debt facilities, which was supported by strong interest from global financiers, validating the scalability and strength of the onboard funding model. Onboard diversifies our funding and helps manage the company's risk profile.
It provides MMS with a sustainable new source of income and a recurring revenue stream. FY2025 will mark the final year of normalization, with GRS to be reported without adjustments from FY2026. This brings me to the performance for our shareholders. Normalized return on capital employed was 63.4%, up 1.3 percentage points. Your company delivered you returns with normalized earnings per share of AUD 1.482. In line with these results and our commitment to shareholder returns, the board declared a fully franked final dividend of AUD 0.77 per share, bringing the full year dividend to AUD 1.48 per share, representing a 100% payout ratio of normalized earnings and a dividend yield of 8.3%. We've maintained a consistent capital allocation policy, reinvesting for growth, considering strategic acquisitions and deleveraging before returning capital to shareholders. Through the year, we maintained our net debt to EBITDA ratio at 0.5 x.
Our dividend policy targets a 70%-100% NPAT payout. Dividends were paid out of normalized NPAT, reflecting the commitment to ensuring shareholders were not negatively impacted during that warehouse transition period. This transition has been successful and is now complete. Turning now to the continued delivery of your group's sustainability strategy. Sustainability is an important component of our broader strategy and aligns with the company's purpose of making a difference to people's lives. Your company is committed to helping customers and clients transition to a lower carbon economy while reducing the carbon footprint of our own operations. In FY2025, 48% of all new novated lease sales were battery electric or plug-in hybrid electric vehicles, and 54% of MMS's ANZ car fleet consisted of lower emission vehicles.
In supporting the transition to a lower carbon economy, our on-the-go EV charge card for our customers is now accepted at more than 300 locations. In being a responsible business, your company plays a role in educating and supporting customers and communities to help them achieve better social and well-being outcomes. Our PSS businesses delivered over 65,000 hours of education to NDIS providers and customers, and our partnership with Wheelchair Rugby Australia supported adaptive sports participation and the 2025 Wheelchair Rugby World Challenge. The company extended its partnership with Jigsaw Australia to promote mainstream employment for people with disability, while assisting approximately 43,000 PSS customers to participate more fully in social and economic life, furthering their NDIS goals. In FY25, we earned Great Place to Work and Customer Service Institute of Australia accreditations, highlighting our continued commitment to employee engagement and service excellence.
We continue to integrate ESG principles throughout the business, and we're delighted to have maintained our Morgan Stanley Capital International MSCI ESG AA rating. From January 2025, the AASB S2 climate-related disclosures came into effect for eligible businesses. MMS has taken further steps towards compliance with the new reporting regime, such as undertaking review and revalidation of climate-related risks and opportunities that may impact our operations and reasonably impact MMS's prospects. We'll be reporting against the climate-related disclosures for the FY26 period. I'd like to formally thank my fellow non-executive directors for their commitment and contribution to the group over the past year. We have high-caliber board members with diverse skills and experience who work to support the interests of our shareholders. The board has set a clear, focused, and ambitious strategy to achieve our vision, to be a trusted partner, and to secure sustainable growth.
Our performance is achieved through the work and commitment of every single one of our MMS people, led by our CEO and Managing Director, Rob De Luca, and his executive team. Thank you to all of our customers and clients who engage us as their trusted partner. We will continue to focus on enhancing quality and access to the important services we provide, and we thank you, our shareholders, for your support of the company. I will now pass over to our CEO and Managing Director, Rob De Luca.
Thank you, Helen, and good morning, and thank you for joining us for the MMS Annual General Meeting for the 2025 financial year. As Helen mentioned, my name is Rob De Luca, and it is my privilege to serve as Managing Director and Chief Executive Officer of MMS.
In my presentation this morning, I will provide you with an overview of each of our segments' financial and operating performance during FY2025, highlight the progress on our strategic investments, and provide an overview of our FY2026 outlook and focus. Starting with the FY2025 business overview, I'm pleased to report that our group delivered both revenue and customer growth, underscored by disciplined execution of our strategy and the delivery of tangible benefits from investment in our multi-year Simply Stronger program. Group normalized revenue was up 3% on PCP, underpinned by revenue growth across all three segments. Our group remuneration services segment saw normalized revenue up 0.3%, asset management services revenue was up 4.3%, and plan and support services revenue was up 11.5%. Revenue performance was underpinned by business and customer growth.
We delivered 4.1% growth in novated lease sales in GRS, 6.4% growth in AMS written down value, and 21.5% customer growth in PSS, including the acquisition of My Plan Support, or 10.5% excluding the acquisition. In addition to the organic customer growth in PSS, the acquisition of My Plan Support has added 3,800 new customers to our platform, further enhancing our capacity for growth. While we delivered customer and revenue growth in the period, we also continued to invest in superior digital solutions to benefit the customer and partner experience, productivity, and future growth. Over the past 12 months, we have made strong progress on our strategy and are delivering results from our strategic investments. Our new My Maxxia app is already rated 4.5 stars since launching earlier in the year. We've seen strong digital adoption, which in turn is driving productivity, with customers per FT up 15% year on year in July.
In GRS, we have been using AI and data tools with our telephony platform to now label and analyze customer interactions in real time, providing insights to help improve the customer experience while also reducing after-call work for agents. While early in our application, in October 2023, we achieved a 10% reduction in after-call work time across our agents versus PCP. We expect to see this reduce further to a total of 23% by December this year. In PSS, our use of AI and robotics are strengthening fraud detection and streamlining our processing with a 56 percentage point increase in the number of invoices processed digitally in the month of June. In AMS, our digitized trade-in process has led to a 19% increase in sales from our GRS novated customers half on half, demonstrating the benefits of our complementary and trusted businesses.
In Oly, the introduction of our end-to-end digital platform has streamlined SME employer interactions with reporting and compliance in one centralized location. In just over a year, Oly went from a concept to accounting for 4.7% of all GRS novated sales in the month of June. These strategic initiatives are delivering tangible improvements to the customer experience and productivity gains, while strengthening our capabilities as an organization and creating opportunities for long-term sustainable growth. I will now turn to our FY26 outlook and focus. Our outlook for FY26 is consistent with that provided with the FY25 results presentation, noting the cash rate remains unchanged. From an auto sector perspective, we expect auto supply and used car values to remain broadly consistent with the second half of FY25. From a regulatory perspective, the federal government is committed to review the FBT exemption for battery electric vehicles by mid-2027.
Following the NDIS 2025-2026 pricing review, monthly plan management fees remain unchanged, though setup fees have been removed from July 2025, which represented 7.9% of PSS FY25 revenue. From a business perspective, we expect to deliver customer growth across all segments, supported by ongoing NDIS participant growth and new client wins in GRS and AMS, which will be progressively onboarded over the financial year. Our experience in Q1 FY26 supports this, with customer growth on PCP in salary packages, novated leases, AMS fleet units, and PSS customers. The benefits of our strategic investments will increase over the year, while the non-recurring costs related to these investments will be removed. As previously noted, onboard finance normalization concluded FY25. Our focus remains on disciplined investment and execution of our strategic priorities, excelling in customer experience, driving simplicity and technology enablement, and delivering valued solutions.
We are optimistic about the future and the prospects for long-term sustainable growth for MMS. Before I close, I would like to thank our people for their commitment, our customers for their trust, and our shareholders and board of directors for their ongoing support. Together, we are delivering on our vision and positioning MMS to deliver long-term sustainable growth. Thank you.
Thanks, Rob. We now come to the formal business of the meeting. Each item of business will be discussed in turn, and shareholders will have the opportunity to ask questions on that item of business. Questions which relate to the general business of the company will be collected and addressed at the conclusion of the meeting as well. You can submit a question by clicking on the Q&A icon.
If you're having difficulties in asking a question, please refer to the user guide, which can be accessed through the platform. The first item of business listed in the notice of meeting is to receive and consider the financial report, director's report, and independent audit report of the company and its controlled entities for the financial year ended 30 June 2025. In accordance with the Corporations Act, there is no vote on this item. This item of business provides shareholders with the opportunity to ask questions about the reports and management of the company generally. Are there any questions on this item?
We've received one question in advance. That question is from Christine Hayden, Volunteer Monitor of the Australian Shareholders Association.
She asks, "Is it good to hear that the novated lease market has been broadened to small and medium businesses as plug-in hybrids are no longer considered zero emissions under the FBT rules? How has that impacted the business?"
Thanks for the question, Christine, on behalf of the Australian Shareholders Association. As we expected, we actually did see with the conclusion of the plug-in hybrid FBT discount in April a temporary spike in sales in Q3 of FY2025. In terms of the question around impacts on the business, what we have seen since the introduction of the legislation is a greater awareness of novated leasing overall right across the board. Along with the introduction of our new brand of Oly targeting the small and medium part of the market, we do see great opportunities for growth in novated leasing overall. Are there any other questions?
There are no further questions online.
Any other questions? Okay, if there's no questions, I'll proceed with the resolutions to be considered. I'll appoint David Squires of Computershare Investor Services as a returning officer for the purposes of conducting the poll on each resolution. As I mentioned at the start of the meeting, voting on the resolutions is currently open, and you can vote at any time until I declare the voting closed. Results will be released to the ASX after the conclusion of the meeting. Please note that only shareholders, proxy holders, or authorized shareholder representatives may vote. Any directed proxies given to you by a shareholder will automatically be cast as directed when the poll is closed. In respect of undirected proxies, subject to any voting restrictions and exclusions, I intend to vote in favor of all resolutions on the agenda.
The voting icon is available within the navigation bar. Once you click on this, the resolutions will appear on your screen along with the for, against, and abstain voting options. Simply select one of these options to cast your vote. When voting is closed, your final voting selection will be recorded. If you have any difficulties, please refer to the user guide, which can be accessed through the platform. Let's get to item two. Item two relates to the adoption of the remuneration report of the company for the financial year ended 30 June 2025, which is set out in the directors' report on pages 24 to 43 of the 2025 annual report. The remuneration report sets out the company's remuneration policy for its executives, employees, and directors.
The company strives to ensure that its remuneration report is clear, transparent, and demonstrates your board's objective of ensuring the alignment of executive reward with the creation of shareholder value and the current market practices have been duly considered in terms of both quantum and structure of the company's remuneration framework. The resolution before the meeting is that for the purposes of Section 250(a)(2) of the Corporations Act 2001 and for all other purposes, the company's remuneration report for the financial year ended 30 June 2025, as contained in the director's report, be adopted. The board unanimously recommends that shareholders vote in favor of adopting the remuneration report. I'll now put the resolution to the meeting. A summary of the votes received before the meeting now appears on the screen. Are there any questions in relation to the remuneration report?
Chair, we've received one question in advance from Christine Hayden, Volunteer Monitor of the Australian Shareholders Association. She has asked, "Will the board please consider issuing a reminder to shareholders prior to the close of voting deadline to encourage further participation?"
Thanks, Christine. We're really committed to shareholder participation, and certainly I think we can look at what we might be able to do in terms of sending out email reminders without it being too much as well in terms of the emails that shareholders are receiving. Certainly something that we'd like to be able to look at to see if there's a better way that we can encourage further shareholder participation at the AGM. Are there any other questions?
There are no further questions in relation to this resolution. Thank you.
The company will disregard any votes cast on item two by all key management personnel and their closely related parties, except where that vote is cast by them as a proxy for a person who's entitled to vote. As the next resolution relates to my reelection as director, I'll hand the chair to the company's People, Culture and Remuneration Committee Chair, Mr. Bruce Akhurst.
Thank you, Helen. Good morning, everyone. Item three is the reelection of Helen Kurincic as director of the company. Details of Helen's background, qualifications, and experience are set out in the notice of meeting. A summary of the proxy votes received before the meeting is on the screen. I'd now like to invite Helen to say a few words.
Thank you, Bruce, and thank you, shareholders, for considering my election as an independent, non-executive director of our company.
As Chair of your board, I'm deeply committed to the success of this company. I believe I bring the listed company governance, leadership experience, strategy development, execution, and risk management skills essential to the role. I also am Chair of the Nomination Committee and am a member of the Audit Risk and Compliance Committee, as well as the People, Culture and Remuneration Committee. To date, I've had a board governance career across 15 listed, private equity, and not-for-profit entities. My background means I have a good understanding of our company's customer base, highly regulated industries and companies, and a firm commitment to stakeholder engagement. I'm proud of the diversity of thinking, the robust discussion, and constructive challenge evident in the culture of this board. Throughout my career, I've been devoted to the study and practice of high-performance cultures, governance integrity, and building capability.
MMS has a clear opportunity to further improve and work to deliver greater value for our shareholders. I certainly feel the importance of the responsibility to serve on this board on behalf of MMS shareholders, and thank you again for your past support and current consideration of my reelection.
Thanks very much, Helen, and thanks for standing again. Are there any questions in relation to this resolution? There are no questions in relation to this resolution. The board, excluding Helen, as this resolution is for her reelection, recommends that shareholders vote in favor of this resolution. The resolution before the meeting is that Ms. Helen Kurincic, a director retiring from office in accordance with Clause 20.2 of the Constitution, being eligible, is reelected as a director of the company. I now put the resolution to the meeting. Thank you, and I'll hand the chair back to Helen.
Thanks, Bruce.
Item four is the reelection of Arlene Tanzi as director of the company. Details of Arlene's background, qualifications, and experience are set out in the notice of meeting. A summary of the proxy votes received before the meeting is on the screen. I'd now like to invite Arlene to say a few words.
Thank you, Helen, and good morning, Chair, fellow shareholders, and guests. Thank you for the opportunity to address you as I seek support for reelection to the board of McMillan Shakespeare. Earlier this year, I sat with one of our call center operators. He didn't just explain a novated lease issue to our client. He walked him through practical steps and made our client feel supported. It was a simple reminder. Behind every transaction is a person, and behind every platform is a team that cares.
That's why our values matter and why I'm proud to serve on the board of McMillan Shakespeare. As a director, my focus is helping MMS both perform and transform, guided by our values of caring for people, collaborating to do the right thing, and continuously raising the bar. During my tenure, the board has also maintained a disciplined capital management framework so we can operate effectively, fund growth, and deliver sustainable long-term returns to shareholders. We've strengthened and expanded our NDIS footprint, supporting growth in services for participants and providers. At the same time, we've invested in the future through supporting development of software that underpins our digital platforms and improves customer experience. My specific contributions working through our board with management include committee service and governance, serving on the Audit, Risk, and Compliance, Nomination, and People, Culture, and Remuneration Committees, drawing on experience across many boards and regulated industries.
Supporting MMS's three-year digital and AI-enabled roadmap, helping to shape our ambition and risk appetite as we drive more efficient operations, increase AI-driven customer platforms, and unlock cross-segment opportunities. Contributing to the simplification of MMS through support for diversification—sorry, for the divestment of U.K. operations and several bolt-on acquisitions with a focus on disciplined integration and long-term value, and assisting with capital and risk discipline, relying on my background in business, technology, and transformation skills. I bring a practical lens to capital allocation and risk, supporting growth while protecting shareholder value. I remain active in other organizations, keeping close to leading practice in digital and AI, cyber, people, and governance, perspectives I bring to complex decisions at this board. MMS is a strong business with trusted brands, a resilient model, and with a clear path to create long-term value for customers, employees, and shareholders.
If reelected, I will continue to support management, challenge constructively, and represent all shareholders with independence and care. Thank you for the opportunity to serve. I respectfully ask for your support for my reelection. Thank you.
Thanks, Helen. Are there any questions in relation to this resolution?
We have not received any questions in relation to this resolution.
The board, excluding Arlene, as this resolution is for her reelection, recommends that shareholders vote in favor of this resolution. The resolution before the meeting is that Ms. Arlene Tanzi, a director retiring from office in accordance with Clause 20.2 of the Constitution, being eligible, is reelected as a director of the company. I'll now put the resolution to the meeting. Item five relates to the issue of performance rights to the CEO and managing director. A summary of the proxy votes received before the meeting is on the screen.
The resolution before the meeting is that for the purpose of ASX Listing Rule 10.14 and all other purposes, approval be given for the issue to the CEO and Managing Director, Mr. Rob De Luca, up to 55,123 performance rights under the company's executive incentive plan and for the issue of shares on the exercise of those performance rights. Are there any questions in relation to this resolution?
There are no questions in relation to this resolution.
The company will disregard any votes cast on item five by Mr. De Luca or an associate who is eligible to participate in the executive incentive plan, except where that vote is cast by them as a proxy for a person who is entitled to vote. I will now put the resolution to the meeting. Item six relates to the increase in the maximum aggregate cap of non-executive directors' remuneration.
A summary of the proxy votes received before the meeting is on the screen. The resolution before the meeting is that for the purposes of ASX Listing Rule 10.17 and for all other purposes, the maximum aggregate amount of remuneration that may be paid to the company's non-executive directors in any financial year is increased by AUD 300,000 from AUD 1.2 million to AUD 1.5 million effective immediately. Are there any questions in relation to this resolution?
Chair, we have received one question in advance from Christine Hayden, Volunteer Monitor of the Australian Shareholders Association. She asks, "On the board skills matrix, we notice the high level of capability in governance, strategy, leadership, and risk management, which is what shareholders would like to see. Digital transformation, data, and technology is rated as only 43% of the board with significant expertise.
How do you propose to improve in this area, and does the increase in director fees assist?
A great question, Christine, and certainly something that's very topical, I think, for all boards and nomination committees in terms of thinking about digital data and obviously very topical sort of AI aspects. In terms of a couple of ways in which I'll answer that, there's probably three main points I want to focus on. One is our ongoing development as directors and our own responsibilities in the same way as our expectations are there for our workforce in terms of keeping up with each of those areas.
We do upskill both in terms of what we provide in terms of development for directors at MMS through professional associations like the Australian Institute of Company Directors, our own use of AI tools on a daily basis, and certainly as an example I'll give, recently I did the AI for Business course at Melbourne Business School as a sort of wider envelope for my own thinking. In terms of how we engage as a board, outside of just the skills around the board table evident in the board skills matrix, we also have expertise both internally amongst the management team, but also look to external experts to come and give us advice and external sort of information as well from time to time, which is also very helpful.
In terms of the last aspect of the question in regards to the increase in the fee cap, it does actually enable us to bring on an additional NED, and it allows for a transition period as part of really good succession planning, which as a board we're very focused on. Thanks, Christine. Are there any other questions in regards to this resolution?
There are no other questions in relation to this resolution.
The company will disregard any votes cast on item six by a director or an associate except where that vote is cast by them as a proxy for a person who is entitled to vote. I'll now put the resolution to the meeting. Item seven relates to a proposed amendment to the company's constitution. A summary of the proxy votes received before the meeting is on the screen.
The resolution before the meeting is that for the purposes of Section 1362 of the Corporations Act 2001 and for all other purposes, the company's constitution is amended with effect from the date of the meeting as set out in the explanatory notes. For this amendment to occur, this resolution is required to be passed as a special resolution of shareholders. Are there any questions in relation to this resolution?
There are no questions in relation to this resolution.
I will now put the resolution to the meeting. Item eight relates to the renewal of proportional takeover provisions. A summary of the proxy votes received before the meeting is on the screen.
The resolution before the meeting is that in accordance with Section 648G4 of the Corporations Act 2001, with effect from the date of the meeting for a three-year period, the operation of the proportional takeover provisions contained in Clause 13 of the company's constitution is renewed. Are there any questions in relation to this resolution?
There are no questions in relation to this resolution.
For these provisions to be renewed, this resolution is required to be passed as a special resolution of shareholders. I will now put the resolution to the meeting. That concludes the business of the meeting. I'd like to advise that shortly the voting on all resolutions will close. Can all shareholders voting online, please now ensure that they've submitted their votes, and we'll take a few moments now to allow you to finish voting.
Voting will automatically close in a few minutes, and while the voting is being finalized, we'll take the opportunity to show you a few videos.
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Oh, thanks. You want to talk cars?
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And close. I look forward to having a cup of tea with everybody that's here and invite you to also ask us any other questions. You've got the management team here as well and the CEO of McMillan Shakespeare as well. Thank you all for attending.