Kina Securities Ltd. · ASX:KSL
Kina Securities — Tip Group's Sydney Conference 2026
24 slides from Kina Securities's conference presentation, Apr 15, 2026
Slide 1: Investor Presentation Notice
15 April 2026 PNGX/ASX – Announcement BY ELECTRONIC LODGEMENT Investor Presentation Notice Kina Securities Limited (ASX: KSL / PNGX: KSL) advises that it has lodged with ASX a Shareholder Presentation which incorporates the Company’s final audited financial results for the financial year ended 31 De
Slide 2: Tip Group's Sydney Conference
For personal use only TI P G ROU P ’ S S Y DN EY CON F ER EN CE Ivan Vidovich – CEO & Managing Director 16 April 2026 1
Slide 3: Disclaimer
Disclaimer You must read this notice before reading or making any use of this document or any information contained in this document. By accepting this document, you agree to the following terms and conditions, including any modifications to them. Disclaimer of liability: All information co ntained
Slide 4: Kina Bank
Kina Bank – 40 years old. Kina Securities Limited (Kina Bank) was established in 1985 and is now Papua New Guinea's second largest For personal use only commercial bank, and leading diversified financial services company Kina Bank offers customers end-to-end financial solutions – from savings accoun
Slide 5: Board of Directors
Board of Directors. For personal use only Ian Clough Richard Kimber Ivan Vidovich Andrew Carriline Non-Executive & Non-Executive Director and Deputy Chief Executive Officer Non-Executive Director Chairman of the Board Chair of the Board & Managing Director Chair of the Audit Committee, Chair of the
Slide 6: Papua New Guinea
Papua New Guinea. Strong institutions, closely tied to Australia For personal use only • Cultural ties with Australia • Education, employment, sporting, development funding • Institutions mirror Australian systems • Legal system • Banking and Financial system • Well-regulated financial system • Fina
Slide 7: PNG Economy
PNG Economy. Solid economic outlook in medium-term Fast-growing economy For personal use only • USD32.4b GDP forecast in 2026 (IMF) 6.5% Strategic economic location • South-east Asia to the North, Indonesia to the East and Australia to the South 4.5% Non-Resource sector dominated by coffee, cocoa, p
Slide 8: Resources project pipeline to transform economy
Resources project pipeline to transform economy For personal use only • 1/3 of the existing economy is resources based • USD35bn+ of mega projects in pipeline (2024 GDP = USD38bn) • LNG • Oil • Gold, Copper • Iran war highlights strategic value of • FID expected: PNG’s resource assets and secure acc
Slide 9: FY2025 Results
For personal use only 8 FY2025 Results.
Slide 10: Overview
Overview. For personal use only Statutory NPAT Underlying NPAT Revenue K115m K120m K544m +14% +10% +12% Operating Costs Return on Equity Final Dividend Per Share K306m 16.6% 19 toea +25% +7% +120bps 6.5c +8% 9
Slide 11: Shareholder Returns
Shareholder Returns. Total shareholder return Dividend per Share Earnings per Share (TSR) For personal use only +22% +14% 109% 31.9 39.7 102% 36.6 25.6 26.1 34.9 40% +10% 76% -1%* 11.0 13.8 10.0 10.0 13.5 13.3 21% 62% 10% 33% 11% 1 Year 3 Years 7 Years FY2023 FY2024 FY2025 FY2023 FY2024 FY2025 Capit
Slide 12: Market Share
Market Share. Lending Deposit For personal use only • Strong loan growth, driven by Total System Lending (Source BPNG) Total System Deposit (Source BPNG) commercial lending Kina Loan Book Kina Deposit Book 25.0% Kina Deposit Market Share 36,146 Kina Lending Market Share • Deposits have risen to plan
Slide 13: Net Interest Income
Net Interest Income. Net Interest Income (PGK'm) Net Interest Margin (%) Interest Spread (loans) % Cost of funds (%) Interest Spread (investment) % • Loan yields improved following IFRS9 aligned 300.0 For personal use only 8.0% re-estimation of interest income 7.1% 7.1% 7.2% 7.0% 250.0 6.8% • Higher
Slide 14: Asset Quality
Asset Quality. 8.1% 7.9% 7.7% For personal use only 7.3% • Impairment expense was PGK 6.5% 6.4% 39.0m (1.2% of GLA) and includes 5.7% K19.7m from IFRS9 aligned re-estimation of interest on 5.1% previously non-accruing loans • Asset quality continued to improve, with the NPL ratio down 40bps to 7.7%
Slide 15: Non-Interest Revenue
Non-Interest Revenue. FX Revenue +17% Internet Banking fees Digital Revenue +13% For personal use only 100.4 Mobile Banking fees VISA Fees 85.9 Merchant fees 39 37 PGKm PGKm 51.3 27 42 31 36 FY2023 FY2024 FY2025 FY2023 FY2024 FY2025 • Digital and partnership income up 13%, driving fee growth • Stron
Slide 16: Operation Costs +7%
Operation Costs + 7%. Investment in: +7% • Senior leadership and specialist For personal use only capabilities in strategy, risk, IT 350.0 and innovation 6.7 7.6 0.6 305.9 286.6 300.0 11.9 5.5 • AML and CTF capability 13.0* 250.0 273.6 • Technology and network infrastructure resilience 273.05 200.0
Slide 17: Strategy & Outlook
For personal use only Strategy & Outlook. 16
Slide 18: Economic Update
Economic Update. PNG will remain the Pacific powerhouse, offering access to a growing economy PNG Population Growth (m) 21.7 18.6 and a growing pool of customers For personal use only 15.3 13.3 Macroeconomic growth 16.8 2026 growth and inflation 3.3 9.8 5.7 • Inflationary pressures from oil price ri
Slide 19: 2030 Strategy
2030 Strategy. Values for C.H.A.N.G.E Purpose: Creating Brighter Futures. Courage For personal use only We speak up and challenge ourselves to do better. Vision: To be the most trusted financial services partner for the people, communities, and the markets that we serve. Heart We take pride in servi
Slide 20: Strategic focus 2026/2027
Strategic focus 2026/2027. For personal use only • Organic growth in target segments • Optimised capital planning • Culture development program • Customer experience, and process efficiency • Inorganic growth options 19
Slide 21: Corporate Bond and Capital Adequacy
Corporate Bond and Capital Adequacy. Capital Adequacy: T1 + T2 For personal use only • Capital adequacy ratios remain BPNG minimum total risk based capital healthy and above BPNG’s Well Capitalised classification 20.0% 18.3% • As a growing bank we continue to 17.4% make efficient use of our capital
Slide 22: Sustainable Communities
Sustainable Communities. • Strongim Komuniti Grant (SKG) program: In 2025, Kina For personal use only Bank employees supported 10 community development projects across Papua New Guinea, focusing on education, healthcare, disability support, and access to essential services Donation of school desks a
Slide 23: Outlook and summary
Outlook and summary. We anticipate another year of earnings growth in 2026 For personal use only Key drivers are expected to include: • Revenue uplift across our diversified portfolio, aided by a strengthening economy, and our continued efforts to grow market share in a targeted and risk aligned man
Slide 24: Thank you
For personal use only 23 Thank you.