Slide 1: Coffee Microcaps Investor Presentation
BNK Banking Corporation Limited Level 14, 191 St Georges Terrace Perth WA 6000 ASX Release, 16 September 2025 COFFEE MICROCAPS INVESTOR PRESENTATION BNK Banking Corporation Limited (ASX: BBC) (“BNK” or the “Company”) attaches an investor presentation that CEO Allan Savins will deliver to the Coffee
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Slide 3: About BNK
About BNK => BNK Banking Corporation Limited (ASX: BBC) is an Australian-owned, APRA-regulated bank with more than 40 years of heritage. Operating under an unrestricted banking licence, BNK offers a comprehensive range of deposit and lending products to both consumers and businesses, delivered throu
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Slide 5: Diverse Product, Distribution and Funding Capabilities
Diverse Product, Distribution and Funding Capabilities BNK has diverse product and underwriting capabilities through proven ability to write prime and specialist residential mortgages and commercial loans. We have established a diversified funding platform leverage both balance sheet capacity (throu
Slide 6: Strategic shift to higher margin lending
Strategic shift to _ higher margin = lending In 2022, BNK began a deliberate reshaping of its loan portfolio to strengthen its margin profile and drive sustainable profitability. This strategic pivot enabled the bank to transition to long-term, profitable growth. For personal use only Portfolio mix
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For personal use only FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25
Slide 8: Trending closer towards profitability
For personal use only Trending closer towards profitability = Underlying NPAT Dollars ($M) FY22 FY23 FY24 $3.8m FY25
Slide 9: FY25 Financial Results
BNK | {f@Better Choice FY25 Financial Results
Slide 10: BNK delivers turnaround and profit
For personal use only BNK delivers turnaround and profit $1.3m $3.8m $2.0m Statutory NPAT up $21 Im $26.1 m $8.0m on FY24 $24.2m Net Interest Income Net income up 50% up 13% on FY24 on FY24 Underlying NPAT* up $4.7m on FY24 1.52% 1.70% Operating Expenses up 12% on FY24 29.0% 2H25 Underl NPAT* up Bon
Slide 11: FY25 Key Metrics
> For personal use onl FY25 Key Metrics Total Assets Deposits Net Interest Margin Cost-Income Ratio (underlying) Capital Adequacy Ratio Minimum Liquid Holdings Ratio (Spot) Net Tangible Assets per share $1,234m $1,008m 152bps 93% 29.0% 26.5% $1.00 $1,725m $1,271m 106bps 105% 23.4% 22.4% $0.99 1) 28.
Slide 12: FY25 Highlights
FY25 Highlights Delivering on the Strategy, Driving value for shareholders For personal use only y U z R Y Strategic shift is delivering results across profit, net interest income and margins v Diversified Revenue streams, underpinned by the Robusta securitisation of Goldman Sachs warehouse assets a
Slide 13: CEO message
= Cc ie) ® 7) =) © c je) i) — o oO — ie) LL BNK made meaningful progress in FY25, delivering a clear turnaround and building momentum across the business. Our focus on higher-margin, capital- efficient assets, combined with disciplined cost and balance sheet management, is driving sustainable perfor
Slide 14: FY26 Objectives
BNK | {f@Better Choice FY26 Objectives
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Slide 16: Strategic Entry into Structured Credit
Strategic Entry _ into Structured = Credit BNK has now completed two structured finance investments, acquiring senior notes in syndicated, senior secured warehouse facilities. These transactions support growing Australian non-bank lenders and are backed by high- quality receivables, enhancing BNK’s
Slide 17: Why Invest in BNK?
BNK | {f@Better Choice Why Invest in BNK?
Slide 18: The BNK Investment Case
The BNK Investment Case BNK is a small-cap banking growth story with the capital strength, credit discipline and strategic partnerships to deliver sustainable profitability and long- term shareholder value. For personal use only BNK’s turnaround has delivered a Strong Strategic and Financial Foundat
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Slide 21: Strategic hires in 2025 to drive operational efficiency and technology transformation
Strategic hires in 2025 to drive operational efficiency and technology transformation Joe Mittiga Chief Operations Officer For personal use only Chen Lin Chief Information Officer (B Bnx COO with 25 years’ experience in financial services leading large teams, driving transformational initiatives, an
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Slide 24: Thank you
Moke w Better Chee BNK | Better Choice Thank you Investor Enquiries Matt Vaughan Head of Investor Relations Email: matt.vaughan@bnk.com.au Phone: 0402 275 734