Bnk Banking Corporation Limited · ASX:BBC
Bnk Banking — Coffee Microcaps Conference 2025
15 slides from Bnk Banking's conference presentation, Feb 28, 2025
Slide 1: Coffee Microcaps Investor Presentation ASX Release
BNK Banking Corporation Limited Level 14, 191 St Georges Terrace Perth WA 6000 ASX Release, 28 February 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 M
Slide 2: Investor Presentation - Coffee Microcaps Conference
ASX:BBC For personal use only INVESTOR PRESENTATION COFFEE MICROCAPS CONFERENCE 28 February 2025
Slide 3: BNK – The Bank for Enterprising Australians
BNK – The Bank for Enterprising Australians ASX-listed bank with more than 40 years of experience For personal use only Direct to consumer Award-winning non-bank deposits home and commercial loan origination platform BNK establishes a Goldfields $250m prime & Money merges $500m specialist BNK expand
Slide 4: The case for investing in BNK Bank
The case for investing in BNK Bank ASX:BBC The bank for Enterprising Australians For personal use only Diversified funding Expansive product Focus on SME market Focus on strong returns base range for shareholders • Loan book funded through • Offers a diverse product • Strategic expansion into higher
Slide 5: 1H25 Results Overview
1H25 Results Overview ASX:BBC Improved financial results as a result of balance sheet repositioning. For personal use only Statutory NPAT up $0.3m $2.1m on 1H24 $11.1m $12.8m $11.4m Net Interest Income Total Income up 58% Underlying Operating up 29% on 1H24 on 1H24 Expenses up 11% on 1H24 Underlying
Slide 6: 1H25 Financial Results
1H25 Financial Results ASX:BBC Improvement in statutory and underlying NPAT driven by improved NIM and fee income. $(6.7)m $(0.9)m Statutory to 1H24% For personal use only Statutory ($’000) Underlying ($’000) Underlying to 1H24 %* Net Interest NPAT downIncome $2.8m on 11,050 Underlying NPAT* ↑ 29% 1
Slide 7: 1H25 Key Metrics
1H25 Key Metrics ASX:BBC $(6.7)m $(0.9)m 1H25 1H24 Change on PCP* For personal use only NPAT down $2.8m on Loans Underlying NPAT* $1,178m $1,474m ↓ 20% FY23 up $0.6m on FY23 Deposits $1,097m $1,549m ↓ 29% $0.27m Net Interest Margin $1,731m 139bps 92bps ↑ 47bps Group Assets Cost-Income Ratio (underly
Slide 8: BNK Loan Book, Deposits & Net Interest Income
BNK Loan Book, Deposits & Net Interest Income ASX:BBC Transitioning towards high margin lending assets ASX:BBC Loan book ($m) Deposit book ($m) Net Interest Income ($m) For personal use only Loan Book reduction in 1H25 as composition Deposit Book reduction during 1H25 Continued upward trend in NII o
Slide 9: Risk-managed growth and diversification in the BNK-funded lending portfolio
Risk-managed growth and diversification in the BNK-funded lending portfolio ASX:BBC ASX:BBC Stable risk profile despite increase in higher margin loans Residential Portfolio By Loan Type For personal use only On Balance Sheet Loans 1H25 1H24 1H25 1H24 Stable position Stable split with borrower betwe
Slide 10: Strong Cornerstone Portfolio
Strong Cornerstone Portfolio ASX:BBC There has been continued focus on changing the lending book composition in 1H25 with ASX:BBC greater priority on higher margin lending. For personal use only High quality customers Loan size increased • Approx. 45% of loan book are ahead in their • Average loan s
Slide 11: Credit Quality & Arrears
Credit Quality & Arrears ASX:BBC Arrears impacted by higher interest rates but showing signs of stabilising For personal use only Total Loan Book Arrears breakdown Residential book Arrears ageing (% of Residential loan book) 5.00% Date (31-60 days) (61-90 days) (90+ days) Total (31 days+) 4.50% Dec-
Slide 12: Management with a Proven Track Record
Management with a Proven Track Record ASX:BBC In implementing and executing expansion strategies For personal use only Allan Savins – Chief Executive Officer Stephen Kinsella – Chief Financial Officer • Over 40 years of experience in the financial services industry. • Over 30 years of experience in
Slide 13: Highly Experienced Board
Highly Experienced Board ASX:BBC Driving the next stage of growth For personal use only Jon Denovan - Non-Executive Director Warren McLeland - Non-Executive Director • Leading mortgage industry authority on regulation & compliance. • Former stockbroker and investment banker with over 35 • First hono
Slide 14: Summary & Outlook
Summary & Outlook ASX:BBC Strengthening the foundation for sustainable SME growth For personal use only ✓ Diversified income streams and strategic portfolio shifts support sustainable underlying profitable generation, with non-linear progress expected. ✓ Focused on asset mix optimisation, high-margi
Slide 15: Enquiries
Enquiries ASX:BBC For personal use only Investor & Media Enquiries Mike Lovesey Cannings Strategic Communications Email: mike.lovesey@canningscomms.com Telephone: +61 449 607 636 14