Bnk Banking Corporation Limited · ASX:BBC
Bnk Banking — ShareCafe Sip & Learn Webinar (August 2025)
20 slides from Bnk Banking's conference presentation, Aug 28, 2025
Slide 1: ShareCafe Investor Presentation ASX Release
BNK Banking Corporation Limited Level 14, 191 St Georges Terrace Perth WA 6000 ASX Release, 28 August 2025 SHARECAFE INVESTOR PRESENTATION BNK Banking Corporation Limited (ASX: BBC) (“BNK” or the “Company”) attaches an investor presentation that CEO Allan Savins will deliver to the ShareCafe Sip & L
Slide 2: Investor Presentation ShareCafe Sip & Learn Webinar
For personal use only Investor Presentation 28th August 2025 ShareCafe Sip & Learn Webinar
Slide 3: The bank for enterprising Australians
The bank for enterprising Australians For personal use only ASX-listed bank with more than 40 years of experience Direct to consumer Digital ADI Award winning Broker-led focused on deposit gathering and lender servicing residential asset origination and commercial customers Goldfields Money BNK expa
Slide 4: Financial results showing improved underlying NPAT and financial resilience
Financial results showing improved underlying NPAT and financial resilience For personal use only $21.9m $26.1m $24.2m $1.3m Statutory NPAT up $8.0m on FY24 Net Interest Income up Net income up 50% on Operating Expenses up 13% on FY24 FY24 12% on FY24 $3.8m Underlying NPAT* up $4.7m on FY24 1.52% 1.
Slide 5: Strategic Highlights: Delivering on the Strategy, Driving Value
Strategic Strategic shift is delivering results. Highlights For personal use only Strong Underlying and Statutory performance. Net Interest Income growth. Delivering on the Strategy, Margin expansion. Driving Value Diversified Revenue streams, underpinned by the Robusta securitisation of G
Slide 6: BNK Loan Book, Deposits & Net Interest Income
BNK Loan Book, Deposits & Net Interest Income Strategic reshaping of the portfolio supports net interest income growth For personal use only Loan Book ($m) Deposit Book ($m) Net Interest Income ($m) 1252 1271 1352 1373 21.9 18.8 19.3 1008 965 986 903 12.9 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22
Slide 7: Risk-managed growth: On balance sheet loans
Risk-managed growth On balance sheet loans and diversification in the For personal use only BNK funded lending FY25 FY24 portfolio Interest Interest Only Only 16.5% 16.3% Stable risk profile despite increase in higher margin loans Principal & Principal & Interest Interest 83.5% 83.7% Composition rem
Slide 8: Portfolio mix by loan category
Risk-managed growth Portfolio mix by loan category and diversification in the For personal use only BNK funded lending FY25 FY24 portfolio Specialist Specialist Residential Commercial Residential 12.8% 5.5% 13.1% Stable risk profile despite increase Commercial in higher margin loans 14.8% Prime Resi
Slide 9: Portfolio mix by LVR
Risk-managed growth Portfolio mix by LVR and diversification in the For personal use only FY25 FY24 BNK funded lending >80%- 90% LVR, >80%- 90% LVR, portfolio Above 90% LVR, Above 90% LVR, 0.5% 5.1% 0.4% 6.0% Stable risk profile despite increase Up to 60% LVR, Up to 60% in higher margin loans 39.1%
Slide 10: Portfolio Resilience and Credit Strength
Portfolio Resilience and Portfolio mix by repayment Credit Strength For personal use only FY25 FY24 Arrears 2.1% Arrears 1.6% Customers showing resilience, portfolio strength On time Ahead On time Ahead 53.9% 44.0% 54.0% 44.4% Most customers remain on track or ahead with repayments, supported by low
Slide 11: Residential portfolio by loan type
Diversification in the Residential portfolio by loan type BNK funded lending For personal use only portfolio FY25 FY24 Stable risk profile despite increase in higher margin loans Investor Investor 37.4% 37.0% Owner Owner Occupied Occupied 62.6% 63.0% Slight increase in proportion of Investor loans b
Slide 12: Strong Cornerstone Portfolio
Strong Cornerstone BNK has focused on changing the lending book composition in FY25 with greater priority on higher margin lending. Portfolio For personal use only Residential Loan Commercial Loan High Quality Portfolio Portfolio Customers • Average Residential loan size $378k, • Average Commercial
Slide 13: Why Invest in BNK?
For personal use only in BNK? Why Invest
Slide 14: Management with a proven track record
Management with a proven track record For personal use only • CEO, BNK Banking Corp – responsible for the strategic direction of BNK Bank. • 40+ years’ experience in financial services. • Former Group COO and Chief Commercial Officer, RESIMAC Limited (Homeloans Limited). 1 • Served as Chairman of Fi
Slide 15: Management with a proven track record
Management with a proven track record For personal use only • Extensive financial services experience across Australia, UK, and Europe, specialising in risk management (operational, compliance, conduct, technology, cyber security, privacy, ethics, and credit risk). • Held senior roles in risk, finan
Slide 16: Diverse Product and Capabilities
Diverse Product and Capabilities For personal use only • BNK has diverse product and Bank Products & Services underwriting capabilities through proven ability to write prime and Aggregators on • Business transactional accounts specialist residential mortgages and • Cash management and term deposits
Slide 17: Summary and Outlook
Summary Deliver sustainable underlying profitability. and Outlook For personal use only Accelerate growth in high margin and high return segments. Scale senior secured warehouse funding. Reintroduce moderated prime volume. Executing with Discipline, Advancing with Purpose Maintain cost dis
Slide 18: Highly experienced board
Highly experienced board For personal use only Mr Denovan is a lawyer with significant banking, commercial, and property experience. Mr Denovan is a Special Counsel with leading national law firm Dentons having previously been the Managing Director/Partner of that firm (then known as Gadens Lawyers
Slide 19: Highly experienced board
Highly experienced board For personal use only Mr Ng has significant investment banking, mergers & acquisitions and funds management experience. Mr Ng is a co-founder and Managing Director of the Aura Group, an independent funds and wealth management firm managing and advising over A$1.5b in assets.
Slide 20: Thank you
For personal use only Thank you Investor Enquiries Matt Vaughan Head of Investor Relations Email: matt.vaughan@bnk.com.au Phone: 0402 275 734
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