Liberty Financial Group Ltd · ASX:LFG
Liberty Financial — Shareholder Meeting (November 2025)
20 slides from Liberty Financial's shareholder meeting presentation, Nov 20, 2025
Slide 1: 2025 AGM Chair Address & CEO Address
20 November 2025 Markets Announcement Office ASX Limited LIBERTY GROUP 2025 AGM CHAIR ADDRESS & CEO ADDRESS Liberty Financial Group (ASX: LFG) attaches copies of the presentation and the addresses to be given by the Chair and the CEO at the Annual General Meeting today. Authorised for disclosure by
Slide 2: Chair Address
Liberty Group 2025 AGM – Chair’s Address and CEO’s Address | 2 Chair Address The year ended 30 June 2025 was one of renewed momentum for the Liberty Group, marked by a return to profit growth and continued creation of durable value for our stakeholders. The Liberty team are bound by a commitment to
Slide 3: Chair Address and CEO Address
Liberty Group 2025 AGM – Chair’s Address and CEO’s Address | 3 Finally, on behalf of the Board and all securityholders I would like to extend our deep appreciation to Peter Hawkins, who will retire as a Director at the conclusion of the Meeting. For more than 18 years, Peter has been a reliable sour
Slide 4: CEO Address: FY25 result and Loan Origination 1Q26
Liberty Group 2025 AGM – Chair’s Address and CEO’s Address | 4 Our net interest margin was slightly down over the year at 2.49%, compared to 2.51% in FY24. Bad and doubtful debts were down at 19bps from the previous period of 25bps, which reflects our ongoing credit quality and improving economic co
Slide 5: Liberty Financial Group Annual General Meeting
Liberty Financial Group Annual General Meeting For personal use only 20 November 2025
Slide 6: Acknowledgement of Country
Acknowledgement of Country For personal use only Liberty acknowledges the traditional owners of country throughout Australia. We acknowledge their continuing connections to the lands, waters, cultures and communities. We pay our respect to Elders past and present. In doing so we also acknowledge tha
Slide 7: Agenda
Agenda For personal use only 01 Introduction 02 Chair Address 03 CEO Address 04 Formal Business 05 Questions 06 Closing Remarks
Slide 8: Introduction
For personal use only 01 Introduction
Slide 9: Chair Address
For personal use only 02 Chair Address
Slide 10: Chair Address | Mr Peeyush Gupta AM
For personal use only Chair Address | Mr Peeyush Gupta AM |6
Slide 11: CEO Address
For personal use only 03 CEO Address
Slide 12: CEO Address | Mr James Boyle
For personal use only CEO Address | Mr James Boyle |8
Slide 13: Overview FY25 Result
Overview FY25 Result For personal use only Delivered return to profit growth for FY25 and 2H25 NIM expansion in 2H25 from stable funding markets Lower impairment expense as credit risk moderates Effective cost management with stable cost to income ratio Portfolio stability through disciplined execut
Slide 14: FY25 Financial Highlights
FY25 Financial Highlights For personal use only % Underlying NPATA Net revenue NIM $145m ($132m) $604m ($583m) 2.49% (2.51%) +10% +4% (2bps) BDD Cost to income Distribution & Dividend 19bps (25bps) 27.1% (28.0%) 52c (25c) (6bps) (90bps) 108% | 10 *Balances represent: FY25 (FY24) change between the p
Slide 15: Loan Origination 1Q26
Loan Origination 1Q26 For personal use only Residential ($'m) Secured ($'m) $918 $450 $465 $876 $375 $713 Loan origination reflects increased Increased loan originations reflects SME and SMSF growth and easing improving demand for credit as competitive pressures in motor interest rates decrease fina
Slide 16: Loan Portfolio 1Q26
Loan Portfolio 1Q26 For personal use only Residential ($'m) Secured ($'m) $8,035 $7,752 $7,712 $5,910 $5,977 $5,748 Stabilising portfolio as new Portfolio growth achieved from originations largely offset by loan continued growth in new discharges and amortisation commercial loan origination 1Q25 4Q2
Slide 17: Outlook
Outlook For personal use only Environment supports origination and portfolio growth Delinquency to reduce as interest rate cycle normalises % NIM expansion expected to continue NIM, CTI and ROA peer outperformance reflects discipline Automation to maintain leading operational efficiency Ongoing inve
Slide 18: Thank you
For personal use only Thank you
Slide 19: Appendix
For personal use only Appendix
Slide 20: Disclaimer
Disclaimer The information provided in this presentation and any information supplied in connection with this No offer of securities For personal use only presentation (“Presentation”) has been prepared by Liberty Financial Group Limited (ACN 125 611 574) This Presentation is not, and does not const
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