Slide 1: Coffee Microcaps Investor Presentation (ASX Release)
BNK Banking Corporation Limited Level 14, 191 St Georges Terrace Perth WA 6000 ASX Release, 5 March 2026 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 Micro
Slide 2: Investor Presentation 5th March 2026 Coffee Microcaps
For personal use only Investor Presentation 5th March 2026 Coffee Microcaps
Slide 3: About BNK
About BNK For personal use only BNK Banking Corporation Limited (ASX: BBC) is an Australian - owned, APRA - regulated bank with more than 40 years of heritage. Listed on the ASX in 2012, BNK operates under an unrestricted banking licence . We offer a targeted range of deposit and lending products fo
Slide 4: Financial solutions for Enterprising Australians
Financial Deposit Products solutions for • Cash management accounts For personal use only • Transactional accounts Enterprising • Term deposits Australians • Everyday accounts While our products are designed to serve a broader customer base, they are particularly well Lending Products suited to Aust
Slide 5: Diverse Product, Distribution and Funding Capabilities
Diverse Product, Distribution and Funding Capabilities Aggregators on Better Choice’s Panel For personal use only BNK has diverse product and underwriting capabilities through proven ability to write prime and specialist residential mortgages and commercial loans. BNK Loan book of $900m @ 31 Decembe
Slide 6: Strategic shift to higher-return growth segments
Strategic shift to Portfolio mix by loan category (%) higher - return For personal use only FY22 FY23 FY24 FY25 1H26 Growth segments 98% 82% 81% 67% 6.0% 57% In 2022, BNK began a deliberate reshaping of its loan portfolio to strengthen its margin profile and 18% drive sustainable profitability. 18%
Slide 7: Lending, Deposits, NIM & Net Interest Income
Lending, Deposits, NIM & Net Interest Income Strategic reshaping of the portfolio supports net interest income growth and NIM uplift For personal use only Lending ($m) Deposits ($m) NIM (%) & NII ($m) 6
Slide 8: Net Interest Margin: Quarterly
Net Interest Margin: Quarterly Active liability management and focus on targeted higher - return lending driving continued improvement in NIM For personal use only 1.93% 1.83% 1.76% 1.64% 1.40% 1.37% 1.37% 1.03% 0.94% 0.90% 1Q24 2Q24 3Q24 4Q25 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 7
Slide 9: Strategic Entry into Structured Credit
Strategic Entry The benefits for BNK: into Structured ✓ Expansion beyond deposits and lending into structured credit markets through the non - bank lending ecosystem. For personal use only Credit ✓ Access to New Asset Classes: Senior secured notes, asset- backed lending, and other high - quality rec
Slide 10: 1H26 Financial Results
For personal use only 1H26 Financial Results
Slide 11: 1H26 Performance
1H26 Performance For personal use only $11.6m $13.2m $12.2m $0.42m Net Interest Income Net Income up 4% Operating Expenses Statutory NPAT up 31% on up 5% on 1H25 on 1H25 flat on 1H25 1H25 $0.44m 1.88% >$160m 27.0% Underlying NPAT down 76% on NIM up 49bps Growth in higher - Capital Adequacy Ratio 1H2
Slide 12: 1H26 Key Metrics
1H26 Key Metrics 1H26 2H25 Variance 1H25 Variance For personal use only Total Assets $1,237m $1,234m ↑ 0% $1,552m ↓ 20% Deposits $1,029m $1,008m ↑ 2% $1,097m ↓ 6% Net Interest Margin 1.88% 1.70% ↑ 18bps 1.39% ↑ 49 bps Cost to Income Ratio 92% 80% ↑ 12% 81% ↑ 11% Capital Adequacy Ratio 27.04% 28.71%
Slide 13: 1H26 Highlights
1H26 ✓ Strategic shift continuing to reshape the portfolio Highlights ✓ Positive Underlying and Statutory results For personal use only Executing the strategy, ✓ Net Interest Income growth strengthening the earnings drivers ✓ Net Interest Margin expansion ✓ Higher - return assets represent 43% of th
Slide 14: Medium Term Value Drivers
Medium Term Value Drivers Translating early strategic progress into stronger, sustainable returns For personal use only Scaling higher - return Sustaining margin Strengthening Portfolio segments momentum Return Quality • Achieved the initial targeted • Positive NIM trajectory toward • Ongoing optimi
Slide 15: Why Invest in BNK?
For personal use only in BNK? Why Invest
Slide 16: The BNK Investment Case
The BNK BNK has established a Solid Strategic and Financial Foundation: Investment • Sustained profitability driven by higher return on For personal use only Case capital segments, now providing a platform for scalable growth. • Growing exposure to SME and commercial segments. BNK is a microcap spec
Slide 17: Strong Cornerstone Portfolio
Strong Cornerstone Portfolio A diversified, high - quality lending book driving sustainable returns. For personal use only Residential Loan Commercial Portfolio Loan Portfolio Portfolio size: $732m Portfolio size: $191m • Focus on higher return residential loan growth • 40% growth in 1H26 • Average
Slide 18: Management with a proven track record
Management with a proven track record For personal use only • BNK CEO since January 2022…Started with BNK September 2018. • 40+ years in financial services, including Group COO and Chief Commercial Officer at RESIMAC Limited. • Former Chairman of Finsure Finance and 1300 HomeLoans ; held senior role
Slide 19: Management with a proven track record
Management with a proven track record For personal use only • COO with 25 years’ experience in financial services leading large teams, driving transformational 1 initiatives, and improving operational efficiency through technology. 8 • Held senior leadership roles at ING Bank, FleetPartners , Aviva
Slide 20: Highly experienced board
Highly experienced board • Special Counsel at Dentons and recognised • For personal use only Co - founder and Managing Director of Aura leader in Australian financial services regulation. Group, managing and advising over A$1.5b in • Former director of Aussie Home Loans, the Credit assets. and Inves
Slide 21: 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