Bank of Queensland Limited (BOQ) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to BOQ Group FY25 results. Following the formal presentation, there will be a Q&A session for investors and analysts. The audio queue is now open and I will hand over to Jessica Smith. Good morning and welcome to BOQ's financial results presentation for the full year ended 31st of August 2025. My name is Jessica Smith and I'm the General Manager of Investor Relations and Corporate Affairs at BOQ. On behalf of the management team, I would like to acknowledge the traditional custodians of the land we are meeting on today, the Gadigal people of the Eora nation. We pay our respects to elders past and present. I'm joined in the room today by BOQ's managing director and chief executive officer, Patrick Alloway, and our chief financial officer, Rachel Kelleway, who will present the results. We are also joined by BOQ's executive team. Following the briefing, there will be an opportunity for questions. I will now hand over to Patrick. Thank you, Jess. And good morning, everyone. And thank you for joining us today. I'm pleased to take you through our FY25 results. I have three key messages to leave you with today. We've improved financial performance, grown our strong business bank franchise, and our retail bank transformation is well progressed. In 2023, we reset our strategy to become a simpler specialist bank with a superior customer experience and enhanced shareholder returns. We outlined four strategic pillars to transform BAQ, strengthen, simplify, digitize and optimize performance. We are now well progressed through this ambitious program of work to uplift operational resilience, simplify the way we operate, scale customer growth with improved digital experiences, and shift our balance sheet mix to deliver more sustainable returns. Turning to our strong performa...