• Judo has several clear sustainable competitive advantages in SME business banking
• Judo is now entering the exciting phase of optimising the bank
• Judo remains on track to achieve its FY25 guidance

Judo Capital Holdings Limited (ASX:JDO) ('Judo Bank', 'Judo' or 'bank') is today holding an investor day in Sydney to provide an update on Judo's clear and simple strategy and the progress the bank is making towards its vision of being a world-class SME business bank. CEO Chris Bayliss said Judo has several clear sustainable competitive advantages in SME business banking, which is only possible because the bank has designed and built its specialist business model from a blank piece of paper. Judo is now entering the exciting phase of optimising the bank, having largely completed the second phase of scaling the bank. Judo confirmed it remains on track to achieve its FY25 guidance, as provided in its trading update on 1 May 2025. The investor day will cover Judo's strategy, growth opportunities, employee value proposition, risk management, technology, financial drivers, and key business metrics.

Judo confirmed it remains on track to achieve its FY25 guidance, including: Spot GLA of $12.4bn - $12.6bn, upper end of NIM of 2.80% - 2.90%, lower CTI than FY24, higher COR than FY24, and targeting 15% growth in PBT versus FY24 on an underlying basis.