Judo FY25 Appendix 4E & Annual Report

• Statutory Operating Income from Ordinary Activities up 7% to $423m
• Statutory Profit from Ordinary Activities attributable to Shareholders up 24% to $86m
• Loan book grew to $12.5bn, term deposits to $9.9bn

Judo Capital Holdings Ltd, the parent company of Judo Bank, has released its Appendix 4E and Annual Report for the 2025 financial year. The company reported a 7% increase in Statutory Operating Income from Ordinary Activities to $423m and a 24% rise in Statutory Profit from Ordinary Activities attributable to Shareholders to $86m. The company's loan book grew to $12.5bn, up from $10.7bn in the prior year, while term deposits reached $9.9bn, up from $8.2bn. Judo continued to expand its footprint across regional and rural Australia, with a focus on empowering its bankers to tailor transactions to the needs of SME customers and make decisions at the front line. The company also completed a strategic replatforming over the past three years, which has enhanced its scalability, efficiency, and agility. Judo was named an AFR BOSS Best Place to Work for the third consecutive year and became 'Great Place to Work Australia' certified, reflecting the company's commitment to recruiting and developing the industry's best bankers and fostering a strong, entrepreneurial culture.

Judo is targeting a Return on Equity (ROE) in the low-to-mid teens at scale, with a net interest margin (NIM) of over 3% and a cost-to-income (CTI) ratio approaching 30%.