Investor Presentation on H1 FY26 Results

• Continued strategic shift to higher-return, capital-efficient assets
• Net Interest Margin expanded to 1.88%, up 49bps on 1H25
• Statutory NPAT up 31% on 1H25, Underlying NPAT down 76% on 1H25

In 1H26, BNK Banking Corporation Ltd continued to rebalance its portfolio towards higher-return, capital-efficient assets, supporting an improvement in asset mix and further strengthening its Net Interest Margin (NIM). The company also advanced key strategic initiatives, including the commencement of senior secured investments and measured growth in commercial lending, further diversifying its earnings base. These outcomes were achieved alongside disciplined cost management and prudent balance sheet settings. Key highlights include a 5% increase in Net Interest Income, a 49bps expansion in NIM to 1.88%, a 31% increase in Statutory NPAT, and a 76% decline in Underlying NPAT. The company maintained a strong Capital Adequacy Ratio of 27.0% and continued to focus on scaling higher-return segments, sustaining margin momentum, and strengthening portfolio return quality. Looking ahead, BNK is focused on deepening its strategic priorities to drive broader, sustainable value, including scaling higher-return assets and senior secured investments, selective prime loan growth, growing non-interest income, maintaining cost discipline, and pursuing strategic partnerships and product expansion.

BNK is targeting a Net Interest Margin of >2% and a Return on Equity of >10% over the medium term.

BNK is focused on sustaining NIM through mix and funding discipline, scaling higher-return assets and senior secured investments, selectively growing prime loans, growing non-interest income, maintaining cost discipline, and pursuing strategic partnerships and product expansion to drive broader, sustainable value.