2026 HY Investor Presentation

• Kina Securities Ltd reported a 4% increase in NPAT to K59.7m
• Revenue increased by 2% to K254.8m
• EPS increased by 1% to 20.3 toea
• Loan book growth was 2% despite strategic balance sheet optimization
• Capital adequacy ratio increased to 26.0% following a PGK235m bond issuance

Kina Securities Ltd's first half of 2026 results showed a 4% increase in net profit after tax (NPAT) to K59.7m, with revenue up 2% to K254.8m and earnings per share (EPS) at 20.3 toea. The company maintained a market share of 16.9% in lending while deposits market share declined to 10.9%. The loan book grew by 2%, despite strategic balance sheet optimization and de-risking initiatives. Net interest income increased slightly, while non-interest income was impacted by lower foreign exchange revenue and digital income delays. Operating costs rose by 7%, driven by inflation and currency depreciation. Asset quality remained strong with a provision coverage of 2.6% and a capital adequacy ratio of 26.0% following a PGK235m bond issuance. The company is on track with its 2030 strategy, focusing on customer service, operational excellence, and growth through innovation.

NPAT expected to increase by 4% for the first half of 2026

Positive momentum expected in the second half of 2026, with resolution of cards interoperability issue and stronger FX activity and loan growth anticipated.