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Australian Finance Group (AFG) investor relations material

Australian Finance Group AGM 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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AGM 2025 summary17 Oct, 2025

Opening remarks and agenda

  • Chair welcomed attendees, acknowledged the Whadjuk people of the Noongar nation as traditional custodians, and outlined the hybrid meeting format and agenda, including introductions, addresses, formal business, and closing.

  • Quorum was confirmed, and introductions of board members, executives, auditors, and share registry representatives were made.

Financial performance review

  • Net profit after tax increased by 21% to AUD 35 million; underlying net profit before amortization rose 13% to AUD 40.8 million.

  • Gross profit rose 14% to AUD 139.2 million, EBITDA up 19% to AUD 56.2 million, and underlying gross profit per broker increased by 13% to AUD 38,000.

  • Distribution EBITDA reached AUD 68 million (up 10%), and manufacturing earnings grew 53% to AUD 16 million.

  • Residential settlements rose 15% to AUD 63 billion, expanding the loan book beyond AUD 210 billion.

  • Annuity style earnings comprised 73% of total, with 90% cash realisation and AUD 182 million in investments and liquid assets.

Board and executive committee updates

  • Board succession planning is active, with several directors nearing term limits; Chair intends to renominate for another term.

  • Chair Greg Medcraft and CEO David Bailey delivered addresses outlining performance and strategy.

  • Apologies were noted for one director unable to attend due to illness.

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Frequently asked questions

Australian Finance Group Limited (AFG) is an Australia-based company specializing in the mortgage origination and lending business. AFG operates through two primary segments: Aggregation and AFG Home Loans (AFGHL). The Aggregation segment offers wholesale mortgage broking services, providing contracted brokers with administrative support, infrastructure, and access to a panel of lenders. The company earns revenue through upfront commissions on settled loans and trail commissions on the loan book under this segment. The AFGHL segment delivers AFG-branded mortgage products funded by third-party wholesale funding providers, also known as white-label products, and AFG Securities mortgages distributed through its broker network.The company is headquartered in Perth, Australia, with its shares listed on the Australian Securities Exchange.

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