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Bank of Queensland (BOQ) investor relations material
Bank of Queensland H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary14 Oct, 2025
Executive summary
Achieved 12% growth in cash earnings to $383 million year-over-year, with return on equity increasing by 70 basis points, driven by revenue growth, a flat cost base, and digital transformation.
Retail bank transformation progressed, with 44% of retail customers now on the digital platform and 114 franchise branches converted.
Commercial lending grew 14%, supported by a strategic shift in balance sheet mix and capital recycling.
Delivered on strategic commitments, including digital mortgage launch, branch conversion, and productivity improvements.
Strong operational resilience, improved customer experience, and cultural transformation highlighted.
Financial highlights
Cash earnings up 12% to $383 million; statutory profit at $133 million after goodwill impairment and restructuring costs.
Total income rose 4% to $1,657 million, with operating expenses flat at $1,072 million year-over-year.
Cost-to-income ratio reduced by 210 basis points to 64.7%; underlying costs down 4%.
Net interest margin increased by 8 basis points year-over-year, with a second half NIM of 1.70%.
Fully franked dividends per share increased 12% to 38.0 cents, with a payout ratio of 66.2%.
Outlook and guidance
Cautious outlook for FY 2026 due to geopolitical and industry headwinds; expects continued margin pressure from competition.
Cost growth in FY 2026 expected to be sub-inflation, with material cost benefits from decommissioning legacy systems flowing into FY 2027.
Housing contraction to slow in FY 2026, with return to growth targeted for FY 2027.
Business lending targeted at system growth, with potential to accelerate if returns are appropriate.
Loan impairment expense expected to remain below long-term averages but may drift higher over time.
Drivers of cautious FY26 NIM outlook?
Quantify FY27 ME decommissioning cost benefits.
Beyond asset finance, what other portfolio sales?
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Next Bank of Queensland earnings date
AGM 20252 Dec, 2025
Next Bank of Queensland earnings date
AGM 20252 Dec, 2025
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Frequently asked questions
Bank of Queensland Limited is an Australian retail bank offering a diverse range of financial services across Australia and New Zealand. The company operates through various segments including Retail Banking, BOQ Business, and others. The bank provides personal banking services such as savings and term deposits, transactional accounts, debit and credit cards, home, personal, and car loans, along with insurance products. For businesses, BOQ offers transaction accounts, savings and investment accounts, loans and finance products, merchant and payment services, and financial market and international services. The company is headquartered in Newstead, Australia, and its shares are listed on the ASX.
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