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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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/NPAT and a 70 bps increase in ROE year-over-year.
44% of retail customers now on the digital platform, with 114 franchise branches converted.
Delivered on strategic commitments, including digital mortgage launch and productivity improvements.
Transformation focused on operational resilience, digitalisation, and risk management.
Board declared a final dividend of $0.20, a 12% increase, with a payout ratio of 66.2% of cash earnings.
Financial highlights
Cash earnings after tax rose 12% to $383M, with total income up 4% to $1,657M and flat operating expenses.
Statutory profit was $133M, impacted by a $170M goodwill impairment and restructuring costs.
Net interest margin increased 13 bps, with a second half NIM of 1.7%.
Underlying profit improved 10% year-over-year; loan impairment expense was $21M, up 5% but below historical averages.
Cost-to-income ratio improved by 210 bps to 64.7%; CET1 ratio strengthened to 10.94%.
Outlook and guidance
Cautious outlook for FY26 due to geopolitical and industry headwinds; expect sub-inflation cost growth and continued margin pressure.
Housing runoff expected to slow in FY26, with return to growth in FY27; business lending targeted at system growth.
Loan impairment expense expected to remain below long-run averages in the short term.
Priorities include optimizing balance sheet mix, scaling digital bank, accelerating business bank growth, and delivering $250M productivity target by FY26 exit.
No change to CET1 or dividend payout target ranges.
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
H1 202615 Apr, 2026
Next Bank of Queensland earnings date
H1 202615 Apr, 2026
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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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