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Bendigo and Adelaide Bank (BEN) investor relations material
Bendigo and Adelaide Bank Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary10 Nov, 2025
Executive summary
Cash earnings after tax were $120.7 million, down 3.2% from the 2H25 quarterly average and flat year-over-year.
Statutory NPAT was $110.0 million, a significant decrease from the 2H25 quarterly average but up 6.6% year-over-year.
Net interest income rose 3.4% from the 2H25 quarterly average and 5.3% year-over-year, supported by a higher net interest margin.
Strategic milestones included the rollout of the Bendigo Lending Platform and a refreshed in-app onboarding process.
Financial highlights
Net interest margin increased to 1.91%, up 3bps from 4Q25.
Total income grew 3.8% from the 2H25 quarterly average and 4.5% year-over-year.
Other income rose 6.8% from the 2H25 quarterly average, driven by higher card transaction volumes and franchise fees.
Operating expenses increased 7.6% due to seasonal factors and one-off items, or 3.0% when adjusted.
Credit expenses saw a $0.3 million reversal, benefiting from a collective provision release in Agribusiness.
Outlook and guidance
The balance sheet is positioned for a return to growth in the second half of the financial year.
Management remains cautious in residential lending due to competitive dynamics in third-party channels.
Residential lending growth strategy
Outlook for underlying expense growth?
Why is non-standard property RWA density 100%+?
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Next Bendigo and Adelaide Bank earnings date
Investor Day 20254 Dec, 2025
Next Bendigo and Adelaide Bank earnings date
Investor Day 20254 Dec, 2025
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Frequently asked questions
Bendigo and Adelaide Bank Limited provides banking and financial services, including personal and business banking, mortgage lending, wealth management, and insurance. The company operates a network of branches, agencies, and online platforms, primarily serving communities throughout Australia. It targets both retail and commercial customers. The company is headquartered in Bendigo, Australia, and its shares are listed on the ASX.
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