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Heartland Group (HGH) investor relations material

Heartland Group H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary20 Aug, 2025

Executive summary

  • FY2025 marked a significant reset focused on capital efficiency, integration, margin restoration, and derisking lending portfolios, with strong growth in reverse mortgages and livestock finance in both NZ and Australia.

  • Underlying NPAT was $46.9M, meeting guidance, while reported NPAT was $38.8M.

  • Integration of Australian businesses into a new bank and successful transition to 81% deposit funding.

  • NIM improved by 17 bps to 3.56%, with strong exit margins in NZ (4.13%) and AU (3.59%).

  • Asset quality improved, especially in Motor Finance, now outperforming industry arrears averages.

Financial highlights

  • Underlying NPAT: $46.9M, meeting guidance of at least $45M; reported NPAT: $38.8M, down 47.9% YoY.

  • Impairment expense increased by $25M to $71.6M, reflecting economic headwinds and portfolio repositioning.

  • Operating expenses rose $53M (up 38.1%) to $192.5M, mainly from integration, ADI acquisition, and regulatory costs.

  • Receivables retracted $85M, reflecting a shift to higher-return, lower-capital assets.

  • Dividend: 4 cps for FY2025, payout ratio 80%.

Outlook and guidance

  • FY2026 targets: underlying NPAT of at least $85M and ROE of at least 7%.

  • Focus on core product sets, technology investment, and operational cost control; no further material cost increases anticipated.

  • NZ bank: NIM >4.20%, CTI <53.5%, impairment expense ratio <0.85%.

  • AU bank: NIM >3.40%, CTI <45.5%, impairment expense ratio <0.10%.

  • Prioritizing growth and innovation in reverse mortgages, with >18% growth forecast in NZ and >19% in Australia.

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Frequently asked questions

Heartland Group Holdings Limited is a financial services company in New Zealand that provides a range of banking, lending, and insurance solutions. The company focuses on niche financial products, including reverse mortgages, motor vehicle loans, livestock finance, and personal and business loans, primarily serving retail, rural, and small-to-medium enterprise (SME) clients. Heartland Group emphasizes accessible financial products tailored to specific customer needs, with services delivered through digital and traditional banking channels. The company is headquartered in Auckland, New Zealand, and its shares are listed on the NZX and ASX.

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