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Kina Securities (KSL) investor relations material
Kina Securities H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary27 Aug, 2025
Executive summary
Statutory net profit after tax reached PGK 57.7 million, up 37% year-over-year, driven by revenue growth and a lower tax rate effective January 2025.
Achieved record half-year revenue, NPAT, and dividends, reflecting strong business momentum and robust lending book quality.
Marked 40th anniversary with continued innovation and market leadership in PNG's banking sector.
Focused on organic growth, digital transformation, and community impact initiatives.
Interim dividend declared: A$0.045 and PGK 12.6 TOYA, up 13% and 19% respectively, with a 63% payout ratio.
Financial highlights
Total revenue increased 10% year-over-year to PGK 251 million, with FX income up 37% and digital revenues up 15%.
Loan book expanded 16% year-over-year, with business lending up 22% and market share rising to 16.9%.
Non-interest income grew 19%, now 55% of total revenue, supported by strong FX and digital channel performance.
Net interest margin rose 30 basis points to 5.9%.
Cost-to-income ratio improved to 59.2% from 64.8%.
Outlook and guidance
Strategic plan for 2026-2030 focuses on organic growth, wealth management, inorganic initiatives, and capital optimization.
Pre-tax earnings growth expected in H2 2025, led by lending and non-lending revenue.
FX revenue growth may moderate due to evolving central bank intervention policies.
Anticipated economic uplift from major LNG projects in the medium to long term.
Strategy centers on growth, resilience, service excellence, and sustainable communities.
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Next Kina Securities earnings date
H2 202527 Feb, 2026
Next Kina Securities earnings date
H2 202527 Feb, 2026
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Frequently asked questions
Kina Securities Limited is a Papua New Guinea-based financial services company providing a range of banking, financial, and investment services. The company operates through its divisions, which include retail and business banking, funds management, and stockbroking. Kina Securities offers products such as loans, deposit accounts, insurance, and asset management, catering to individuals, SMEs, and corporate clients. The company is headquartered in Port Moresby, Papua New Guinea, and its shares are listed on the ASX and PNGX.
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