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Kina Securities
Kina Securities (KSL) investor relations material
Kina Securities H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary27 Feb, 2026
Executive summary
Underlying NPAT rose 15% to PGK 126 million, with statutory NPAT up 20% to PGK 121 million, aided by a lower tax rate and broad-based revenue growth of 13% year-on-year.
Revenue grew 13% to PGK 546 million, with operating costs rising 4% to PGK 298 million.
Lending market share increased, with gross loans up 17.8% year-on-year, mainly driven by commercial lending.
Return on equity improved by 200bps to 17.4%; final dividend per share increased 22%.
Customer deposits grew from PGK 4.3 billion to PGK 4.6 billion, despite a system-wide deposit spike due to government activity.
Financial highlights
Net interest income up 20% year-on-year to PGK 268 million, now 49% of total revenues.
Non-interest revenue grew 6% to PGK 278 million, with FX revenue up 17% to PGK 100 million.
Earnings per share increased 20% to 41.8 toea.
Cost-to-income ratio improved to 54.7% from 59.1%.
Final dividend: 19.3 toea; full year: 31.9 toea, up 22%.
Outlook and guidance
Anticipates further earnings growth in 2026, driven by revenue uplift, market share gains, and a lower corporate tax rate (35%).
Expects headwinds from lower yields on government securities, tighter FX margins, and further PGK depreciation.
Focus remains on organic growth, capital optimization, and customer experience improvements.
Selective investments planned for long-term growth and resilience; Tier 2 capital bond issuance scheduled.
Statutory corporate tax rate for banking to decrease from 40% in 2025 to 35% in 2026.
Detail the strategic benefits of the PNGX bond
Explain the basis for no material FATF impact
Describe the expected impact of evolving FX market
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Next Kina Securities earnings date
H1 202626 Aug, 2026
Kina Securities
Next Kina Securities earnings date
H1 202626 Aug, 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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