Liberty Financial Group (LFG) investor relations material

Executive summary

• Achieved continued profit growth momentum in FY26, with statutory NPAT up 8% to $144 million and underlying NPATA up 7% to $156 million, driven by record loan originations and resilient credit quality.

• Net interest margin (NIM) expanded to 2.50% due to asset mix and favorable funding markets.

• Effective cost management led to a lower cost-to-income ratio and strong liquidity position.

• Maintained investment grade balance sheet and delivered consistent distributions to securityholders.

Financial highlights

• Underlying NPATA rose 7% year-over-year to $156 million; statutory NPAT up 8% to $144 million; net revenue up 4% to $626 million.

• Financial assets increased 3% to $15.2 billion; new assets originated $6.1 billion (+20% YoY).

• NIM increased by 1bps to 2.50%; cost-to-income ratio improved by 30bps to 26.8%.

• Distribution per security grew 1% to 52.5c, including a special dividend of 15c; final unfranked distribution of 7.5c per security declared.

• Return on equity improved to 13.1%; leverage ratio at 14.0x.

Outlook and guidance

• Favourable funding markets expected to support NIM; automation and digital investment to maintain operational efficiency.

• Peer outperformance in NIM, CTI, and ROA anticipated to continue.

• Management expects to continue delivering for customers and securityholders in FY27 despite ongoing geopolitical and interest rate uncertainty.

• Diverse range of customer solutions positions the group to navigate challenging market conditions.

• Rising interest rates may impact delinquency.