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MyState (MYS) investor relations material

MyState 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 summary19 Aug, 2025

Executive summary

  • Completed transformational merger (Ozwite/Auswide) in February, achieving $8.4M in annualized synergies within four months.

  • Underlying NPAT rose 17% year-over-year to $41.3M, with statutory NPAT at $35.6M after merger costs.

  • Loan book grew 7.5% annualized post-merger, with significant increases in scale and capital base.

  • Fully franked final dividend of $0.11 per share declared, totaling $0.215 for the year, supported by strong capital.

  • Growth initiatives executed across banking, equipment finance, and wealth management.

Financial highlights

  • Underlying NPAT increased 17% to $41.3M; statutory NPAT was $35.6M after $5.7M in merger-related costs.

  • Net interest income grew 26% year-over-year; total operating income up 22.4% to $186.6M.

  • Operating expenses increased 25.7% to $127M, mainly due to the expanded group post-merger.

  • Net interest margin improved by 2bps to 1.47% year-over-year.

  • Customer deposits surged 71% to $10.1B; home loan book expanded 62% to $12.9B.

Outlook and guidance

  • Targeting double-digit EPS growth as full run-rate merger synergies are realized.

  • Integration priorities: single banking license, core system consolidation, and culture alignment.

  • Home loan growth expected to slightly outpace system growth (5–6%) for FY 2026.

  • Underlying cost growth of ~5% per annum expected to be offset by synergy realization, resulting in a flat cost base.

  • Annual cost synergies of $20–25M (pre-tax) expected by FY28; integration costs estimated at $29M over three years.

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Frequently asked questions

MyState Limited is an Australian diversified financial services group that was established in September 2009, following the merger of MyState Financial and TPT Wealth. It further expanded its operations by acquiring The Rock Building Society in December 2011. The company is known for offering a wide range of financial products and services including banking, trustee, and wealth management services across Australia. It operates through its subsidiaries, MyState Bank and TPT Wealth, which provide services such as personal and commercial lending, savings and investment products, insurance, estate planning, and wealth management. MyState Limited is headquartered in Hobart, Tasmania, and its shares are listed on the ASX .

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