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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.
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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