Interim Results for the Half-Year Ended 31 December 2025

IMB Bank is pleased to provide its interim financial results for the half-year ended 31 December 2025 which demonstrate ongoing commitment to sustainable growth and sound financial management.

The expansion of the balance sheet, strong profitability and loans growth are reflective of IMB Bank’s resilient business model and ability to adapt to the evolving needs of members. Strategic investments in digital transformation continue to drive efficiencies and enhance the customer experience, positioning IMB Bank well for future opportunities.

Key Highlights:

• Net profit after tax - $19.2 million, up 7% on the prior corresponding period.
• Balance sheet – reached $9bn, up 7% from 30 June 2025.
• Loan portfolio- grew by 6% since 30 June 2025, outperforming system growth rates.
• Asset quality - remains strong, with arrears below industry averages.
• Average Interest Margin – 2.3%, maintained in line with FY25 levels.
• High quality liquid assets of 17.2% and the Capital adequacy ratio of 15.6% are both above regulatory requirements.
• Completed a $7.5 million off market share buyback, acquiring 2.74 million shares. Total shares repurchased since program launch is now 18.54 million shares (approaching 50% of the shares on issue at commencement of buyback program).
• $500 million RMBS issue completed to support funding base and maintain robust capital levels.
• Interim Dividend – 9.5 cents per share payable to shareholders registered at close of trade on 11 February 2026.

IMB Bank’s Chief Executive Officer, Robert Ryan commented on the Interim Results saying:

“In addition to recording some excellent financial outcomes, what is so pleasing is that we’ve been able to make significant strides in both strategic and operational areas, reflecting our ongoing commitment to provide exceptional service, and leading digital experiences for our members.”

“We have increased investment in anti-scam controls to ensure we remain proactive in combating emerging threats. Key highlights for IMB Bank, have been the rollout of Confirmation of Payee and biometric identity verification technologies for online deposits, which represent important steps in our efforts to protect members from payment fraud and scams, while also making banking more convenient and secure.”

“Our commitment to helping our members to be better off was further demonstrated by broadening access to transaction fee-free deposit accounts and maintaining competitive rates that deliver fair returns and good value for our depositors and borrowers.”

“We’re exploring potential uses of artificial intelligence (AI) as a means to support operational excellence and efficiency, ultimately to help our staff deliver more personalised banking experiences so that members achieve better outcomes.”

“Through the IMB Bank Community Foundation, we proudly supported a further 58 not-for-profit organisations, distributing over $700,000 to initiatives that deliver positive social impact and opportunity across our areas of operation in NSW, the ACT, and Melbourne. Over 26 years of the IMB Community Foundation, our commitment to community investment is almost $13m.”

“Looking ahead, we are optimistic that IMB Bank will maintain strong performance despite ongoing global volatility which may affect domestic conditions. We are focused on execution of our strategic priorities for the benefit of our members through product and service enhancements, strengthened anti-scam and fraud controls and advancing our digital banking capabilities.”

“Our strong capital levels, disciplined risk management, and a prudent investment approach enable IMB Bank to consistently deliver high-quality service and innovative solutions that support the long-term success of our members and their communities.”

For more information contact the Company Secretary, Lauren Wise at cosec@imb.com.au

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