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Bendigo and Adelaide Bank (BEN) investor relations material
Bendigo and Adelaide Bank Investor Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Update summary3 Dec, 2025
Strategic initiatives and business momentum
Completed core banking system consolidation, reducing from eight to one system, enhancing efficiency and migration capabilities.
Launched new digital onboarding and lending platforms, driving improved customer experience and deposit inflows.
Up, the digital bank, achieved first month of profitability ahead of schedule, with strong customer and deposit growth, and 22% YoY customer growth and 35% deposit growth.
Focus on digital innovation, operational efficiency, and deepening customer relationships to drive growth and futureproof risk management.
Net Promoter Score (NPS) remains strong at +28.4, with the Up brand at +44.3, reflecting high customer advocacy.
RACQ Bank acquisition
Agreement to acquire RACQ Bank's $2.7 billion in loans and $2.5 billion in deposits at book value, adding over 90,000 customers, with completion expected in 1H27.
Transaction expected to be ROE and cash EPS accretive, with annualised increases of 35-40bps ROE and ~4-5cps cash EPS.
Acquisition funded from excess capital, with CET1 impact of -35bps.
Increases Queensland exposure in residential lending portfolio from 15% to 18%.
Integration to be supported by simplification to one core banking system by end of 2025, minimising incremental costs.
Financial performance and cost management
Balance sheet remains strong with AUD 360 million in excess capital and a 77% deposit funding ratio.
FTE reduced by 3.6% year-to-date, with further restructuring and contractor reductions supporting cost control.
Business-as-usual cost growth targeted at no higher than inflation, with specific focus on operational excellence, partnerships, AI, and property rationalization.
Productivity initiatives include a 35% reduction in operations/contact center resources and a 30% reduction in corporate property rent over three years.
Investment spend aligns with FY26 guidance; operational excellence and technology partnerships drive efficiency.
CET1 impact on future capital management plans
How does core banking system readiness minimize costs?
When will full ROE/EPS accretion benefits materialize?
AML program: Impact on 2030 strategy balance?
Up Bank: Detail path to consistent profitability.
How will cost pools achieve sub-inflation growth?
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Next Bendigo and Adelaide Bank earnings date
H1 202615 Feb, 2026
Next Bendigo and Adelaide Bank earnings date
H1 202615 Feb, 2026
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Frequently asked questions
Bendigo and Adelaide Bank Limited provides banking and financial services, including personal and business banking, mortgage lending, wealth management, and insurance. The company operates a network of branches, agencies, and online platforms, primarily serving communities throughout Australia. It targets both retail and commercial customers. The company is headquartered in Bendigo, Australia, and its shares are listed on the ASX.
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