Financial

• In FY26, Listings contributed $215.2m (up 3.5%), Markets $414.1m (up 18.6%), Technology and Data $297.6m (up 8.0%) and Securities and Payments $327.7m (up 19.4%).

• Guidance of $245 million to $265 million of underlying NPAT implies growth of 9.1% to 18% on FY26, according to the summary.

• The chief executive, Richard Fennell, said the bank's current capabilities in this area are "clearly not where they need to be." ACapitalcharge of $50 million has been in place since 1 January 2026.

• TheLoanmix shifted: commercial lending rose 16% to $15.24bn, while home lending fell 8% to $52,868m and customer deposits fell 6% to $62,904m.

• The finalDividendwas $2.70 per share, taking the FY26 total to $5.05 per share, fully franked, up 4% on FY25.

• Cost growth was 1 per cent and the cost-to-income ratio was 32.1 per cent, at the bottom of the target range.

• Investors should note thatMarginincome of US$749 million in FY2026 is a large figure relative to the group's earnings, so the rate path will matter for the guided growth, alongside fees and balances.