FY21 Results
Funding mix
Strategic focus on funding mix supports margin growth
$151m 3.9%
$42m = 1.1%
> Ongoing strategic focus on expanding customer
deposits and tight management of funding costs.
> 11.9% growth in customer deposits to reach 75.7%
of funding (June 18: 68.4%)
> 27.7% growth in lower cost at call savings accounts
from $1.13b to $1.44b
> Reduced reliance on securitisation (more expensive
funding line); 8.6% of funding in June 21 vs 19.7% in
June 18
> RBA Term Funding Facility of $151m fully drawn
> Maintained dual investment grade ratings from
Fitch & Moody's of BBB+ and Baa2 respectively
$50m = 1.4%
$28m = 0.8%
$28m 0.8%
$28m = 0.9%
$490m = 14.8%
$607m 19.7%
$119m = 3.6%
$311m 9.4%
$421m = 12.0%
$131m = 3.7%
$267m = 7.6%
$334m 8.6%
$165m 4.2%
$252m = 6.5%
$81m 2.6%
$258m 8.4%
$2,108m 68.4%
$2,373m=71.4%
$2,620m = 74.5%
$2,933m = 75.7%
JUN 18
JUN 19
JUN 20
JUN 21
Customer Deposits
Securitisation
NCDs
Subordinated debt
Senior unsecured FRNs
RBA Term Funding Facility
INVESTOR PRESENTATION | FY21 Results - 27 August 2021
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