full-year-profit-presentation

Sep 18, 2026

Uploaded by Cipher

General background information about the Group’s activities as of 13 August 2025, presented in summary form and intended for professional analysts. The material includes forward-looking statements about financial condition, capital adequacy, operations, business plans and objectives, along with risk factors and uncertainties that could cause outcomes to differ materially. It disclaims reliance on the content and advises investors to consult their own legal, tax, business and financial advisors. The presentation also addresses limits on distribution, credit rating usage, and restrictions on offering securities in jurisdictions such as the United States, including discussion of non-GAAP and non-IFRS measures.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages133

Reading Time5 h 35 min

AccessFree to download

Forward-looking statements and limitations

Reliance, accuracy, and update disclaimers

Securities offering and jurisdiction restrictions

Non-GAAP and non-IFRS financial measures

Credit ratings distribution and evaluation

The material in this presentation is general background information about the Group and its activities current as at the date of this presentation, 13 August 2025. It is information given in summary form and does not purport to be complete. It is intended to be read by a professional analyst audience, is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should consider these factors, and consult with their own legal, tax, business and/or financial advisors in connection with any investment decision. This presentation contains certain forward-looking statements regarding the financial condition, capital adequacy, operations and business of the Group and certain plans and objectives of the management of the Group. Forward-looking statements can generally be identified by the use of words such as “may”, “will”, “would”, “could”, “expect”, “intend”, “plan”, “aim”, “estimate”,“target”, “anticipate” or other similar words, and include statements regarding the Group’s intent, belief or current expectations with respect to the Group’s business and operations, market conditions, results of operations and financial condition, capital adequacy and risk management. Such forward-looking statements speak only as at the date of this presentation and are provided to assist investors with their understanding of the Group. Although the Group currently believes the forward-looking statements have a reasonable basis, they are not certain and involve known and unknown risksand assumptions, many of which are beyond the control of the Group, which may cause actual results, conditions or circumstances to differ materially from those expressed or implied in such statements. Readers are cautioned not to place undue reliance on forward-looking statements particularly in light of: current economic conditions , increasingly complex geopolitical setting, competition intensity, and the evolving technological landscape. To the maximum extent permitted by law, responsibility for the accuracy or completeness of any forward-looking statements, whether as a result of new information, future events or results or otherwise, is disclaimed. The Group is under no obligation to update any of the forward-looking statements contained within this presentation, subject to applicable disclosure requirements. Any forward-looking statements made by members of the Group’s management in connection to this presentation, verbally and in writing, are also subject to the same limitations, uncertainties and assumptions which are set out in this presentation. The material in this presentation does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States or in any other jurisdiction in which such an offer would be illegal. Any securities of the Group to be offered and sold have not been, and will not be, registered under the Securities Act of 1933 , as amended (U. S. Securities Act), or the securities laws of any state or other jurisdiction of the United States. Accordingly, any securities of the Group may not be offered or sold, directly or indirectly, in the United States unless they have been registered under the U. S. Securities Act or are offered and sold pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U. S. Securities Act and any other applicable U.S. state securities laws. Readers should also be aware that certain financial data in this presentation may be considered “non-Generally Accepted Accounting Principles (non-GAAP) financial measures” under Regulation G of the Securities and Exchange Act of 1934 , as amended, and “non-International Financial Reporting Standards (non-IFRS) financial measures” under Regulatory Guide 230 ‘disclosing non-IFRS financial information’ published by ASIC, including Net Profit After T

FAQs

What is the purpose of the presentation for readers?

It provides summary background information intended for professional analyst audiences to help understand the Group, not for investment advice or reliance by investors.

How do forward-looking statements in the presentation work?

They concern the Group’s financial condition, capital adequacy, operations, and plans, and use terms such as may, will, expect, intend, plan, or estimate; they reflect beliefs and expectations only as of the presentation date.

What distribution and securities offering restrictions are mentioned?

The material is restricted to persons entitled to receive it, must not be redistributed to unauthorized recipients, and it does not constitute an offer or solicitation to buy securities in jurisdictions where such offers would be illegal, including the United States.

Sep 18, 2026

Uploaded by Cipher