Bendigo and Adelaide Bank Limited (BXRBF) Q4 2026 Earnings Call Transcript

Samantha Miller
Head of Investor Relations & ESG

Good morning, everyone. Thanks for joining us for Bendigo Bank’s 2026 Full Year Results Briefing. Let me begin today by acknowledging the traditional owners of the lands in which we meet today, the Gadigal people of the Eora Nation, and I pay my respects to their elders, past, present and emerging. I also extend my respects to the Aboriginal and Torres Strait Islander people who are present on the call today.

Following our recent results announcement on the 18th of August, we have slightly adjusted our approach to the results presentation today. Richard will start with a high-level overview of the key performance highlights. He’ll run through the strategic deliverables and an update on the AML/CTF program. Andrew will then step through the audited financial performance and provide an overview of our credit position within the current macro environment. We’ll then move on to Q&A.

I’ll now hand over to Richard.

Richard Fennell
CEO, MD & Director

Thanks, Sam, and good morning, everyone, and thanks for taking the time to join us today. We recognize our market release on