https://www.nzx.com/announcements/359897
• NPAT of $72.0 million.
• Adjusted NPAT of $78.9 million (removing the economic overlay of $9.6 million pre-tax), up 7.2% ($5.3 million).
• Gross finance receivables (Receivables) of $4.6 billion, up 4.9% ($215.0 million).
• Return on equity (ROE) of 11.4%, up 31 basis points (bps).
• Net interest margin (NIM) of 4.33%, flat on FY2019.
• Net operating income (NOI) of $235.3 million, up 13.2%.
• Cost to income ratio (CTI) of 45.4%, up 3.8 percentage points (pp). After allowing for changes in the accounting treatment and one-off impacts, the underlying CTI is 44.5%, up 4.6 pp as a result of significant investments in areas of strategic importance.
• FY2020 final dividend of 2.5 cents per share (cps), taking FY2020 total dividend to 7.0 cps – a decrease of 3.0 cps (as a consequence of restrictions imposed by the Reserve Bank of New Zealand (RBNZ) on distributions by banks in New Zealand).
• A dividend yield of 8.2% (8.6% in FY2019).
• Earnings per share (EPS) of 13.7 cps, up 5.2%.