Judo Capital Holdings Limited (ASX: JDO), operating under the brand name Judo Bank, is a specialist Australian challenger bank established specifically to focus on the banking and financing needs of small and medium-sized enterprises (SMEs). For the half year ended 31 December 2025, the Bank delivered a strong financial performance, driven by disciplined strategy execution and continued loan book expansion. Profit before tax rose to AU$86.5 million, up 26% over the prior half and 53% year on year, while net profit after tax reached AU$59.9 million.
Gross loans and advances increased to AU$13.4 billion, reflecting continued above-system growth supported by a differentiated, relationship-led customer proposition. Deposits grew to AU$10.9 billion, strengthening funding diversification and stability. Net interest margin remained stable at 3.03%, while operating leverage improved, with the cost-to-income ratio significantly lower than the prior corresponding period. Capital levels remained robust, positioning the Bank to support further growth without the need for additional core equity.
Customer Notice:
Nextgen Global Services Pty Ltd trading as Kapitales Research (ABN 89 652 632 561) is a Corporate Authorised Representative (CAR No. 1293674) of Enva Australia Pty Ltd (AFSL 424494). The information contained in this website is general information only. Any advice is general advice only. No consideration has been given or will be given to the individual investment objectives, financial situation or needs of any particular person. The decision to invest or trade and the method selected is a personal decision and involves an inherent level of risk, and you must undertake your own investigations and obtain your own advice regarding the suitability of this product for your circumstances. Please be aware that all trading activity is subject to both profit & loss and may not be suitable for you. The past performance of this product is not and should not be taken as an indication of future performance.
Kapitales Research, Level 13, Suite 1A, 465 Victoria Ave, Chatswood, NSW 2067, Australia | 1800 005 780 | info@kapitales.com.au
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Judo Bank Delivers Strong Profit Growth in 1H26a
Judo Capital Holdings Limited (ASX: JDO), operating under the brand name Judo Bank, is a specialist Australian challenger bank established specifically to focus on the banking and financing needs of small and medium-sized enterprises (SMEs). For the half year ended 31 December 2025, the Bank delivered a strong financial performance, driven by disciplined strategy execution and continued loan book expansion. Profit before tax rose to AU$86.5 million, up 26% over the prior half and 53% year on year, while net profit after tax reached AU$59.9 million.
Gross loans and advances increased to AU$13.4 billion, reflecting continued above-system growth supported by a differentiated, relationship-led customer proposition. Deposits grew to AU$10.9 billion, strengthening funding diversification and stability. Net interest margin remained stable at 3.03%, while operating leverage improved, with the cost-to-income ratio significantly lower than the prior corresponding period. Capital levels remained robust, positioning the Bank to support further growth without the need for additional core equity.
Customer Notice:
Nextgen Global Services Pty Ltd trading as Kapitales Research (ABN 89 652 632 561) is a Corporate Authorised Representative (CAR No. 1293674) of Enva Australia Pty Ltd (AFSL 424494). The information contained in this website is general information only. Any advice is general advice only. No consideration has been given or will be given to the individual investment objectives, financial situation or needs of any particular person. The decision to invest or trade and the method selected is a personal decision and involves an inherent level of risk, and you must undertake your own investigations and obtain your own advice regarding the suitability of this product for your circumstances. Please be aware that all trading activity is subject to both profit & loss and may not be suitable for you. The past performance of this product is not and should not be taken as an indication of future performance.
Kapitales Research, Level 13, Suite 1A, 465 Victoria Ave, Chatswood, NSW 2067, Australia | 1800 005 780 | info@kapitales.com.au