Now to hand the conference over to Auswide's Managing Director, Mr. Martin Barrett. Please go ahead, sir. Thank you. Well, good morning and welcome to the presentation of Auswide Bank's interim result for the 2021 financial year. I'm Martin Barrett, MD of Auswide Bank. Joining me here today is Bill Schafer, the group's CFO. During today's presentation, we will be referring to the investor presentation, which was lodged on the ASX this morning. Certainly a delight to have a talk about our first half financial year 2021 result, as it's broken many records for us and continues the strong momentum that we experienced in the 2020 financial year. It also positions us as one of Australia's fastest growing listed banks. I don't believe there's another listed bank that has improved its profitability as strongly and as consistently as Auswide Bank has in recent times. Our strong performance reflects our deliberate focus on continually improving our attraction and delivery to customers and our approach to brokers and partnerships, and the desire to keep on improving, as we say, demonstrating the power of small. Our first half represents a step change for Auswide, with outstanding growth in lending and customer deposits and an equally outstanding interim profit results. I ask everyone to turn to slide five. Our statutory NPAT was up 23.9% to AUD 11.47 million. Our loan book increased by 13.4% on an annualized basis, which is about 7.5x system growth on a run rate basis. That was achieved in a highly competitive market. We have been growing market share. I want to emphasize growing, not losing, not regaining, not holding, but materially winning market share. Also importantly, we have been consistent to our call-out over the years of growing our loan book and ensuring it adds to the bottom line. We were able to improve our margin six basis points as the active management of our funding costs continues to deliver real benefits. This, however, has not impacted our ability to grow our customer deposit base, which increased by 10.6% to give us a very strong self-funding ratio of 74.4%. Strong customer deposit support across branches, online channels, and strategic partnerships has allowed us to further reduce more expensive funding loans. Our regional branches have seen material deposit support, with areas such as Rockhampton and Mackay showing record growth. The Queensland region showing some really encouraging signs of recovery. Deposit and lending growth in these areas should continue to improve over the period ahead. Our cost to income ratio continues to fall. At 59.6% sets, we think, a new benchmark for what is possible in smaller regional banks. We are performing and outperforming much larger ADIs in this area while we continue to invest in our business. Earnings per share at AUD 0.27 per share was AUD 0.051 per share increase. Compares very favorably to peers. We have demonstrated consistent improvement in this metric over the last six years. 2021 is accelerating our progress. We've previously outlined our medium-term goal for ROANTA of 10%. Our goal is to achieve this by June 2022. I'm pleased, however, to report that we have, let's say, hit this one out of the park, delivering a ROANTA of 11.6% at the first half of 2021. For context, our ROANTA in 2016 was 8.2%, with achieved material improvements in this metric over the past six years, placing us in rare company as the industry has generally suffered declining ROANTA return on equity performances over the last decade. I'd like to comment on our dividend. The board has declared a fully franked dividend of AUD 0.19, representing a payout ratio of 70% of our half year statutory NPAT. We've increased the dividend while keeping the payout ratio at the low end of board policy, which we believe strikes the right balance between rewarding shareholders and prudently managing our capital during the period of strong growth. Slide six. Operational highlights. I want to call out a couple of things. Our annualized loan book growth of 13.4% was driven by strong broker flows and our Private Bank, as Auswide Bank continue to increase its presence in Southeast Queensland, New South Wales, and Victoria. Our loan growth has been achieved with a consistent and responsible approach to credit and very low arrears levels that is amongst the best in the industry. We maintain a strong capital position of 13.32%, which meets unquestionably strong regulatory targets. Some comments on slide seven regarding the economic and regulatory outlook. The Queensland economy, where 71% of our loan book is located, is strong and growing faster than the national average. Queensland managed well throughout the pandemic, without material impacts to housing markets and prices. In fact, housing activity appears to have picked up significantly recently, buoyed by population growth, government stimulus, and low interest rates. We believe we are well-placed to capitalize on improving housing markets. Our strong result for staff is, we believe, even more impressive when you consider the current interest rate environment, with the RBA cash rate falling to historic lows of just 10 basis points in last November. Turning to slide eight, I'd like to make some observations on COVID-19. At our 2020 result announcement, we advised that 8.8% of our loan book had been placed on assistance, slightly lower than the average for the industry. At that time, we also increased our collective provisioning for possible future losses by AUD 2.3 million. Since then, economic conditions have improved, and our low-risk book has also materially recovered, with less than 1% of our loan book currently under COVID-19 support. Currently, this is representing somewhere around about 115 customers. Our expectations, however, are that these numbers will fall materially further as we reach the 31/03/2021. At this stage, however, we are determined not to release provisions as conditions, while significantly improved, nonetheless do remain uncertain. We will be further reviewing this in the second half of financial year 2021. On slide nine, our broker network. I'd like to mention just a couple of points on this regarding broker and private bankers material loan growth channels. Broker flows have increased materially as we have built and continue to improve our loan processing capability. This has supported strong broker flows utilizing the government First Home Loan Deposit Scheme, as well as winning greater market share more broadly via broker applications. We've delivered significant improvements in the last few years in our end-to-end home loan process and built a scalable business that now has many brokers ranking us as amongst the best in turnaround times, despite those record home loan flows over the half. This, in turn, is leading to more exciting opportunities from a growing number of brokers wishing to use us. Our Private Bank continues to grow strongly as we deliver lending and deposit solutions to high net worth individuals that prefer the service and access that Auswide Bank has to offer over larger competitors. This is proving to be an excellent growth niche for us, and the pipeline of business there is also very exciting. Last financial year, loan settlements were a record for Auswide Bank at AUD 650 million, but we have already surpassed that number with over four months remaining in the current financial year. We have a very strong pipeline of loan applications and approvals, which gives us confidence that strong growth will continue in the second half. On slide 10 and 11, we've included in there some slides regarding our track record over the course of the last number of years. I think it demonstrates significantly our progress. The slides also highlight that our performance this half represents a step change for the bank following several years of consistent growth across our key metrics. It has been a very strong start to our financial year. On that note, I'll pass across to Bill for a more detailed review of our results. Thank you, Martin. Good morning, everyone. I'd just like to provide you with some further details on the financial results that Martin has offered. The financial overview on page 13 demonstrates the momentum that Martin referenced earlier. The strength of the financial result in the half year resulted in positive trends across all ratios. Headlining that result was a 23.9% increase in statutory NPAT at AUD 11.472 million, compared to AUD 2.56 million for the prior corresponding period. The positive result for the year was based on profitable growth, with the loan book up 8.4% or 4.7x system to AUD 3.485 billion. This was achieved in conjunction with a six basis point increase in the net interest margin, up to 201 basis points from 195 basis points in half one of financial year 2020. Earnings per share was up AUD 0.051 to AUD 0.27 per share from AUD 0.219 in the prior comparative half year. The return on net tangible assets was up to 11.6% from 9.7% in the first half of financial year 2020. This has now exceeded the 10% medium-term target of the bank. On the basis of loan book growth and the increase in NIM, the net interest revenue increased 10.9% to AUD 38.3 million. In addition, the management of expenses and targeted investments resulted in the cost to income ratio of 59.6%, down from 62.9% in the prior corresponding period. Again, Auswide has surpassed the medium-term objective ahead of the strategic timeline with the cost to income ratio now below 60%. The NPAT waterfall on page 14 demonstrates the significant impact of the net interest revenue, which was up AUD 3.75 million in comparison to the prior year. This result was a result of asset growth, cost effective funding, and the increase in the NIM. Non-interest income was also up across the period due to the increase in loan volume and the associated fees. Operating revenue was up 10%, while the expenses, excluding loan impairment, increased by only 3.4%, resulting in the reduced cost to income ratio. Turning to the loan book details on page 15, the growth in comparison to the prior corresponding period was 8.4% or 4.7x system. The highlight in the growth data was annualized growth of 13.4% across the first half of financial year 2021. This represents more than 7x system during the half. Housing loans were up 10.7% on the prior corresponding period to AUD 3.32 billion, or 95% of the loan book. The distribution of the Auswide loan book is presented on page 16, with continuing strength in Southeast Queensland, Sydney and Melbourne. An increasing proportion of the loan book now resides outside of Queensland, with 28.6% of the book throughout the remainder of Australia, up from 24.9% just a year ago. Significant strength in broker flows with the added success of the First Home Loan Deposit Scheme and the Private Bank, have resulted in a 56.7% increase in home loan approvals and a 57.9% increase in home loan settlements. The arrears slide on page 17 discloses the commitment to quality lending and risk management, with loan arrears at a low of AUD 8.8 million at 31 December 2020. This represents just 26 basis points of the total loan book, and this figure excludes COVID-19 assistance in accordance with APRA guidelines. Our arrears compare favorably with Auswide's peers, with the S&P index for greater than 30 past due for other banks at 81 basis points and for regional banks at 159 basis points. On page 18 of the deck, the provisions for doubtful debts and general reserve for credit losses are disclosed, with the total amount set aside, AUD 9.9 million at 31st December. The board is aware that due to COVID-19, a degree of uncertainty and economic volatility remains, although the forecast and the indicators continue to improve. For this reason, the board has resolved to retain an amount of AUD 1.8 million of COVID-19 overlay in the provisions at the end of the half. The high quality of the loan book, together with the uncertainty, will be assessed on an ongoing basis to determine the appropriate level of provisions across the remainder of the financial year. There is confidence that the total provisions are adequate, based on the economic scenarios model for the bank. The total provisions in GRCL equate to 65 basis points as a proportion of our credit risk-weighted assets and 29 basis points across the total loan book. The funding mix on page 19 discloses a 10.6% growth in customer deposits, now at 74.4% of total funding. The highlight was a 17.8% increase in the lower cost at call savings accounts from AUD 1.13 billion to AUD 1.32 billion. With continued management down of more expensive funding lines, securitization now accounts for just 9.6% of total funding. That's down from 12% at the beginning of the half year. AUD 90 million of the three-year RBA Term Funding Facility has been utilized at a cost of 25 basis points, with a further AUD 60 million available at 10 basis points, of which AUD 40 million was drawn at 31st December. As per page 20, the final fully franked dividend of AUD 0.19 per share reflects an uplift of 11.7% on the AUD 0.17 per share for the financial year 2020 interim dividend. APRA guidance on the payout ratio was withdrawn. However, there remains a call for considered and conservative approach. The board resolved to declare the AUD 0.19 dividend within the policy range of 70%-80%, at a payout ratio of 70.8% for the half year. The dividend reflects the strength of the financial result with the AUD 0.02 per share uplift in the share on the interim dividend. The dividend reinvestment plan has been retained to incrementally increase Tier 1 capital as credit risk-weighted assets increase with the loan book growth. A 2.5% discount has been applied to the DRP. Capital, as disclosed on page 21, remains strong at 13.32%, comfortably exceeding APRA's unquestioned but strong target. The CET1 ratio was 10.88%. The increase in capital demand from loan book growth has been matched with capital supply, with the elevated level of Tier 1 retained earnings and the issue of a AUD 12 million Tier 2 capital instrument in August of 2020. Capital supply drivers going forward will include a replacement Tier 2 subordinated debt transaction later in the financial year and a DRP in March. Capital will support the above system loan book growth forecast for the second half of the financial year. The half one financial results have been achieved while supporting our customers during the period of the pandemic and assisting a record number of our customers into their new homes. The bank has produced quality loan book growth and an increased NIM while carefully managing funding costs and operational expenses. The 23.9% NPAT increase has allowed the board to declare a AUD 0.19 final dividend with DRP while preserving capital conservation for growth and investment. Thank you. Back to you, Martin. Thanks, Bill. Our strategic plan is being successfully implemented and is delivering positive outcomes for our customers, our partners, and our shareholders. Slides 23 to 26 highlight the key themes of our strategy. To put it simply, though, we need to deliver a great broker and customer experience. Many banks continue to struggle with poor processes and significant complexity, but we have made substantial progress in this area and are receiving positive feedback on our efforts. This is translating to strong growth. Our brand awareness, and thus consideration by customers, also continues to increase. That has been evident to us in our last and latest survey following the State of Origin. This has shown material improvement and, again, is assisting us with our strategic growth endeavors. We'll continue to work with partners who meet our criteria of assisting us to reach new markets and who also value the strength of our capital, our funding, our product, and our processes. Slide 25, in terms of technology. As I called out in our last presentation, no banking strategy update is complete without a view on technology investment and the journey of digital banking. Also why this journey is constantly under review, and we will continue to focus and invest in the following initiatives: Continue to partner with those who have made the investment and can assist us with digital distribution. We'll continue to invest in technology that assists us in being more efficient in the back office. Importantly, this includes continuing to reduce the processing cost per loan whilst providing very good turnaround times consistently. Of course, delivering to customers what they want and need to improve their experience with us. We have successfully completed our core banking system upgrade, and over the months ahead, we'll update and improve the functionality of our mobile app, our internet banking platforms, as well as modernizing our web page, which you can see as being our virtual front door, along with a range of other customer technology offerings. We're always mindful, however, of return on investment and technology spend, and we'll continue to ensure that we're investing prudently. Finally, I'll turn to the outlook on slide 26. We're especially pleased to have surpassed our three-year strategic targets for cost-to-income ratio, net interest margin, ROA, and loan book growth in 18 months. It is a credit to our team and their commitment to our customers and the communities that we serve. We will need to reset these targets. However, in the interim, we expect to continue to exceed them. We've had an excellent start to the second half, with strong broker flows continuing as we attract a younger customer group. We diversify outside of Queensland. Some fundamental changes have occurred in the banking landscape over recent years. Smaller banks with the right strategy and capability do have significant growth opportunities. Auswide Bank has built and will continue to build more capability as we focus on our customers to deliver strong, profitable growth. On that note, I will now hand back to Judith to open up for any questions. Thanks again for joining us today. Thank you, sir. Ladies and gentlemen, if you wish to ask a question, please press star and then one on your telephone and wait for your name to be announced. If you wish to cancel your request, please press star and then two. Please note that if you're on a speakerphone, please pick up your handset to ask a question. The first question comes from Richard Hutsick of Morgans Financial. You can hear me, guys? Yeah, I can hear you, Richard. Thank you. Hi, Martin and Bill. Hey, congratulations on a good first half there. Just one question. You seem to be winning the broker market. We're seeing other banks incentivizing brokers to refinance, and I'm just wondering how much of that market you're playing in. That's my only question. Yeah. Thanks for that, Richard. Actually, we've stayed out of that market. Kind of when we do the math on trying to get a return in a highly competitive market with low interest rates, as well as paying AUD 2,000, AUD 3,000, sometimes AUD 4,000 to try to win a customer over, and then in many cases, that money going on to, say, three-year fixed, that to us doesn't sort of make a great deal of sense. Where we've had far more success is working through the First Homeowner Scheme, getting opportunities there, getting opportunities from brokers that actually do see the value in some of the flexibility of our products outside of some of the competition, but also value the turnaround times that we're able to offer. When you look into the market and you see some of the reports where there are 20, 30-day delays in processing loans, we can do that in a matter of five days, six days, then brokers see real value in being able to get that quick answer and certainty to their customers. That's been assisting us greatly. We've, to date anyway, Richard, managed to stay out of that, which has assisted our margin. Excellent. Thank you. Thank you. Ladies and gentlemen, once again, if you wish to ask a question, please press star and then one on your telephone and wait for your name to be announced. Ladies and gentlemen, a final reminder, if you wish to ask a question, you're welcome to press star and then one. There are no further questions on the lines at this time. I'd now like to hand over back to Mr Barrett for closing remarks. Thank you. Many thanks for joining us. We are very pleased with the momentum that is in the business. We're quite confident in terms of the future that is ahead with a strong pipeline that gives us confidence through to the end of the financial year. With COVID seemingly under some level of control, hopefully we will also see some of those challenges dissipate over time as well. Thank you very much for joining us and for those that we'll see in the roadshow, we'll see you then. Thank you. Thank you. Bye. Thank you, gentlemen. Ladies and gentlemen, that concludes today's conference. Thank you for participating. You may now disconnect your lines.