I would now like to hand the conference over to Mr. Martin Barrett, Managing Director. Please go ahead. Good morning. Welcome to Auswide Bank results presentation for financial year 2022. I'm Martin Barrett, Managing Director of Auswide Bank Ltd. Joining me today is Bill Schafer, the group's CFO. Now, I was going to say that we were going to refer to our investor presentation, which was lodged on the ASX this morning. Well, it was actually lodged on the ASX this morning, over an hour ago, and we're yet to see that presentation is visible to anyone. Hopefully, during the course of this discussion, that will become available to everyone. We'll push on, regardless. I'll cover off on Auswide's financial year 2022 highlights, and then I'll hand over to Bill to cover off on the financials in a bit more detail. I'll finish off with strategy, and with outlook. This morning's result announcement is one I am again very pleased to provide. Financial year 2022 has been another successful year for Auswide. It has continued four years of ongoing improved profitability, earnings per share, return on equity and dividend for our shareholders continue to improve. Our results leverage solid progress across a range of transformation initiatives that we have and continue to introduce in our discipline on profitable growth. You'll hear me call out profitable growth a number of times during this morning's presentation. The home lending market has been, and will continue to be, highly competitive, while funding costs have quickly risen in the new rising interest rate and higher inflation environment. Attracting new lending via our enhanced capability while balancing an interest margin has been, and will continue to be, our approach. We could certainly have grown faster over the year. However, to do so would have involved us discounting home loan rates deeper, stepping into cash back offers, which to date we have avoided, and having to chase higher price deposits. An interest margin impact along with capital and other cost pressures would, in our opinion, be a poor outcome for shareholders in financial 2022 and in all likelihood, financial years, to come. We'll continue our disciplined approach. As one of the smaller listed banks, I think we are proving that the right strategy and focus on our customers, we can successfully compete, and in fact, in many cases, we can outperform our larger regional peers. Now I was going to reference the investor presentation, so I'll continue to do that, and I'll rely on your memories to be able to refer back to the slides that I'm calling out. I'm going to speak to slides five and six. Our statutory net profit after tax was up AUD 1.98 million to a new record of AUD 26.132 million, which was an increase of 8.2% on the prior corresponding period. Underpinning this result, our loan approvals and settlements exceeded the previous year's record, with settlements exceeding AUD 1 billion for the year, and they were up 10.9% on financial year 2021. The loan book increased by AUD 262 million to AUD 3.855 billion, continuing our above system home loan growth. We've continued to receive strong and growing support from brokers that continue to look for alternatives outside the big banks. Excitingly, our private bank continues to attract high quality customers and we are building something quite special, in this niche. Additionally, our proprietary lender's momentum was solid. Our work in building out our broker capability and delivering consistently good turnaround times has been critical, as it allowed us to differentiate from many of our bigger competitors who have struggled with time and turnaround of home loan applications. This, along with our growing brand recognition and better market understanding of some of our product features, has continued to win us good quality business. We have built a very strong foundation, and planned initiatives across technology, distribution and customer engagement will further our growth. Importantly, growth did not come at the expense of significant margin decline, which has been a feature of fast growing ADIs in the last reporting period. Our net interest margin fell by 6 basis points over the full year. We have and will continue to work hard on the active management of our funding mix and costs. I'll touch on this in more detail shortly, and no doubt Bill will also expand on this important area. I'm going to reference slide eight that none of you have. Our Private Bank started four years ago, recognizing the strong demand from high net worth and professionals for a strong service model and prioritization of response to their needs. It has surpassed our expectations in attracting these clients with strong word-of-mouth referral flow occurring. The loan portfolio is now past AUD 350 million, and the business has significant momentum. It has continued to build on its growing reputation in the Southeast Queensland market and is extending that reputation into New South Wales. We offer a Private Bank banking service we believe is unmatched in today's increasingly commoditized market. We are attracting many opportunities from the Big Four and some large regionals with a record pipeline of new customers we look forward to welcoming to Auswide Bank. Slides 10, 11, and 12 provide a progress set of graphs for Auswide over a five-year timeframe. Strong loan growth needs funding, and until recently, funding costs were benign. Inflation and RBA monetary policy have quickly agitated the deposit market, with some very aggressive pricing being offered. In the first half of the year, deposit growth at low pricing continued to be strong. The second half required more significant management as we faced rising customer deposit rates, competition, and increasing wholesale funding costs. Our self-funding ratio consequently fell from our previous year's record high of 75.7% to 73.16%, as some wholesale loans were once again comparatively cheaper. Importantly, we'll continue to work hard to optimize our funding costs to support profitable loan growth. Our cost to income ratio increased this year to 61.1% as we invested in our technology, data, customer retention, loan origination, and risk and compliance journey. These investments will continue to enhance our customer offerings, service, and assist us meet our regulatory requirements, while also protecting our lending back book. Earnings per share have again improved, increasing by further AUD 0.038 per share to AUD 0.65 per share. We believe this is a standout and compares very favorably to our peers. It has continued to improve, and on a continuing operations basis since 2016 has nearly doubled when our EPS was AUD 0.312 per share, or 52% lower than it is in 2022. Some years ago, our return on equity was at the lower end, if not the lowest end of listed banks in Australia at circa 6%. Today it compares very well to regional peers and some major banks at 9.8%. Strong growth and profit improvement means we can continue to support our shareholders and invest in supporting and growing our customers. I'm delighted that our performance continues to translate to strong shareholder returns. We have declared our fully franked dividend of AUD 0.21, representing a payout ratio of 69.9% on the half year. Our full year dividend is AUD 0.42, which is an increase of AUD 0.02 over the previous financial year. Based on the 30 June 2022 closing share price, which represents a very strong yield of 6.9% fully franked. This may in fact be the strongest yield in the listed banking sector. All up, a very strong and pleasing year with strong momentum carried into 2022 financial year. I'll now pass across to Bill to do his best to provide a detailed review of our results, without the investor presentation or numbers being launched yet. Over to you, Bill. Yeah, thanks, Martin, and good morning, everyone. Again, our apologies for what we can only assume is some sort of technical difficulty, but we will continue, and I will call out the highlights of our financial results, with some references to the pages, and we can circle back for any queries you might have later. We are pleased to announce this morning that Auswide has continued its track record of delivering profitable growth. The financial overview on page 14 of our deck highlights the 8.2% increase in statutory NPAT to AUD 26.1 million. This was up on the previous record NPAT reported for financial year 2021 of AUD 24.15 million. NPAT, excluding non-recurring items, was up 3.3% on the financial year 2021 figure. The record NPAT for financial year 2022 was based on profitable growth, with the loan book up 7.3% to AUD 3.855 billion. The home loan book increased 8.3%, which exceeded the RBA's reported system increase for housing credit. This was in conjunction with a 6 basis points decrease in the net interest margin, down to 194 basis points from 200 basis points in financial year 2021. Based on loan book growth and the marginal downward trend in NIM, the net interest revenue increased 5% to AUD 82 million. Earnings per share was up AUD 0.038 to AUD 0.605 on a statutory basis, and AUD 0.011 to AUD 0.578 excluding the one-off items. The return on equity has increased to 9.8% from 9.7% on a statutory basis. The ongoing strategic investments, coupled with management of operational expenses, resulted in the cost to income ratio of 61.1%, which was up from 60.1% in the prior corresponding period. The NPAT reconciliation on page 15 highlights the 5% uplift in net interest revenue, up AUD 3.9 million on financial year 2021. Non-interest income was up just over AUD 2 million for the financial year. While the one-off tax credit and the transition payment contributed AUD 1.7 million to the non-interest income, the underlying trend was upwards. Employee benefits were up AUD 1.4 million across the year due to CPI increases and ongoing investment in skills. Fees and commissions and general expenses were up across the financial year, reflecting increased broker fees, as well as increases in costs for financial service providers. The most significant increase in operational costs was in the computer expenses and professional fees. This relates to ongoing investment in the broker channel and digital banking, as well as cyber resilience. The bad and doubtful debt expense were down AUD 1.6 million, reflecting the strength of the loan book and the arrears at record lows. The board has resolved to retain an overlay of an additional AUD 0.5 million for any volatility that may arise in the current interest rate environment. The loan books detailed on page 16, growth for the financial year of 8.3% in the home loan book to AUD 3.7 billion above system for housing credit. The business banking portfolio at AUD 82 million reflects the previously announced decision to pause new lending in that area. The distribution of the Auswide loan book is presented on page 17, highlighting the 11.5% growth in the New South Wales portfolio and 13.8% growth in Victoria. The ongoing contribution of the broker channel and Private Bank has resulted in further diversification, with 30.4% of the loan book now residing outside Queensland, up on the 28.8% at the end of financial year 2021. Southeast Queensland continues to be a major source of growth for the bank, with a 10.5% increase across the financial year. Loan approvals in total were up on financial year 2021, exceeding AUD 1.1 billion for the year. Quality lending and risk management remain a focus of the bank as the loan book grows. The loan book quality is demonstrated on the arrears slide, page 18. Total arrears at AUD 6.9 million represents just 18 basis points of the total loan book. This compares to arrears at a level of 25 basis points at June 2021, continuing the downwards trend. The greater than 90 days past due arrears was just 8 basis points of the loan book at the end of the financial year. Adding further quality to loans is advance payments, which equate to 5.5% of the total loan book. 60% of our term loans have advance payments in excess of AUD 1,000, and total advance payments exceed AUD 206 million. Provisions and reserves for credit losses on page 19 total AUD 7.3 million. The board resolved to retain AUD 500,000 of the previously reported COVID overlay of AUD 1 million as a buffer for any unexpected volatility in the economy. The total provision coverage at 30 June was 42 basis points as a percentage of credit risk-weighted assets and 20 basis points of total loans. Across the financial year, as Martin said, the NIM fell by 6 basis points from 200 basis points to 194 basis points. Management of funding lines and product pricing, as well as a focus on deposit funding, has led to a marginal decrease in the NIM in a backdrop of surging funding costs. The waterfall chart on page 20 discloses the benefits of lower funding costs from customer deposits of 22 basis points and lower wholesale funding of 1 basis point across the year. These benefits were offset by the impact of lower asset yields of 13 basis points and growth in the asset book in lower return assets of 16 basis points. The bank has managed the cycle of RBA cash rate increases, which have supported the NIM with an expected upward trend in half one of financial year 2023. The funding mix on page 21 discloses the 4.3% growth in customer deposits, now 73.2% of total funding. The highlight was a 21.4% increase in lower-cost at-call core savings accounts, up to AUD 1.75 billion. The funding strategy of the bank will be continued, focused on customer deposits and management of spreads on wholesale funding. Deposits are sourced through Auswide's Queensland-based branch network, as well as partnerships and online capabilities. This strategy will assist the funding required as the first tranches of the RBA Term Funding Facility are repaid in quarter four of financial year 2023. As per page 22, the board declared a final fully franked dividend of AUD 0.21. This brings the total dividend for financial year 2022 to AUD 0.42, up AUD 0.02 on the prior year, and represents a payout ratio of 73.1% based on the NPAT, excluding non-recurring items. The dividend reflects the strength of the financial results balanced with capital conservation to provide for further investment. The dividend reinvestment plan has been retained with a discount of 5%. Due to the strong loan book growth experienced in quarter one of the current financial year- to- date, the board resolved to underwrite the DRP for the final dividend to strengthen Tier 1 and total capital. That total capital outlined on page 23 remains strong at 12.9% compared to 13.3% at the end of the prior year. The CET1 ratio was 10.63%. The capital supply drivers to support growth include the operation of the DRP for the final dividend, which as stated, is to be underwritten. In summary, the implementation of Auswide's strategic plan has returned a record NPAT of AUD 26.1 million, while ensuring strong loan book growth has been profitable and of high credit quality. Although the NIM has marginally retracted across the financial year, we are confident this will compare favorably with our peers. The board declared a AUD 0.21 final dividend with underwritten DRP, providing a AUD 0.02 increase in the total dividend for the year while preserving capital for our growth and investment. Thank you, and back to you, Martin. Thanks, Bill. Just turning to look at our strategy and our outlook. Our strategic plan has served us very well over the past three years. We are building out our next strategic plan, which will build on the strengths we have worked hard to create, and we'll focus on the new opportunities we can pursue. Slides 25 and 26, we are on an important sustainable journey as we seek to be responsible and sustainable in all that we do. On the slide, we provide an overview of our ESG approach, which focuses on six important pillars which from our business perspective are all intertwined. We have always been focused on sustainable outcomes, and our building society roots of supporting our communities and our customers continues as a key underlying driver. We will continue to improve our activity and our reporting in this important area. On slides 27 and 28, we outline our digital roadmap, which is a key part of our strategy. The primary focus has been, and continues to be, our investment in improving the broker value chain. We have a number of new capabilities that have rolled out and further initiatives that are planned to assist our profitable growth capability in the year ahead. Additionally, we have, and will continue to add further capability into our fast-growing Private Bank. On other technology initiatives, an exciting area of advancement for us includes our move into robotic processing and data capture, analysis, and informed activity. This will improve our efficiency as well as better target our opportunity to support our customers. Investment also continues in customer interfaces with the bank, with its new app and internet banking portal delivered and an improved website and further opportunities to interact and acquire Auswide products and services online all being delivered in this first half. We have a relatively simple business, and we are focusing on getting the basics right. As I've called out previously, continuous improvements in our lending capability by process and technology improvements to further our growth whilst matching this with lower cost funding are our priorities. Use of partners and their technology along with introduction of robotics to improve processing efficiencies backed by cloud and data advancement are all expected to further assist our capability and our growth. Just before I move on to outlook, which is on slide 29, I'd like to highlight our journey of improving our brand awareness and thus consideration by customers offering great products and services across multiple platforms. Brand awareness continues to improve, and without doubt, our major sponsorship of the Queensland Maroons has assisted significantly. It's always a positive when the Maroons win, unless you're in New South Wales, of course, and consequently, our brand media exposure always increases significantly, particularly here in our home state of Queensland. On to outlook on slide 29. The current environment continues to be uncertain. COVID-19 certainly hasn't gone away. Inflation has kicked in. Interest rates are rapidly rising, and the way our political leaders chart the new normal will be critical to the health of the economy and consumer confidence ahead. Housing markets have been showing some resilience. However, activity is slowing, and some areas are experiencing slippage in prices off historical highs. Those that were predicting circa 20% falls in property prices back in early 2020 are back, and they are predicting similar falls. What have we seen? We've seen, I think, three things in recent times. We've seen first homeowners and other owner-occupier activity having fallen. We've seen investor and particularly refinancing applications having increased materially, so much so that our first quarter will set again a new growth record for us. We have seen in more recent times, certainly with the last RBA rate rise, it's given us a positive nudge on margin as we continue to work hard on optimizing the pricing between our lending and our funding. Our account margin is again recovered to previous levels. On refinancing, we are expecting this loan flow to accelerate for at least the next 12 months-18 months. Unlike any other time I can remember, the Big Four banks were leading the fixed rate pricing wars as they were able to access more RBA funding at 10 basis points than they could fully utilize. The expiry of these loans will provide Auswide with its broker distribution and capability along with its Private Bank, a substantial opportunity, we believe. To sum up, last financial year was again another positive one for Auswide with improved profitability, sound loan book growth, and ongoing investment into improving our delivery to our customers and to our shareholders. Financial year 2023 has started very positively, and we are expecting a continuation of our profitable growth story through this first half. On that note, I'll conclude, and I'll pass back across to the Operator. Bill, has there been any update in terms of the presentation on the ASX? I understand it will be released imminently. Imminently. Any moment. All right. I'll give no one any chance to reassure it for questions, but I'm sure there'll be a few. Over to you, Operator. Thank you very much. If you do wish to ask a question, please press star 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. If you are on a speakerphone, please do pick up your handset to ask your question. Your first question comes from Glen Wellham at MST Financial. Please go ahead. Good day, guys. I think it's actually quite a good tactic not to release your slides. It makes me listen to your words so much more carefully. From what I can pick up, it is a very strong result. Obviously slight discipline on the cost-to-income, mainly due, as you say, to the technology spend. Just wanting to get a feel for that going forward, how significant that will be and what sort of contribution that is making to that cost-to-income ratio and how we should think about it going forward. Yeah, Glenn, thanks for the question. The contribution to the cost to income ratio has been significant. That increase was like at AUD 1.6 million across the year. There were a lot of one-off projects and investment across the year. My expectation, you know, from our budget processes and strategic processes is, of course, that investment will continue, but certainly not with escalating figures in the way that it has been. It will remain probably at worst static at the current level in this current financial year because we're continuing with the projects that we've got underway rather than introducing a whole lot of other new ones. It'll be more of the same, and I expect, as I said, the investment to be close to for technology the prior year, rather than being much, much more. Great. Thanks for that. I suppose Auswide's quite in a position that it can sort of judge the sort of various property markets throughout Australia. Are you seeing more and more big competition in certain areas? What do you believe your higher exposure to Southeast Queensland will give you relative to your peers? Yeah, as you say, Glenn, I mean, not all markets react the same way or at the same pace. At the moment, we've seen a slower level of activity, particularly in Sydney and in Melbourne. Seems to be a little more rapid in terms of that slowdown than it has been in Southeast Queensland. From a property price perspective, we've not seen anything of any material nature at this stage. In fact, you know, our arrears levels continue to remain very, very low, and we've seen no elevation in hardship requests. You know, we'll keep an eye on that. I'm not expecting that there will be any material kind of property price falls. I'm not in the camp of, you know, falls of 20%-odd. But certainly I do expect that we'll see in certain locations some dampening of the elevated prices that we've seen kind of in the past. What we are seeing, Glenn, though, is a material lift in the amount of refinancing that's occurring. And certainly when I look at our flows right now, over 50% of our flows are coming through on refinance. It just does tell me that activity in terms of new purchases is slow, and that, you know, people are out there looking for better deals. Great. Just a question on deposits. How do you think, well, particularly term deposits? Has the competition there heated up in the past six months? Absolutely. We are seeing a substantial amount of competition in term deposits. They've elevated very, very quickly. You know, you certainly can see a substantial elevation in those prices across platforms in particular. Certainly you can sort of see deals being done kind of under the counter in terms of trying to retain customers that might be moving their deposits because of kind of pricing as well. I think there is a correlation in terms of pricing on deposits between those that seem to be aggressing growing very aggressively, very fast who are needing that funding to sustain that versus those that might be growing at a slightly lower kind of rate. Our challenge is trying to get that balance kind of right, and trying to get the mix of that funding right so that we can continue to grow, but continue to protect that net interest margin. Great. One final question, if I may. Longer term, do you see potential benefits of the sale of Suncorp? Yeah. We do. We would have a view that there'd be a number of customers that are ex-Suncorp that have chosen not to bank with a big bank. We would take a view that they would represent opportunity for Auswide. We will be introducing a marketing program as that deal gets kind of closer to being decisioned. Yeah, certainly would see opportunity in it, Glenn. Great. Thanks for that. Well done on the results again. Thank you. Thanks. Thank you. Once again, if you'd wish to ask a question, please press star and one on your phone and wait for your name to be announced. Your next question comes from Alex Tay at Ord Minnett. Please go ahead. Hi, guys. Thanks for your time and result. I guess going on from the Suncorp discussion before, I guess in the broker channel markets, can you go in a bit more detail, the competition and the Suncorp/ANZ, you know, when you look at them as competitors, if you're winning business and other banks aren't doing so much, is Suncorp potentially part of ANZ? How much more advantage might it be? And two, in the lending economics, can you just talk a bit about more how you see in Queensland and that part of it, and you see the loan growth, and it's still maintain that growth in that area more so than the other states? Thanks. Yeah, sure. Thanks, Alex. On Suncorp, you know, it will remain to be seen in terms of how ANZ, should the deal go ahead, how ANZ will look to manage Suncorp and the way Suncorp goes to market. I'm taking a view that with the costs associated with purchasing Suncorp and with the assurances they've given regarding you know, branches, and effectively not pulling out too much in the way of synergies, at least in the first three years, I'm taking the view that they have to get their profit improvements kind of elsewhere. That could well mean that Suncorp, who have actually been pretty aggressive in terms of deposit pricing and have been pretty aggressive in terms of home loan pricing, it could mean that they'll be less aggressive for the future. Could do. No, don't have a crystal ball, so I'm not sure. That would sort of seem like it would be kind of the approach that would not be too dissimilar to going back to the Westpac and sort of St. George kind of days and the approach that was kind of taken there. On the Queensland economy, the Queensland economy still seems to be kicking along pretty well. It seems, Alex, that the Queensland economy is benefiting from continued migration into Queensland. Population growth is stronger than it has been for a long time. I think it's representing around about 50% I think of the population growth that's occurring in Australia. It's a net beneficiary. That of itself kind of provides good demand for properties and ongoing kind of stimulus to the Queensland economy. Of course, we've also got a lot of investments that are coming our way in respect to the Olympics and other well-publicized kind of infrastructure investments that have been kind of called out. I do expect Queensland economy to be one of the more robust ones across Australia over the period ahead. Thank you. Thank you. Your next question comes from Nick Caley at Henslow. Please go ahead. Hi, guys. Just quickly, can you talk about your own initiatives to protect your book due to this wave of refinancing? Yeah, good question, Nick, because it's something that we have been putting a fair bit of time into, and we've restructured a few areas too, and we've recently made some decisions to put on some additional resources across that particular area. There are really three key things that we've been doing. One is we've been building out much better kind of process, much better data, as it comes to the way that we interact and make calls and discuss future arrangements with our existing customers, a particular focus on those with maturing fixed rates and getting to them early. Our data has improved materially to provide us with a lot more information to be able to make more informed conversations. We've also invested, and it is part of the investment that has gone into technology that we had a question on before, in some AI capability that is predictive and gives us in advance a whole set of customer data where it determines those customers may be at higher risk of potentially refinancing from Auswide. When I look across where we are today, in respect to our refinances, they are lower than the industry. We've not, from a percentage of loan book, seen any material increase. We actually do want to see, over the course of the year ahead, a further fall in the amount of refinances that we have. We are very focused on ensuring that we can protect that back book, 'cause it's going to be quite a critical initiative for us to ensure that we get the loan book growth that we want. We also can protect margin because it's cheaper to keep a loan that's on the books already than go out there and get a new one. That clearly is a high focus area for us, Nick. Thanks, Martin. Thank you. Once again, if you do wish to ask a question, please register by pressing star then one on your phone. We are currently showing no further questions. I'll hand it back for closing remarks. Thank you, Cameron. Thank you, everybody, for joining us. Apologies, once again, that the presentation and results weren't loaded prior to this morning's presentation. If they're not up already, Bill, then hopefully they'll be up quite shortly, and you can work your way through those. It has been a good year, and importantly, good momentum into the start of this financial year. Thank you for listening. Thank you, everyone. That concludes our conference for today. Thank you for participating. You may now disconnect your lines.