I would now like to hand the conference over to Pete Lirantzis, Chief Executive Officer. Please go ahead. Thank you. Good morning, everyone. Welcome to Resimac Group's investor briefing for our full year results to June 2026. I'm Pete Lirantzis, CEO of Resimac. Joining me today is our Chief Treasury Officer, Andrew Marsden, and our Maenzanise When I hosted my first full year call 12 months ago, I stated that our strategy centers around back to the core. That is sharpening the focus and investment on our home lending as the engine of sustainable growth, renewed focus on delivering a better experience for our customers, and strengthening relationship with our brokers. Financial year 2026 is the year that that work began to show up in the numbers. In today's presentation, we'll cover our financial performance for financial year 2026, and the shape and quality of our home loan and asset finance portfolios. Tonderai will walk us through the financials. Finally, I'll wrap up with our priorities and our outlook for financial year 2027. Before I begin, I want to thank our customers, brokers, funders, and our people. These results reflect the dedication of our people and the continued support of those who place their trust in Resimac. For those of you following on the presentation, I'll be on slide three, labeled Our Mission. Before I get into the numbers, a brief reminder of who we are and what we stand for. For decades, since 1985, Resimac has helped customers buy homes, grow businesses, and take on new opportunities. As a diversified non-bank lender, we operate across home loans and asset finance. Whether a customer has strong equity, is self-employed, or needs a flexible approach, Resimac works with brokers to match customers with lending products that suits their needs. Our mission is to shape the future of non-bank lending through intelligent technology innovation, efficiency, and a genuine commitment that drives success for our people, our customers, and our channel. The group is focused on strengthening customer servicing and using technology to improve operational performance, support sustainable long-term shareholder value, and deliver better broker and customer experience. The ambition is underpinned by our values. People first, own the outcome, and make it happen. At our core is a high-performance culture where technology strengthens human judgment and enables smarter, more productive operations. Moving on to slide four. Financial year 2026 was a strong year with improved earnings, strong portfolio, AUM growth, better returns, and positive operating leverage. This was achieved despite more challenging macroeconomic conditions in the second half. Normalized operating profit was up 18% to AUD 92.2 million on financial year 2025, AUD 78.6 million. Normalized NPAT increased 26% to AUD 49.9 million, compared to AUD 39.7 million last year. Stat NPAT improved 42% to AUD 49.2 million, compared to AUD 34.6 million in previous years. Our normalized cost-to-income ratio improved to 53% from 53.6%. Income growth outpaced expense growth despite deliberate investment in people, technology, and strategic capability. Home loan settlements increased 20% to AUD 5.9 billion, and home loans AUM grew 10% to AUD 14.7 billion. Asset finance AUM, excluding the Westpac portfolio, grew 7% to AUD 1.5 billion. Issuance for the year totaled AUD 5.5 billion, up 28% on AUD 4.3 billion in financial year 2025. Given this performance and our disciplined approach to capital, the board has declared a fully franked final ordinary dividend of AUD 0.06 per share. That results in a full-year dividend of AUD 0.10 per share, up 53% on financial year 2025. Put simply, we grew the core, we improved returns, and returned capital to shareholders while continuing to invest in our business. Moving on to slide five. Core focus. Home loans remain our core business and primary earnings engine. The back-to-the-core strategy we outlined last year is now starting to deliver results. Settlements increased 20% to AUD 5.9 billion, supported by applications of AUD 9.4 billion, compared with AUD 7.6 billion in financial year 2025. Importantly, that was achieved in a competitive market and without reliance on one-off pricing campaigns. AUM reached AUD 14.7 billion, up 10%. Prime's contribution grew over the year, improving the scalability of our portfolio and supporting future earnings growth. This reflects the work we've done to invest in improving services and technology, speeding up decisions, streamlining credit processes, strengthening our sales and distribution functions. These changes are making Resimac more reliable, responsive, and overall easier to do business with. It also gives us a strong platform to quickly pivot as opportunities emerge. We acknowledge the market headwinds resulting from the federal budget changes. Our business model is resilient, and there are five key points worth making. While application volumes have moderated by about 10% following the federal budget changes, these remain materially better than the 15%-20% declines reported across parts of the broader market. Resimac still delivered 20% year-on-year application growth, with home loans AUM growing ahead of system. Importantly, NIM was flat despite strong AUM growth and greater mix of prime lending, demonstrating both market share gains and resilient portfolio economics. Resimac has limited exposure to SMSF lending, so the regulatory changes are not expected to have a material impact on the business. By combining our product ranges and deep brokerage relationships, we believe we can grow our addressable market and improve our results, even in the shifting lending landscape. Our strategy is built on stable ownership base, more than 40 years of experience across multiple credit cycles, strong broker relationships, and a diversified funding platform. Moving on to slide six. Growth has been achieved without compromising portfolio quality. The portfolio is balanced across three compositions. 53% owner-occupied and 47% investment. 57% prime and 43% non-conforming. 62% principal and interest against 38% interest only. Weighted average dynamic LVR was 62.2%, with around 58% of these accounts in less than the 60% band. Prime 90-day-plus arrears remain below the major bank averages. This reflects the resilience of our customers and the strong equity buffers they hold, which are well suited to the current environment. It also provides protection against property price movements and supports the strength of the group's credit profile. The breadth of products we offer, combined with the deep broker relationships built in financial year 2026, enables us to expand our addressable market and position Resimac well to navigate the current shifting lending landscape. Moving on to slide seven. Financial year 2026 was a deliberate repositioning year for our asset finance business. We have managed the portfolio in line with the prevailing operating environment, prioritizing the right business at the right risk-adjusted return rather than chasing volume. Settlements moderated to AUD 0.8 billion from AUD 0.9 billion, and applications to AUD 1.2 billion from AUD 1.4 billion. That was a choice, not an outcome. Closing AUM, excluding the Westpac Auto Portfolio, still grew 7% to AUD 1.5 billion. Average AUM grew 17% and margins expanded, with asset finance NIM up 13 basis points to 312 basis points. The financial year settlements mix was 46% auto, 17% equipment finance, and 37% secured business lending, aligned with our strategy. As the Westpac portfolio continues to run off, asset finance is increasingly focused on higher quality segments. We are deliberately cautious in particular segments, which is based on our 40 years of experience across multiple credit cycles. The disciplines we applied to credit, collections, and recoveries through financial year 2025 and financial year 2026 is now clearly visible in our portfolio performance. Moving on to slide eight. Funding remains Resimac's important competitive advantage. In financial year 2026, we issued AUD 5 billion of RMBS and AUD 0.5 billion of ABS while reducing overall funding margins. This takes our aggregate bond issuance since inception to almost AUD 60 billion. Funding margins improved during the year and continue to support the lower cost of funds, portfolio growth, and earnings resilience. Our long-standing access to domestic and offshore securitization markets, together with our mix of bank warehousing facilities, provides growth capacity across a range of market conditions. Despite market volatility during the period, we were able to reduce the senior price on our benchmark bond trade in June. Moving on to slide nine. I want to wrap up on our priorities before turning to the financials. Our strategy, again, is anchored in a disciplined five-point plan designed to transform Resimac into an intelligent lender. Drive operational excellence, and deliver sustainable long-term growth. We have more work to do in financial year 2027 to further establish these fundamental strategic priorities. It is a deliberate focus. It builds on our strengths and it sharpens how we execute. Number one, strengthen the home loans portfolio. Residential mortgages remains our highest priority and our primary earning engine. We will grow AUM sustainably through increasing the range of lending products, further uplifting our retention activities, and improving the broker and service experience. We are going to continue to invest in technology, including unlocking the power of AI to deliver intelligent lending. We will use AI and data, including automation, to improve decisioning, productivity, and broker and customer experience. As I said last year, technology is no longer a pillar to be implemented. It is the foundation of how Resimac operates, competes, and creates value. We will further deepen channel relationships and partnerships. Growth in this market is driven by trust, time to approvals, and consistency. We are streamlining channel partnerships and customer journeys and strengthening relationships through more personalized services. Number four, we will still maintain and build a complementary set of products. We will refine our asset finance products to improve risk-adjusted returns and scale complementary products to strengthen and diversify our AUM. We will build a high-performance culture. We are embedding the mindsets and behaviors that drive performance, support growth, and help us to attract and develop and retain talent. The financial year results in 2026 demonstrates an increased traction across all of these priorities. In addition, in financial year 2026, the Group AUM has hit a record high for Resimac at AUD 16.5 billion. I will now hand over to Tonderai to take us through the financial results. Thanks, Pete. Good morning, and thank you for joining us. As Pete outlined, the business delivered stronger earnings, stronger growth, and higher returns. I will focus on what drove those outcomes and why we believe they reflect an improvement in the quality of earnings across the Group. We grew our core home loans business, improved operating leverage, enhanced funding economics, strengthened shareholder returns, and maintained a conservative risk profile. Together, these outcomes position Resimac well for sustainable growth and value creation into FY 2027 and beyond. With that context, I will walk through the key drivers of the results. Turning to slide 11. FY 2026 delivered a materially stronger financial outcome. Revenue growth exceeded expense increase, driving improved operating leverage, stronger profitability, and higher returns. One of the most encouraging aspects of the results is that income growth exceeded expense increase despite continued investment. That is the clearest evidence that the business is becoming more scalable and operating leverage is starting to emerge. Operating income grew 17%, operating profit increased 18%, and normalized NPAT increased 26%. Importantly, this growth was achieved while continuing to invest in people, technology, and strategic capability. Credit performance remained resilient. Return on equity improved to 13.6%, and the Board increased ordinary dividends by 43% to AUD 0.10 per share. The key takeaway is that earnings quality, returns, and capital efficiency all improved during FY 2026. Now turning to slide 12. This bridge demonstrates that earnings growth was broad-based rather than reliant on a single driver. Home loans were the largest contributor, reflecting strong segment growth and higher average AUM. Asset finance contributed through both growth and improved portfolio economics, while lower funding costs supported margins across the Group. The full year contribution from the Westpac Auto Portfolio provided an additional uplift to earnings, while stronger lending activity supported IFC income. Importantly, these drivers more than offset the increased investment in people, technology, and business capability. The key takeaway is that FY 2026 earnings growth was driven by stronger business fundamentals, improved economics, and disciplined execution. Importantly, while Westpac Auto was a meaningful contributor, home loans growth and improved funding economics remained the largest recurring drivers of earnings growth during FY 2026. Now turning on to slide 13. The key message from this slide is that portfolio economics improved during FY 2026, despite a highly competitive lending environment. Group NIM increased by 5 basis points to 159 basis points, reflecting the combined benefits of lower funding costs, stronger asset finance margins, and the full-year contribution from the Westpac Auto Portfolio. These factors more than offset competitive pricing pressure in home loans. Looking at the underlying portfolios, home loan NIM remained broadly stable at 131 basis points. While competitive market conditions continued through FY 2026, improved funding margins and disciplined pricing helped maintain portfolio economics while supporting strong segment growth. This is despite the rebalance of the portfolio from non-conforming to conforming back to long-term averages. Asset finance NIM increased 13 basis points to 312 basis points, reflecting the delivery shift towards high-risk adjusted return segments and an improved product mix. As the Westpac Auto Portfolio continues to run off, new origination is increasingly focused on segments delivering stronger economics. Overall, the combination of improved funding economics, stronger asset finance returns, and disciplined portfolio management resulted in stronger profitability and improved returns across the group. The key takeaway is that margins remain resilient and the underlying economics of the portfolio improved during FY 2026. Turning to slide 14. The key message is that portfolio quality remains strong despite the challenging economic environment. Impairment expense reduced 5% to AUD 21.4 million, reflecting improved recovery outcomes and disciplined collections management. As Pete highlighted earlier, the home loan portfolio remains conservatively positioned, and the FY 2026 impairment expense and provision outcome reinforce that strength. While home loan provision coverage reduced modestly by two basis points to 20 basis points, this reflects stronger portfolio fundamentals rather than an increased risk appetite in the higher proportion of prime lending in the portfolio mix. In asset finance, we have taken the opposite approach. Coverage increased 7 basis points to 127 basis points despite a reduction in the provision balance as the Westpac Auto Portfolio continued to run off. The coverage increase is in response to the higher risk characteristics of the portfolio and the observed increase in [NZ] areas levels during FY 2026. We have made policy changes to address the [NZ] segment risk. The key takeaway is that earnings growth is not coming at the expense of credit quality. Portfolio fundamentals remain strong and provisioning remains prudent. Turning to slide 15. The FY 2026 capital outcome demonstrates how we are translating stronger earnings into tangible shareholder returns while preserving balance sheet flexibility. Stronger earnings supported a 43% increase in ordinary dividends to AUD 0.10 per share, while surplus capital was returned through a fully franked AUD 0.09 special dividend. We also retained approximately AUD 103 million of franking credits, providing significant flexibility for future shareholder returns. These outcomes demonstrate our commitment to balancing three objectives. One, supporting growth. Two, maintaining balance sheet strength. Three, delivering attractive shareholder returns. The key takeaway is that the group increased shareholder returns while preserving the future capital flexibility. Importantly, the strength of the balance sheet and our remaining franking credit position provides flexibility as we continue to balance growth, shareholder returns, and future capital management opportunities. I will now hand back to Pete. Thank you, Tonderai. Moving on to slide 16. Our focus is clear. Our home loans business continues to scale, asset finance returns are improving, funding markets remain supportive, and AI automation and process simplification gives us a clear opportunity to lift decision speed, service quality, and productivity. Our priorities remain unchanged. Invest in tech to improve customer and broker experience, sustainable home loan growth, high-quality asset finance originations, prudent risk management, disciplined capital allocation, and security and fraud remain front of mind, along with our continuous focus on compliance and governance uplift programs. There is still more to do, and investing and improving our service quality, decisioning speed, and productivity will remain critical, and we are focused on improving each of them. In closing, I'd like to thank our people, brokers, channel partners, funders, and shareholders for their continued support. I'd also like to personally thank the board for its confidence in me and the leadership team as we guide Resimac through the next phase of our growth. Thank you for your time today. We will now be pleased to take your questions. Thank you. If you wish to ask a question, please press star one on your telephone and wait for your name to be announced. If you wish to cancel your request, please press star two. If you are on a speakerphone, please pick up the handset to ask your question. Once again, if you wish to ask a question, please press star one on your telephone and wait for your name to be announced. There are no further phone questions at this time. I'll now hand back to Pete Lirantzis for closing remarks. Thank you, everyone, for your participation and logging on to the call. Looking forward to financial year 2027 and outlining our results then. Thanks. That does conclude our conference for today. Thank you for participating. You may now disconnect.