Australian Challenger Bank Reports Strong Performance

Judo Capital Holdings Limited (ASX: JDO), the parent company of Judo Bank Pty Ltd, is solidifying its role as a vital financial partner for Australian minor and medium-sized enterprises (SMEs). The bank has demonstrated consistent growth and stability, attracting significant depositor confidence and expanding its national reach.

Key Financial Highlights

As of December 31, 2025, Judo Bank’s unaudited gross loans and advances (GLAs) reached approximately $13.4 billion. The bank’s blended lending margin increased to 4.3%, driven by disciplined portfolio management and higher-quality lending.

• Loan Book Growth: $13.4 billion (as of December 31, 2025)
• Lending Margin: 4.3%
• Term Deposits: Exceeded $9 billion

Strategic Expansion and Investor Confidence

Judo Bank is actively expanding its physical presence, with plans to operate 30 branches by June 2025. This expansion aims to enhance accessibility for SME customers across Australia. Despite some market concerns related to holdings reductions by major investors like Bain Capital and GIC, the bank maintains stable fundamentals.

The bank anticipates a profit before tax growth of 15% for FY25 and a more ambitious 50% growth target for FY26.

A Relationship-Led Banking Model

Founded in 2016 and headquartered in Melbourne, Judo Bank distinguishes itself through a relationship-led banking model that prioritises personalised service over traditional retail offerings. This approach focuses on understanding the unique needs of each SME client and providing tailored lending solutions.

“Our experienced bankers use judgement to back intelligent business owners.”

Judo Bank

Judo Bank offers a comprehensive suite of lending products, including business loans, lines of credit, equipment finance, and bank guarantee services.

Did You Grasp?

Judo became the first fully licensed Australian bank dedicated solely to SMEs in over three decades.

FAQ

• What types of businesses does Judo Bank serve? Judo Bank exclusively serves small and medium-sized enterprises (SMEs).
• What lending products does Judo Bank offer? Judo Bank offers business loans, lines of credit, equipment finance, and bank guarantee services.
• Where is Judo Bank headquartered? Judo Bank is headquartered in Melbourne, Australia.