Financial Performance - Group underlying NPAT increased by 9.2% to $131 million compared to $120 million in 1H 24[5, 27] - Underlying EPS increased by 18.2% to 5.2 cents per share[6, 27] - Controllable costs improved by 4.4% to $303 million[5, 27, 90] - Cost to income ratio improved by 2.9 percentage points to 59.4%[6, 27] Assets Under Management (AUM) - Total AUM increased by 3.7% since FY 24 to $153.9 billion[6, 30] - Platforms AUM grew by 4.3% to $83.2 billion[32] - Superannuation & Investments AUM grew by 2.8% to $58.5 billion[32] - New Zealand Wealth Management AUM increased by 3.6% to $12.2 billion[32] Business Unit Performance - Platforms underlying NPAT increased by 7.4% to $58 million[33, 37] - Superannuation & Investments underlying NPAT remained stable at $34 million[33, 48] - AMP Bank underlying NPAT increased by 2.9% to $36 million[33, 61] - New Zealand Wealth Management underlying NPAT increased by 11.8% to $19 million[33, 74] - Group underlying NPAT showed a decrease of 20.0% to -$16 million[33, 77] AMP Bank - Residential mortgage book grew by 2.8% to $23.326 billion[61] - Net interest margin (NIM) increased by 2 basis points to 1.30%[61] - Transactional balances for 'AMP Bank GO' reached $123 million[21]