Cash Generation ReboundA large positive operating and free cash flow outturn in FY2025 provides durable liquidity and internal funding capacity. Sustained cash generation supports loan growth, provisioning, and capital rebuilding without reliance on external financing, improving strategic flexibility over months.
Material DeleveragingMarked reduction in leverage materially lowers financial risk and interest burden, improving solvency and regulatory headroom. A stronger capital structure increases resilience to shocks and creates capacity to pursue growth or return capital, supporting longer-term stability.
Return To ProfitabilityResumption of net profit and positive operating income signals the business model can generate earnings after prior losses. If maintained, this underpins reinvestment, reserve rebuilding and incremental improvements in franchise economics over the medium term.