Supporting Members and their financial wellbeing remains at the heart of everything we do. Over the recent months, we have celebrated several milestones and achievements that reflect our commitment to delivering value for Members, while continuing to support the communities that make Queensland such a great place to live and work.

I am pleased to share that Queensland Country Bank has once again been recognised as Canstar's Customer-Owned Bank of the Year for First Home Buyers, marking the fourth consecutive year we have received this award. For many Queenslanders, purchasing a first home remains one of life's biggest milestones, and often the most challenging. This recognition reflects our commitment to providing competitive home loan solutions, personalised support, and trusted guidance to help Members take confident steps towards home ownership.

The way people choose to bank continues to evolve, and we are focused on ensuring our services evolve with them. Through our partnerships with Fiserv and VeriPark, we are enhancing our digital banking capabilities to build a more connected and seamless banking experience. This transformation of our digital systems is a significant organisational project that will progress over the next 12 months. Through future newsletters and other communication, we will keep Members up-to-date with this project and the new technology solutions we will be delivering to enhance the digital banking experience. These improvements will help us meet the evolving needs of Members while maintaining the personalised service, local expertise and strong relationships that have defined Queensland Country Bank for more than 55 years.

Delivering great service starts with great people, which is why am particularly proud to share that Queensland Country Bank has been recognised as one of Australia's Best Workplaces by Great Place to Work, which includes special recognition this year of being one of Australia's Best Workplaces in Finance and Insurance. This achievement reflects the inclusive and supportive culture our employees have helped create and acknowledges the dedication they bring to supporting Members each day.

Another exciting milestone was the opening of Queensland Country Bank Centre in Brisbane. The new facility provides a modern and collaborative workplace for our team and strengthens our ability to support Members across Queensland now and into the future. We recognise the value of staff working together in person and want to make sure our work environment encourages and supports this. Our commitment to Queensland extends beyond banking. Through our Good for Good Community Grants program, we continue to support organisations that are making a meaningful difference in their community. From grassroots sporting clubs and community groups to local projects and services, these grants help create stronger, more connected communities.

Protecting Members financial wellbeing also remains a key priority. As scam tactics continue to evolve, staying informed and vigilant has never been more important.  We encourage Members to take a moment to pause and verify unexpected requests for personal and financial information and to contact us if something doesn't seem right. Often, taking a few moments to stop and think before responding is one of the most effective ways to stay protected.

Before I conclude, I would like to acknowledge the passing of former Director and Deputy Chair, John Weier, in July. John dedicated more than four decades to the credit union and mutual banking sector and played an important role in shaping Queensland Country through his leadership and service. He will be remembered not only for his dedication and professionalism, but also for the positive impact he had on colleagues, Members, and the wider sector. My sincere condolences go to John's family and friends.

Thank you for your continued trust and support. Everything we achieve is made possible by our Member’s ongoing support.  We remain committed to supporting your financial wellbeing, strengthening local communities, and delivering the service and support you can rely on.