Bendigo and Adelaide Bank reported a 9.4% increase in cash earnings after tax.
The regional bank said the outlook has got a little bumpy as rising interest rates hit property market valuations and growth slows.
?We will continue to manage costs diligently, strengthen the returns we derive from our investments, and improve returns to shareholders,? said Chief Executive Marnie Baker.
The Bendigo Bank share price dropped more than 7% following the company's release of its FY22 results.