Operator

Welcome to Judo Market Update. [Operator Instructions] Please be advised that today's conference is being recorded. We have scheduled this briefing to 60 minutes. [Operator Instructions]

I would now like to hand the call over to your first speaker today, Chris Bayliss, CEO. Please go ahead.

Chris Bayliss
Co-Founder, CEO, MD & Director

Well, good morning, everyone, and thank you for joining us at such short notice. I know that no one had this call scheduled in their diary, so I do appreciate you finding the time to join us. As you'll already have seen, today, we're providing an update on Judo's asset quality and trading performance as we approach the end of FY '26 next week.

Let me -- I want to start by saying we continue to see strong underlying momentum in the business. All of our key metrics around customer satisfaction, growth, NIM, costs and capital are on target to meet or exceed the previous guidance that we have provided. However, in the past couple of weeks, we've experienced some asset quality issues that we're actively managing. Specifically, we've had -- unexpectedly, we've had a deterioration in a small number of exposures, well, actually 3 specifically, across different sectors in different states. I want to stress these are borrower-specific issues for 3 different reasons, but being so