What the total loss of FY15?, page-14

Why 18 stores $23m, but 30 stores 20m$? Well, the 20m$ calculation process is based on
1. the loan book increase between 30/Jun/2009 and 30/Jun/2013
2. assumption that QLD contributed 1/4 loan book increase
3. the claim that overcharge is up to 112% (160% - 48%)

We assume NSW conributed less loan book increase. Why NSW case settlement fee could be more than QLD case?
So the explanation is in NSW the overcharge was much more.

"Instead of 48 per cent per annum, those fees meant that the effective interest rate on a typical 'Cash Advance' was about 633 per cent and on a typical 'Personal Loan' was about 145 per cent, and accordingly, the fees should not have been charged." - See more at: http://www.mauriceblackburn.com.au/...erters-nsw-class-action/#sthash.lmXPYSR9.dpuf

"Our case will allege that the brokerage fee should have been considered to be a credit fee or charge under the credit contract, which in effect sends the annual percentage rate of loans as high as 160 per cent per annum" - See more at: http://www.mauriceblackburn.com.au/...ss-action-in-queensland/#sthash.P2a1jyUC.dpuf