Ann: Chairman's Address to Shareholders, page-2

In the FY2018 Results Presentation (17/8/2018) and in this present "Chairman's Address to Shareholders"  actually contains a same profit warning, which has been largely ignored by the market so far.

In page 16 or page 18 of the above documents under the title "FY19 Outlook", it says –

”Total operating revenue ... is expected to be slightly below FY18 ...
"our expense base is expected remain consistent with FY18 ...
”The effective tax rate is anticipated to be approximately 24% ..." (Tax rate was ~22% for HY18 according to CommSec Research)

So the HY19 earnings must be lower than FY18’s and the growth rates must be negative, but its present trailing PE is nearly 23x, so you know what would have to happen next to its share price...