Yes it does appear those other 2 players have been aggressive, especially Encore. They have a much lower repayment book to CCP, so it seems that they in particular have been very aggressive.
the no net debt and halving of loan approvals says to me there has been pretty big run off of the loan book. Most of those loans are for under a year, so that looks like it will continue. Lets hope they can redeploy that capital into PDLs otherwise that will drag on FY21.
the still 'in discussions' with a big client in US doesn't read that well, whats the difference between that seller and rest of them that re-negociated? Lets hope that doesnt turn into a legal dispute and cost money and time.
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