not really. In the half year, Commercial (and leasing) was roughly 9.4 million NPAT. BNPL was 8.4 million, cards (NZ and Aus) was 16.7 million. Commercial contributes a decent amount but only around 30%.
I could see profit being lower due to putting holds on repayments due to COVID etc but no way profit has disappeared, particularly as commercial was up 5% in Q3 on pcp and card volumes were up as well (trading update 23 April). BNPL growing well. Can’t see how it is possible for it not to be making a decent profit, even with product development and increased marketing.
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