when will AMP HIT $2.00, page-1053

The only reason I am unable to make a comment on expectations is mainly due to this FY being tha last FY to do all the 'heavy lifting'.

Imagine this conversation in 3 -5 yrs from now.

- Client remediation - done
- BOLR - done
- Wealth legal matters/ASIC/Complaince/Robot - done
- Bank platform upgrades - done
- Wealth upgrades - done
- Capital Partnerships/JV/ Growth - done

No reason for underlying profit to be hindered from any of the above.

In fact, we may see more profit coming from the Investments from China/US/Insurance coming to fruition, so rather than seeing an underlying profit being reduced, we may see more above the line in terms of profit.

I cannot comment on FY 21 as its, once again, extra-ordinary, however FY 22 and FY 23 I will expect divis to be returned and BB to ramp up.