Ann: HUM - FY22 financial results briefing, page-12

Well, there’s the shut down of bundll in NZ. Then there’s what appears to be the “soft” shutdown of bundll in AUS.

There’s been chatter on social media groups about customers having their credit limits reduced.

UK and Canada both appear to be going ahead still.

They’re trying to clean up their loan book and I think that’s a good start. Reduce bad debts and consolidate current markets. If they get the big things right in international markets they can take it elsewhere. Ireland is successful so going into UK was a given. Perhaps same will be said of Canada and entering the US. Sub $1000 market is not profitable.

Commercial results will be very strong. Plenty of people in the industry speak highly of flexicommercial and competitors know of their work.

It’s the credit cards that will make the difference. Has the Flight Centre partnership made for some inroads with travel being back with a bang?