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Ann: 1H FY23 Results Management Presentation, page-10

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    Perhaps take a minute to read the transcript.

    https://hotcopper.com.au/data/attachments/5055/5055484-ee899b8ad40017b56908475ad5def17d.jpg

    Whilst the core returns to more normal operating conditions, they will continue to see a huge increase on the interest returns.
    Even if rates slow/stop/fall a little in the years to come.
 
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