Ann: 2023 Half Year Results Announcement, page-8

for me the curious numbers are:

1. a token profit post A$260m write offs. the quantum of write off looks almost 'convenient'
2. lower dividend payout ratio based on cash eps ... closer to 50% than 60 ~ 75%, is this a glimpse of what ahead?
3. marginally higher provisioning going into difficult 'cost of living' conditions ... would have thought provisioning might have been a little more cautious. Or is this 'convenient' provisioning
4. NIM increased circa $91m cash yet not shaking out on bottom line ...

otherwise, same ol same l struggle BOQ.

have a great day