So running some maths on this one.
- A relatively steady loan book of ~$1.1B at a net interest margin of 11%
- Net interest is therefore ~$121M PA
- Loan losses of ~4.9% of book,, equating to ~$54M (almost half net interest)
- Minus other expenses assuming previous years numbers
- Marketing $8M
- Development $8M
- Depreciation $11M
- Commissions ~$6M
- Admin ~$35M (maybe this comes down)
I am left with a negative profit before tax????
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