DSH maybe sold stocks of more than $100m per month, page-4

True creditors were lower but also remember they had $71m in bank debt at that stage which was attracting interest.

I don't think you can say the bankers were cold minded when the facility got maxed out within 6 months and they found out DSH management got $30m more debt from Macquarie Bank. I think this would have added to questions about the character of management when assessing the business's position - I doubt they told NAB/HSBC about the Macquarie Bank loan when they got it.