Slide 7 is perhaps the most significant in the pack.
Despite the acquisition and the acquisition of PDLs during H1 gearing remains well below that of pre capital raise levels where it existed for some time.
Given the market in which this business operates its not possible to immediately deploy all balance sheet headroom to drive earnings without risking a deterioration collectability metrics.
It will likely be some 18-24 months before we see the balance sheet fully geared and the full uplift to earnings.
Ann: Credit Corp Group H1 of 2020 Results Presentation, page-3
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