The $3.88B consensus estimate is for full-year NPAT, not half-year.
And tax is already accounted for in NPAT, you don't take it out again.
So if you were to use their numbers, half year NPAT is $1.94B or A$2.8B. At 60% payout ratio that would be 55c per share.
But I think NPAT will be higher than that in 1H. They are forecasting full year and assuming lower IO in 2H.
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