Pre Investor Day - Notes from Q&A session, page-42

....yes, as highlighted by my previous post. thank you for repeating exactly what i said back to me without answering a genuine question.

regardless of how you categorise it, it is over 5 x the market cap and must be factored in by any buyer. It isn't garunteed money to be paid back. if we see another genuine financial crisis this becomes over 2b in high risk debt. the fact it doesn't concern you, is concerning.

why would i stay clear of banks? they generate returns for shareholders. I'd just like hum to do the same.