you need to do some research mate. Australia has had a remarkably robust consumer and commercial lending environment for at least the last 30 years. I worked for LFS (in its previous guise as GE Money) during the GFC and it did very well. The industry handled COVID exceptionally as well. The only exception in my view is some BNPL lenders who ignore good risk management practice like checking credit reports in the name of unconstrained growth. That NEVER ends well. The rest of the industry will be fine.
Ann: hummgroup 3Q22 business update, page-71
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