what's of more importance is to know exactly what terms they borrow money at, the interest they have to pay back, how MTO are geared and if you look into it you will see it's offset by the income not just sales but look at the income MTO gets from their borrowers (those who buy motorcylces from them through finance so they have to pay back MTO) not sure why you can't understand that. it's a very profitable business. Business 101
Ann: MTO FY23 Interim Results Presentation, page-15
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