Sorry to disappoint you - NPAT is not 2.2%.
It is the NET TRANSACTION MARGIN which does not include staff cost, office cost, marketing cost, data centre cost, compliance cost ect.........
So you have to deduct the operational costs which at a conservative basis will be 1% and tax @30% - So it is at best 0.7%
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$50 here we come..., page-415
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