Yes, anything related to the legal stuff is backed out, though I dont think there will be any real update on that as its still working through the courts.
The rate cut might help this year's guidance a smidge as I think that should get passed on by the lenders via a lower BBSW.
I was hoping for an upgrade regardless of the rate cut as intial guidance has tended to be conservative, and you'd hope some of the investment made recently starts to pay off in better efficiency.
Plenty of cash lying around for loan book growth as well, though maintaining credit standards is obviously a consideration.
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