Ann: $12.8m Special Dividend Received, page-14

As a migrant I have absolutely no trouble opening bank account in Australia or trouble transferring payment to & from overseas....so not sure how much this narrative of "migrant bank" would e sold to real migrant in my opinion.....!

many international student from India and China open account back home in a bank that has branch in Australia so it isn't as difficult as it sounds to transfer money for international students in my opinion.

sure there may be some who might end-up using NOV but time will tell how many new accounts bank opens without paying referrals bonus .... IMO...!

RKN share price is 51% down from all time high a month ago or 42.71% down within a year based on yesterday closed price.