Now they have an AFSL they can attract Australian deposits at...

Now they have an AFSL they can attract Australian deposits at lower rates than NZ. This is perfect timing for SME's that have seen the banks tighten up on lending recently. This coy is still flying under the radar. New management appear to be moving to coy in the right direction and profitability. Eventually the market will wake up. My guess is after the annual report. Year end is March 30. Looking forward to seeing the new lending platform technology.