Agreed solid results without shooting out the lights. I thought...

Agreed solid results without shooting out the lights. I thought there were a few near and long term features which could be cherry-picked.

Long term
Expanding customer deposits to form larger funding base to enable more lending at controlled margins
expanded lending - the profits of which will feature of course in future years.
very low arrears rates being one of the best amongst the banks
healthy increase in the Bespoke Private Bank in both lending and deposits - a somewhat niche area for ABA
healthy increase in customer base in difficult conditions
strong banking and capital requirements retained
Near Term
loan book growth of 14.2%
reducing costs of digital processes and cyber protection much of which have been updated in FY23
Probable more acceptable net interest margin(NIM) restored due to improving wholesale rates and hopefully less reliance on sales to securitisation warehouses at the expense of NIM
continued steady yield for holders
Cautious approach during current macro conditions while looking for modest growth with high quality lending with NIM protection.

Like Tarvold - I am happy with that and would not like to see them competing hard at the expense of quality and NIM.