It won't get much worse IMO, but the one to watch out for is this low period is imprinted in the loan book now, as the amortisation accelerates in time. So this quiet year will need a couple of strong years to wash out. So I expect the total loan book to drop next year off todays figures as the older high growth loans wash out.
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It won't get much worse IMO, but the one to watch out for is...
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