From listening to the investor briefing, that's not my understanding. The CFO was talking about how using the NAB funding was going to improve loan margin significantly. He was describing it as a transformative to the fundamentals of the business model given that the off-balance sheet selling of the loan book was an expensive initial model for the start-up phase of the personal loan business. Please feel free to correct any misunderstanding I may have.
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- Ann: Commentary on Appendix 4C
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