There is better executive allignment at PNC, but it is worth noting that the same CEO that presided over an accounting "issue," which nearly lead to the insolvency of the company is still in charge.
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Great part of the result for me was the stabilisation of the AUS/NZ PDL segment and FY25 might see it turn the corner. I think it is a fair assumption credit card use and bad debts will increase as consumers are increasingly squeezed by higher rates. That will hurt Wallet Wizard a bit, but will be good for the PDL segment longer term. Nevertheless, the market may never recover the 1/3 drop in credit card use, but if the US is any guide it will surely recover at least some of the lost volume.
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