Great points. I do think the big banks are Mny main risk (apart from bad debts blowout), purely cos if they decide to enter the market aggressively we all know what sort of interest rates they could offer for secured car loans. I remember 15 or so years ago 90% of my clients car loans were from major banks and Macquarie, these days lucky to be 10%. Good for Mny. But yeh like you say, maybe the big banks can’t because of capital requirements and extra staff costs, let’s hope that continues! Can’t see it changing in the near future
Ann: FY21 Annual Results, page-18
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