Ann: H1 FY23 Results Update, page-99

And here is the Ord's one...

Zip Co.'s 1H earnings were stronger-than-expected by Ord Minnett analysts, who are now waiting for more detail on the Australian buy-now-pay-later provider's efforts to monetize its non-core assets. The analysts say in a note to clients that Zip's 1H earnings loss was smaller than they had anticipated on both a cash and an underlying basis. They think that Zip will need to keep its credit losses at 2% or lower if it is to hit its target of earnings profitability in fiscal 2024. Marketing and salaries will have to be tightly controlled, they add. Ord Minnett maintains a hold recommendation and trims target price by 7.1% to A$0.65.