Ann: HUM 1H21 announcement, page-32

I'm happy with the results,
- Humm and Bundll doing strong
- They seem to have turned the commercial leasing offering around with strong growth

Only downside is the credit cards, especially the Aust cards, although this seems to be purely driven by the travel restrictions. This accounts for $220m in volume which we should see come back gradually anytime from 6-12 months.

With the huge decrease in credit cards, Humm still managed a 25% increase in net profit though increased efficiencies (ie reduction in Opex).

All in all I think this is a great result and I look forward to the full years report.