I've just read page 76 of the annual report around the outlook going forward, it's a good read that gets straight to the point - I think/would hope that the close relationships between the bankers and the customers (a low average of 30 customers per banker) allows Judo to get ahead of the curve on bad debts. I imagine that the 50-100bps premium that customers pay translates to more face-face, phone contact between them and the banker, allowing both parties to benefit.
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I've just read page 76 of the annual report around the outlook...
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