You can see it already in the EBITDA and NIM figures.EBITDA...

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    You can see it already in the EBITDA and NIM figures.

    EBITDA expected to be $100-110m (or 'in-line) - this is after added expenses from cyber, etc.
    NPAT expected to be $24m-30m

    If EBITDA is flat, Why should NPAT be ~$20m lower, other than interest costs? Are they amortizing $20m more in 1 year?
 
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