Ann: Material Terms of Employment (Chief Executive Officer), page-14

2011 2012 was when other MIS schemes went belly up and from memory was when the CBA pulled the plug on TFC as it was then - forcing a refinance which has recently been renegotiated (last year).

A difference here is the underlying product has strong and growing market demand with declining alternative supply sources.

Probably some other factors at work here but I have forgotten them.

And for HT's benefit

All IMO and DYOR.