Well noted @Lobster77. As they say, 'it is what it is' however...

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    Well noted @Lobster77. As they say, 'it is what it is' however they spin it.
    Melos Sulicich is a hard act to follow. It will be nteresting to see how Brett Morgan puts his stamp on the business.
    NIM is the elephant in the room with lower margins reflecting competitive market dynamics.

    https://hotcopper.com.au/data/attachments/4636/4636400-66c7bbdb9d9c4402fb14199ee49d7582.jpg

 
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