What an amazing result. Actually significantly better than I had...

What an amazing result. Actually significantly better than I had expected on so many measures.

- Revenue up, back to pre-pandemic;
- EBITDA exceeds pre-pandemic significantly (record EBITDA);
- We have made an NPAT;
- Operating leverage coming through with costs as % of revenue materially reduced;
- Share buyback of up to 10% of shares within next 12 months, good move at these levels;
- Funding costs down;
- Bad debts % down;
- Record originations and record closing loan book.

There are plenty of tailwinds as Australia opens up. I would suggest interest rate increases is a positive for them too as it gives them flexibility on the net interest margin, on now a record loan book balance.

I'm glad the market is appreciating the results thus far. Fingers crossed the share price holds and continues to do well in coming days, as it draws the attention of market participants.