Ann: Quarterly Update and Appendix 4C, page-17

You clearly don't understand the shock they gave the market:
1. Bad debts up from 1.6% to 2.3% Q1 vs Q2
2. NTM margin down from 2.5% FY20 to 1.1% Q2 FY21
3. Revenue yield down 1.8% from 9.3% in FY20 to 7.5% in Q2 FY21

The only positive is the reduction in the cost of funding. The bottom line is atrocious. Cash burning out of control. This is far from responsible credit management and the CFO was not keen to rule out a CR. Watch this space.