NZ generated 8.6m more EBITDA in HY 2023 and that is equivalent to about 20% of group EBITDA just reported. Meanwhile, the Aus segment expanded margins and thankfully made more money.
The explosion in unallocated expenses must be all the new risk, governance and audit function they had created, as well as the lawyers picnic the company is now catering for.
To be fair though, ideally we don't want to be on the recieving end of something like what happened to Latitude, and getting sued by two seperate regulators is a wake up call.
As we can see, the end result is the company moving up the risk curve and not bothering as much with marginal consumers. This has unintended consequences for those consumers in the long run, but oh well.
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