Staying cautious until interest rates/inflation/recession issues become less murky. They have been through a few recessions so know how it can play out. The people they lend to are probably more vulnerable to these issues, so they need to allow for this. Also need to allow for possibility of securitisation getting more difficult. Then if retail gets hit, that affects them as well. Sometime next year when it all settles down, they might look at capital management.
Share price should get a bump after the half year results come out, if they are good - should be, but you need to see them.
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