I would disagree as the figures don't lie and many of the key...

I would disagree as the figures don't lie and many of the key metrics are getting worse.

Current Figures from Financial Statements

					6 months
					30 th June
					2021
					000's
TTV					3,396,000
Operating Income					242,903
Bank Fees and Data Costs					45,679
Net Operating Income					197,224
Bank Fees as Percentage of Op Income					18.81
Bad Debts and Expected Credit Losses					94,359
Bad Debts and CL as percentage of Net Income					47.84
Interest Expense					33,153
Interest Expense as Percentage of Net Income					16.81
AdministrationExpenses					13,777
Administration Expenses as % of Net Income					6.99
IT Expenses					14,299
It Expenses as % of Net Income					7.25
Marketing Expenses					44,793
Marketing Expenses as % of Net Income					22.71
Corporate Financing Costs					8,104
Corporate Finance Expenses as % of Net Income					4.11
Occupancy Expenses					1,231
OccupancyExpenses as % of Net Income					0.62
Salaries and Employee Benefits					58,965
Salaries and Emloyee Benefits as % of Net Income					29.90
Share based Payments					68,487
Share Based Payments as % of Net Income					34.73
Acquisition of Business Costs					2,101
Acquisition of Business Costs as % of Net Income					1.07
Total Expenses as Percentage of Net Income					173.09