Thanks for sharing, this would mean the loan book has a higher...

Thanks for sharing, this would mean the loan book has a higher value than previously thought, I would expect that to keep improving based on reductions in BNPL and concentrating on things like solar systems, dental, holidays, equipment finance, etc.
As BNPL has been getting wound down since pre-BNPL Armageddon any negatives from this sector should be more than priced in, they moved before all others in the space, not to mention they weren't as exposed from the beginning.
My expectations is that BNPL in general still has some pretty dark times ahead, perhaps a year or two from now HUM could pick up a ZIP or similar at cents on the dollar, BNPL definitely has a future but regulation headwinds and bad debts have both got to pass through over the next 1-2 years.