Ten things to keep an eye out for when the annual report is...

Ten things to keep an eye out for when the annual report is released in the coming days.

1. Debt agreements – did FSA regain some market share in the second half – hoping to see 42% plus market share.
2. What happened to the $10M cash from the sale of the 180 Group? Let’s hope a special dividend is announced.
3. How big was the capital gain from the sale of the 180 Group business?
4. The home loan pool size was $246M at December 2015, hoping to see it around $257M plus as at June.
5. Hopefully the home loan 30 day default rate is steady at 2.67%. A decrease would be good.
6. The car loan pool was at $10.9M at the half way mark, so $17M plus may be achievable at the close.
7. It will be fascinating to see the 30 day default rate for the car loan pool. Surely it still can’t be at zero?
8. How many Easy Bill Pay customers as at 30 June? I am thinking 2,400.
9. Have they increased their lending facilities with Westpac? Will need to increase to grow loan pools in the future.
10. Did they beat last year’s profit result of $14.7? With a capital gain, they are going to be close. Why no profit guidance?