Top end of guidance seems quite conservative.
97m FY22, less 45.7m = 51.3m H2 forecast.
Even if the PDL segments simply maintain H1 NPAT levels (US should grow), the jump up in H2 lending NPAT forecast at 12m already achieves the 97m. Unless Aus/NZ pdl segment softens a lot, and it was stated RR purchase mitigates lack of Aus supply in the meantime, its hard not to see that 97m being exceeded easily.
Top end of guidance seems quite conservative. 97m FY22, less...
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