I like larry....he has the smarts and drive...if he wasn't there then I'd probably be less optimistic.
not rocket science...they need to clean up their credit models, tighten it...but I'm thinking, notwithstanding arrears perf, that next reporting period will reveal further credit stress.
sometimes credit losses are unavoidable (people loss their job, savings are close to nil, welfare benefits clawed back) ...it doesn't matter how refined credit models are, you can't avoid the loss increase ... minimisation is key
I like larry....he has the smarts and drive...if he wasn't...
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