the future, page-75

Yes, we definitely want the WZR loan book to continue at high growth percentages / increase in $$ for as long as possible - obviously provided they are taking on quality borrowers!!

It would be awesome if these high growth loan book %'s / increase in $$ continued for many many years

However, at some point the loan book growth rate will slow - and it is at that point where WZR have to book less "expected provisions" (less provisions when expressed as a % of their revenue).

At the moment, their revenues are not massive - so these "future provisions" (that are linked to their loan book growth) are having quite a large impact on their current profitability.