My understanding of RHG is that its returns will be falling away...

My understanding of RHG is that its returns will be falling away each year as the mortgage book is run down.

I'm wondering if RHG is planning on any form of enterprise other than seeing out its current mortgage book, or whether we can just expect the share price to eventually drop towards zero as the returns dry up. It seems to me that RHG could be a potential cash cow for a few years (if the directors ever agree to a div) but that the longer you hold, the lower you're going to see the EPS drop.

Is this right? Can anyone shed some light on this for me?

Cheers