Ann: H1 FY17 Money3 Results - Investor Presentation, page-3

Yes no complaints here , positive intangibles not shown in fundamentals are the lower bad debts and improved corporate image , looking more like a bank than a loan shark , Like the previous MD I actually thought they were better with the higher risk supposedly higher return payday loans , but they have proved that they can get the return on equity without that and its perceived stigma by the public and potential Govt interference .