Ann: AGM Presentation 2016, page-5

Points worth mentioning:

"As our loan pools grow our business will benefit from higher incremental margins due to fixed cost leverage."
Shows management's train of thought. Investing now in those fixed costs, so that operational leverage can be had at a later on

"Easy Bill Pay: Clients 2,597 up 22% on June"
Not the 500/month they're after, but still commendable. At 99c a day, that's $915k for using the platform - recurring revenue at its best, and another example of operational leverage.

"Dividends around 50% to 60% of earnings", coupled with "Dividend guidance - 6.50c to 7.50c per share", leaves us with EPS of 10.83cps to 15cps... Rough guide and probably not very useful, but nice to know.