From the presentation they are running down the SACC loan book...

From the presentation they are running down the SACC loan book but increasing both the long term unsecured & auto secured lending.
Broker loans are increasing but there's no mention of branch loans either way.
Does anyone remember what sort of proportion of revenue in the Branches comes from SACC & how much from long term unsecured / auto?

A 2016 presentation i looked at said the Broker network is the major channel for Auto loans & the Branch Network for SACC & LT unsecured.
Is it possible that they could still maintain the majority of the Branch Network profitably with just lending to LT secured & Auto?
If so that would be a big ? removed from current result.

$36m NPAT would be a 12.5% increase yoy but with the conversion of the options EPS would be down around 1%.
All in all i think that is a solid result & i expect them to at least hit that top end result with them expecting market share to rise to 3% this year.