Ann: Full Year Results Announcement-MNY.AX, page-5

It is interesting that their bad debt costs were up quite a bit - maybe an SACC washout? Also they closed some branches. Might be related?

Does anybody know if they rely on their branches for the auto or online lending (for admin functions of some sort - such as ID)?

They might be able to gradually close their branches and focus on the broker auto and on-line? That would surely be a good thing for the availability of funds.