I see no problems with the core business at all - on the contrary. However, I think the business is still riding buoyant macro conditions. I think we shouldn't lose sight of that.
Don't get me wrong, that's not a criticism of the business. And to be fair, any sub 15% ROE will likely be temporary (even if it lasts 6 years).
Ann: FY 2018 Half Year Announcement, page-10
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