BP have 3% profit growth next year and 2% the year after, so...

BP have 3% profit growth next year and 2% the year after, so very little growth. It is true a short term hit to growth may occur as they need to replace the unsecured lending and do not get much for selling it. In the longer term it really depends on how rapidly they can grow the car loan business, as they could always increase borrowing and more easily now as the reluctance to lend to them disappears. FSA Group for example has loans from Westpac and lends for cars.