Ann: Shaw and Partners Emerging Leaders Presentation, page-21

I was thinking less about provisioning, but I would be interested to know what sort of model they are running and more information on it's robustness. Rather if the non-automotive loan book materially contracted then the profit of MNY would likley look considerably different (almost 50% of top line...). Any factor that would put downward pressure on that component of the portfolio represents a large risk I should think.