rogerb, page-27

The UBS presentation is very explicit about the current loan book's credit quality and risk selection standards for new loans. If you are correct in rejecting that, there will be serious implications for directors in terms of their continuous disclosure obligations if the company is "ramping up risk" as you say.
Assuming there is full compliance with the relevant prudential standard, any deterioration in the loan book should start to become evident when we see the half year results in February.