S&U - Adjusting to prevailing conditions

S&U's FY19 results were close to expectations and changes to our prospective numbers are limited. The tightening of motor finance lending criteria and more modest receivables growth are prudent and should help protect prospective profitability at a point where there is considerable macro uncertainty. Small as yet, the property bridging business is developing well and has the potential to augment growth usefully in future.

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