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      "text": "Grow balances from $32bn to c.$40bn by 2026; Increase retail as % of portfolio from c.15% to c.20% by 2026; Rebalance FICO mix to optimise risk-adjusted returns; Adapt pricing to accommodate industry-wide late fee legislation; Increase core deposits from c.60% of funding today to above 75% by 2026; Maintain 100% branchless model",
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