I will wait for full year to get the whole impact of NPL's. Credit impairment charges at half year is way lower compared to last HY and about a third of full year. So my guess is that that number should hit almost 1B at full year. Perhaps keeping it low at half year is one way to help the market absorb the dissapointment in batches! All in all it appears a profit warning will be made before full year.
Time is money, so money is time. Money saved is time gained in reverse! Money stores your life’s energy. You expend your energy, get paid money, and store that money for a future purchase made in a currency.