Earnings 

EPS just prior to covid: 

March 19 to march 20 increased from 7.1 to 8.2

however the sept interims:

2019: 3.4 down to 2020: 1.2

the normally impressive ROE has taken a hit, too - but even so, they are still making profits. looking forward to the recovery

retained profits:

Sep 19 $40.2m

Mar 20 $46.5m

Sep 20 $43.6m

Im not sure why they increased their reserves at the same time. Net result is a modest increase in Book Value which I think is a good outcome over this difficult period.