period,core_margin 2020H1,22.6 2020H2,29.4 2020FY,27.2 2021H1,25.8 2021H2,23.5 2021FY,24.4 2022H1,15.0 2022H2,6.3 2022FY,10.8 2023H1,17.4 2023H2,19.0 2023FY,18.3 2024H1,24.8 2024H2,35.1 2024FY,31.5 2025H1,41.8 2025H2,47.8 2025FY,45.6 2026H1,41.4