As per note 17 of the Consolidated Financial Statements, the bank loan balance as at 30 June 2018 was $95.3 million (2017: $25.5 million).We focused on this area because:– The Group has significant borrowings with banks, which have been used to fund acquisitions and the Group’s working capital requirements.– As at 30 June 2018, the Group had a bank loan of $95.3M representing approximately 46% of total liabilities; and– There is a risk that if the loan covenants are not complied with, the Group would be required to repay the balance on demand thus creating a going concern risk.