Hmm. Net bad debt was reported as 2.24% at the end of July 2020. The report snuck in this comment on the bottom of page 4: "(actual net bad debts currently running at 2.36%)".
Still net bad debt appears to be increasing while competitors like Afterpay have reported flat rates at 1%. Not sure if market will like this.
Ps: Sorry to be pointing out the negatives in the report, I tend to look for any negatives in all my holdings.
Ann: Annual Report to Shareholders, page-14
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