I said it declined including AND excluding one of items (provisions etc). Excluding one of items it's only slightly lower but its curious that its going the wrong way and I'm not sure why that's the case. Any ideas?
Also what's your take on the increase in bad debt? It may be priced in, I suppose we'll know tomorrow but increase in bad debts is material since BNPL is a thin margin business.
Ann: Annual Report to Shareholders, page-21
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