From FY19,
• FY19 saw a slight increase in the impairment/average net
receivables (ANR) number from 3.8% to 3.9%. Underlying
(excluding large write off in H1) is 3.0%
From the update FY20 Unaudited net losses / average net receivables across all products of 4.1%, FY19 was 4.2%. However I think FY21, impairment/average net receivables (ANR) number would shoot up and net losses / average net receivables would be a high single number( if not double digits) because Covid19 second wave is occurring now and would take a few months delaying for peak defaults.
Ann: FXL - Full Year 2020 Trading Update, page-146
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