Mate you are confusing Zip HY bad debts is bad debts written off whereas the year end figure is bad debts written off plus expected provisions even on good debts…this is what a bank does.
That is not correct. Credit costs of $29.5m in 1H21 were made up of net bad debts written off plus change in provision for expected credit losses (refer to Note 11 of the half yearly financial report) . This is identical to the treatment for the full year.
In response to @gops
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- Ann: FY21 Appendix 4E Preliminary Final Report
Ann: FY21 Appendix 4E Preliminary Final Report, page-84
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