ZIP 3.27% $2.66 zip co limited..

Ann: FY21 Appendix 4E Preliminary Final Report, page-90

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    Bad debts written off (net of a recoveries) was$74.5m, while provisions increased by $54.4m, then deduct $5m taken on acquisition gives you $123.9m in credit costs for the year (taken through the P&L)
 
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