Bad debts are from the BNPL loaned out during the 30/09/2021 quarter or in other words 6 months ago mate.
Have a look at Sept 30/9/2021 quarter bnpl numbers they hardly did any transaction volume back then.
Bad debts do not include the loans made in the Dec 31/12/21 and 31/3/22 quarter.
Ann: March Quarterly Activities Report, page-46
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