The treasury team is busy with the Zip master trust launch with Aussie insto investors.Net bad debt or net charge offs is the debt that is actually 'written' off or gone off bad after 180 days. Considering this was over the peak COVID period
2. Net charge-offs defined as those accounts greater that 180 days delinquent after recoveries. Net charge-off rate expressed as a percentage of ending gross receivables on annualised basis.
Ann: Quarterly Update, page-106
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