Hi, These points are from the 2016 Annual Report. 1) Has Zip...

Hi,

These points are from the 2016 Annual Report.

1) Has Zip been able to turn around this steadily declining repayment rate? I haven't been able to find an updated version of this chart in subsequent reporting but this steady decline in repayments seems problematic for a loans business.



2) I think the following is some rather manipulative reporting. Showing positive results as percentage change and then the bad debt is shown as value change. An increase from 0.5% to 1.1% is a 120% increase as a percentage. Why are all the other rows in this table a percentage change, yet a red flag like a 120% increase in bad debts is strangely the only row where the value change has been presented to the reader?