just going by the trend line.
I'm Themis environment, quarter by quarter we should see deteriorating loss rates... look at major banks, other credit providers. it's going to get worse before it's gets better...credit lending in this environment will and has been hit....and because zip have not managed to lower their loss rates (partly because their loss rates are within their appetite) we should see another increase next quarter (on the back of deteriorating economic environment)
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