Yes I know how credit losses are calculated, I worked in the team when the transition to forward looking credit losses were implemented... I don't doubt you understand AASB9, what I'm saying is I fail to understand how you are comparing FXL's provisioning to APT's (for example) and see it as a good thing when really it tells you that FXL is projecting higher credit losses than APT (not a big surprise given the different credit risk characteristics of the two products).
Why do you want me to go away? This forum finally gets some intellectual discussions.
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