Credit quality improved marginally overall, though the trend was adverse in St George's home loan book.
Home loans more than 90 days overdue kicked up to $75 million at March from $63 million in September. Total non accrual loans, including business and other consumer lending, fell to $63 million from $78 million.
He charge to the P&L for bad debts fell to $48 million from $53 million.
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