Paulof2. You are making a big assumption that credit customers will all still be able to pay, when we all know that in the current crisis the ability of all to keep up with their payments is fast disappearing.
ALM's website has announced that the annual results for the year ending 31 December 2018 will be published on 26 April 2019, and the half yearlies to 30 June 2019 will be published on 15 August 2019.