Arrears/performance/credit quality. (272 items)

Moody's Investors Service says that the funding profiles and capitalisation of Australian banks improved in the six months to March 2017, but asset quality deteriorated moderately and latent risks in the household sector have increased the banks' sensitivity to external shocks. read more

Work is progressing on the addition of debt to income (DTI) limits to the toolbox of macro-prudential measures available to the Reserve Bank of New Zealand. read more

A couple of measures chosen by APRA to curtail selected forms of housing lending by banks are having their intended effect. Interest-only loans are down to 33 per cent over the March quarter from the 46 per cent share of this form of lending in mid 2015. read more

"Uuhmmm, we're not too sure that we, or some other banks we know well, will be able to easily find the most reliable data on that", a handful of banks have more or less told the banking regulator, when advised they and the sector must prepare to report in a more detailed fashion on mortgage lending metrics. read more

The total value of owner occupied housing finance commitments tracked by the ABS in March 2017, compared with February 2017, shows the total value rose by at least 0.1 per cent. read more

Demand by investors for property loans may on the wane, in the manner looked for by the banking regulator, if the proprietary research by Digital Finance Analytics has the measure of the market. DFA sees a marked slow down in growth in investor lending. read more

Arch Capital Group is the rising titan of the Australian capital market, and jostling for claims as risk decision-maker-in-chief in a hyperventilating mortgage market. Westpac and Macquarie Bank are on board and NAB may join them, with a tender underway. A US upstart of recent vintage, Arch has, in less than two years, rounded up one quarter of an insurance niche once controlled indisputably by Genworth and QBE LMI. Genworth, troubled most by Arch, is reacting to, and coping with, the demolition of its business model by the usurper. Such is Arch's impact, global reinsurers aiming for a place on Macquarie's panel found themselves shut out. read more

The quality, or lack of it, of the banking sector's loans to property developers is a further theme agitating Australia's prudential regulator, with "guidance" promised later this year.?A late 2016 review of commercial property lending "found clear evidence of an erosion of standards due to competitive pressures," Wayne Byres, chair of the Australian Prudential Regulation Authority, told a property conference in Sydney on Friday. read more

National Australia Bank expects to have pared back its interest-only lending to within APRA's 30 per cent cap by the last quarter of the year, managing director Andrew Thorburn said yesterday. read more

APRA's new macroprudential measures are not targeted at high house prices, but are about "breathing space while the underlying issues are addressed," RBA governor Philip Lowe said yesterday. read more

Mortgage delinquencies managed by insurer Genworth Australia nudged higher over the three months to March 2017 quarter and have crept up by around one quarter over the last year or so. read more