Perspectives

14th may 2020: Insights from March release of APRA housing loan statistics

Interesting to note that this data has been reported immediately prior to the COVID situation where there has been a dramatic increase in home loan repayment deferrals - it may provide insight into risks facing lenders that have had substantial growth in the last 12 months.

13th may 2020: Coming out of COVID-19: Home Loan default scenarios

With an estimated 392,000 home loan repayment deferrals by Australian banks so far , the outlook for default and loss rates could be quite dramatic. Using Pillar 3 reports of major banks, it is possible to estimate the movement in default and losses across the major banks.

11th may 2020: Coming out of COVID-19: Home Loan repayment deferrals

Dealing with the recovery of around 400,000 loans with repayment deferrals will be a major challenge confronting lenders and borrowers over the next couple of years.

6th April 2020: COVID-19 Scenario analysis

Estimating the number of home loan financial hardship cases resulting from COVID-19

31st March 2020: A Lesson from australia’s GFC

As lenders try to predict the possible COVID-19 loss scenarios, it is useful to look back on previous situations to draw points of triangulation for estimating the likely outcome of the current situation

22ND MARCH 2020: COVID-19 SCENARIO ANALYSIS

A method for estimating the impact COVID-19 will have on the number of customers that will become delinquent or seek financial hardship assistance

16th MARCH 2020: Mortgage Stress Test – Probability of Default

Providing a level of objectivity for estimating probability of default based on previous economic downturns

6TH MARCH 2020: COVID-19 SCENARIO ANALYSIS

What might COVID-19 mean for Australian financial institutions