Financial Stability Snapshot 13 April 2018


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Global Economic outlook

  • Low global interest rates
  • Improving global economy

Economy balance

Low global interest rates ,

High asset prices and Low volatility pose Risks

China Debt

high but stabilising

266% Non-financial debt to GDP

Household debt

high as a share of income


Housing credit growth

  • Investor falling to 2%
  • Owner-occupier steady at 8%

Riskier lending moderating

Share of total home loans:

  • >90% loan to valuation 7%
  • Interest-only 16%

Commercial property

  • Prices up
  • Yields low

Non-performing loans

rising but low


Banks well capitalised

  • CET1 10.6%