I can tell you for a fact that APRA determines our lending requirements and not us. In my division we are constantly in communication with them and have no influence on policy. If they feel our book is too heavy against foreign investors or another industry or asset class, they advise us we have to curb or cut our lending. This is fact.
Ann: 10 mths to 30-4-2017 agg sales by hn, dm & jm franchisees, page-118
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