ViewsAngus Gilfillan, executive general manager for consumer lending at National Australia Bank (NAB) is being questioned on exceptions his bank would make for customers who did not meet requisite hurdles for credit, and the use of the household expenditure measure, or HEM benchmark, which has been criticised for underestimating the expenses of individuals and therefore providing an inadequate idea of mortgage serviceability. Recorded on 13 and 14 March 2018 at the Owen Dixon Commonwealth Law Courts Building in Melbourne.
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