Bendigo Bank High Risk?

And you know their risk profile how?

Bendigo and Adelaide Bank was “incompetent” in its dealings with an elderly couple with little English and in poor health, and had failed to investigate whether they could meet their financial obligations, the NSW Supreme Court has found.

‘In a damning judgment, judge Michael Pembroke set aside a $1.2 million, 25-year loan to Greek couple Steve and Aristea Karamihos, ruling it was “unjust” under the National Credit Code.’ – The Australian (13/3/2013)

Adelaide bank and Bendigo bank have identified as community banks for many years. They have targeted low income working class as a customer base. This base has been sourced from northern and southern suburbs of Adelaide.

The banking and the real estate sector as a whole have an interest in keeping the price of housing high.
That's why in low income areas housing prices have risen so high. They are trying to protect the banking sector in the event of recession. Housing in working class areas are set for a massive drop.
Adelaide is a Detroit waiting to happen.
The manipulated prices in the real estate sector could backfire and bankrupt some lenders.
The prices of housing is so ridiculously high a crash is inevitable, the longer it takes the worst it will be.

I also have friends who work in mortgage broking and have family who are directors of banks.
One cousin is a manager of a major bank in three states. I nearly need security clearance just to phone him.