I take part in industry wide APRA stress testing. Australian banks are some of the most capitalised banks in the world and could survive a drop of 30% in house prices without too many issues. More than 30% starts getting more problematic because a large portion of the LVR profile would drift into negative equity.
If you are concerned about the banks I recommend reading up on the Australian banking capital ratios which have several buffers including:
1. Prudential capital buffer
2.Capital Conservation buffer
3.Countercyclical capital buffer
4.Unquestionably strong buffer
You'll sleep better at night.
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