NAB chief Andrew Thorburn told the House of Representatives banking inquiry on Thursday that his bank had a list of 50 high-risk lending postcodes and Queensland mining regions were included.
NAB chief Andrew Thorburn told the House of Representatives banking inquiry on Thursday that his bank had a list of 50 high-risk lending postcodes and Queensland mining regions were included. Kerri-Anne Mesner

ARE YOU ON THE LIST? Check out the high-risk loan hot spots

RESIDENTS and businesses in Gladstone, Mackay and other Queensland's mining hubs may be too risky to lend to, the National Australia Bank says.

NAB chief Andrew Thorburn told the House of Representatives banking inquiry on Thursday that his bank had a list of 50 high-risk lending postcodes.

While he did not expand on the list, he said it featured "mining" towns and cities across Queensland and WA.

ARM Newsdesk believes the high-risk list is similar to one released 12 months ago.

In September, 2015, the NAB named 80 high-risk postcodes that it considered to be of significant mortgage risk and would require home buyers to have a minimum 20% deposit.

The Queensland postcodes on the 2015 list included Gladstone and Mackay. The full list is at the end of this story.

Mr Thorburn also said the bank only lent money to people it believed could sustain a mortgage with an interest rate well above 7%.

"We want to make sure that we're disciplined," he said.

The Standing Committee on Economics has been hearing evidence all week from the chief of executives from Australia's big four banks.

The inquiry is part of the Federal Government promise to increase accountability across the banking sector.

AUSTRALIA'S HIGH-RISK LENDING HOT SPOTS

NAB high-risk regions "significant deterioration in credit risk has been observed."

Queensland:

4210 Guanaba, Maudsland, Oxenford 
4211 Advancetown, Beechmont, Binna Burra 
4680 Gladstone 
4717 Blackwater 
4720 Emerald, Yamala
4740 Mackay Region 
4743 Suttor, glanden
4744 Moranbah
4745 Dystart 
4746 May Downs, Middleount 
4805 Bogie, Bowen, Gumlu

WA:

6390 Bannister, Boddington, Crossman
6429 Boorabbin, Bullabulling, Collgardie
6436 Menzies, Ularring 
6437 Leinster, Sir Samuel
6438 Leonora, Lake Darlot 
6440 Bandya, Beadell, Cosmo, Newbery
6442 Kambalda East, Kambalda West 
6642 Angelo River, Capricorn, Karalundi
6646 Wiluna, Lake Carnegie, Little Sandy Desert
6710 Cane, Onslow, Peedamulla, Talandji, Yannarie
6713 Dampier Archipelago, Dampier
6714 Atonyymyre, Balla Balla, Banynton
6716 Pannawonica, Fortescue, Hamersley Range, Millstream
6718 Roebourne, Whim Creek 
6720 Cossack, Point Samson, Wickham
6721 Indee, Mundabullangana, Pardoo
6722 Boodarie, De Grey, Finucane, Pippingarra, South Hedland 
6751 Chichester, Innawanga, Juna Downs 
6753 Newman 
6754 Paradburdoo
6758 Nullagine
6760 Marble Bar

Northern Territory:

0885 Alyangula

South Australia:

Olympic Dam, Roxby Downs, Roxby Downs Station

Tasmania:

7155 Kettering 
7467 Queenstown, Lake Margaret
7468 Strahan, Macquarie Heads 
7469 Zeehan, Trial Harbour, Renison Bell 
7470 Rosebery

NAB areas "exhibiting characteristics which may indicate future deterioration in credit risk".

New South Wales:

2000 Sydney 
2205 Arncliffe, Turrella, Wolli Creek
2113 East Ryde, Macquarie Park, North Ryde
2769 The Ponds 
2209 Beverly Hills, Narwee
2019 Banksmeadow, Botany 
2199 Yagoona
2017 Waterloo, Zetland 
2067 Chatswood, Chatswood West 
2211 Padstow, Padstow Heights 
2008 Chippendale, Darlington 
2141 Berala, Lidcombe, Rockwood
2153 Baulkham Hills, Bella Vista, Winston Hills 
2210 Lugarno, Peakhurst, Peakhurst Heights, Riverwood
2118 Carlingford 
2222 Penshurst 
2166 Cabramatta, Cabramatta West, Canley Vale/Heights, Lansvale
2767 Bungarribee, Doonside, Woodcroft
2127 Newington, Sydney Olympic Park, Wentworth Point 
2144 Auburn 
2566 Varroville, Bow Bowing, Minto, Raby, St Andrews
2140 Homebush, Homebush West 
2194 Campsie 
2037 Forest Lodge, Glebe, 
2768 Glenwood, Parklea, Stanhope Gardens
2142 Camellia, Clyde, Granville, Holroyd, Rosehill, South Granville 
2150 Harris Park, Parramatta 
2220 Hurstville, Hurstville Grove
2168 Ashcroft, Busby, Cartwright, Green Valley 
2151 North Rocks, North Parramatta 
2146 Toongabbie, Old Toongabbie
2195 Lakemba, Wiley Park 
2112 Denistone East, Putney, Ryde
2208 Kingsgrove

Victoria:

3000 Melbourne CBD 
3004 St Kilda Road Central 
3006 South Bank, South Wharf
3008 Docklands
3067 Abbotsford

South Australia:

5000 Adelaide CBD 
5001 Adelaide CBD

Western Australia:

6000 Perth CBD

Queensland:

4000 Brisbane CBD

- ARM NEWSDESK



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