Loan Portfolio Managers will be concerned by the dynamic risks contained in the Loan Book. With some property values experiencing significant volatility in recent months, it is quite possible for customers to have reduced loan to value ratios, or even negative equity. It is possible to 'mark to market' the existing loan portfolio to assess the true potential risks on an ongoing basis. This enables pockets of stress to be actively managed, and underwriting policies for new and existing and new loans can be tuned accordingly.

Equally positive capital growth can be rewarded and leveraged maximising customer loyalty and profitability. With weekly (soon to be daily) electronic valuations of all residential property stock in Australia, Information can be updated in near real time as valuation data changes. This could also support dynamic advanced capital provision under the Basel II supervisory arrangements.

Loan Insurers and Custodians of Securitised Loan Portfolios have a similar requirement for advanced real-time portfolio assessments. Updated valuation data can provide critical insights to the health of the portfolio, and enable stress testing to be completed as frequently as required. As a result Insurers and Custodians will have a more robust appreciation of the current value of the book, and will be able to take remedial action as required.