9  1 5 2012  9  1 5 2013  9  1 5 2014  9  1 5 2015  9  1 5 2016  9  1 5 2017  Source: Gallup, Ipsos/Ninamedia, Bloomberg and NBS. 1  Over the past four years, interest rates on corporate, household and government borrowing have decreased considerably.
In the area of mortgage arrears we have been encouraging the banks to develop detailed strategies to improve their operational capacity for handling this portfolio. We’ve also pressed for a case-by-case re-underwriting of existing arrears cases involving, where possible, recovery and, when necessary, restructuring of troubled loans. We have also encouraged development of specialist strategies for buy-to-let portfolios.