Why Shayne Elliott says it's time to tweak responsible lending rules

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When the biannual bank earnings season starts this week, the focus will be firmly on whether the nation's overvalued lenders can deliver on net interest margins, bad debts and cost containment.

You will hear plenty of different voices, from chief executives spinning their numbers, to sceptical analysts asking tough questions, and investors trying to work out what weight the banks should have in their portfolios.