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Welcome to interest.co.nz's morning briefing of what's news here and around the world. Everything you need to start the day in 90 seconds at 9'oclock.... Starting nowFirstly, with news that ANZ National has reported strong profit growth and is growing its market share. But it is also starting to see what it calls a modest increase in borrowers who haven't paid their bills for more than 90 days.ANZ National's so called past due assets rose to NZ$154 million by the end of December from NZ$94 million a year ago and NZ$102 million. So that's a 50% increase in past due assets in 3 months. The pressure of higher interest rates and tight disposable income is beginning to have an effect.BNZ's past due assets more than doubled to NZ$81 million last year. But you've got to remember that ANZ National's past due assets equal 0.14% of assets, while BNZ's also equals 0.14% of assets. There's a long way to go before it's a problem for the banks.Elsewhere, Australia's Allco Finance announced a massive asset sale to bolster its balance sheet and keep its bankers from calling in administrators. The assets up for sale include Allco HIT, the fund that owns Strategic Finance.And finally in news from overseas, credit card grouping Visa has announced plans for America's biggest ever stock market float. Visa is currently owned by a consortium of banks, who no doubt are looking for a lump of cash to bolster their own balance sheets, even though it can't be a great time to raise. Visa plans to raise up to 18.8 billion US dollars. That was 90 seconds at 9 o'clock. I'm Bernard Hickey for interest.co.nz. Tune in after midday for a look at what's happening housing affordability and the future of shared equity mortgages.