IMB has taken four retail mortgage back securitisation issues to market, and when considering a fifth, chief executive Wayne Morris said, "Definitely. There is no doubt about it."The building society has securitised 48 per cent of current outstanding residential mortgages, and will conduct a domestic and international road show, anticipated by Morris as being within the next twelve months subject to market conditions and appetite.In addition to RMBS, IMB has been very innovative in launching a commercial mortgage backed securitisation in financial year 2004/2005, with a second $250 million offering in 2006/2007."Another CMBS is definitely in our plans," said Morris."We have a lot of self employed members and subject to the volumes we are writing, and depending where the market is at the time, decisions can be made as to what levels of commercial loans we should keep on the balance sheet".The average commercial loan value for the building society is around $450,000.