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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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Semi-Annual Statement on Monetary Policy

10 Nov 1998 Bulletin – November 1998
even to large numbers of credit-worthy borrowers, driven by lenders' desire to protect their own balance sheets. ... This process constrains borrowers, and dampens economic activity, which in turn risks a further worsening of banks' loan books.
https://www.rba.gov.au/publications/bulletin/1998/nov/1.html

Assessing Physical Climate Risk in Repo-eligible Residential Mortgage-backed Securities

18 Apr 2024 Bulletin – April 2024
Ronan McCarthy and Geordie Reid
This article assesses physical climate risk in Australian residential mortgage-backed securities (RMBS) using two risk metrics.
https://www.rba.gov.au/publications/bulletin/2024/apr/assessing-physical-climate-risk-in-repo-eligible-residential-mortgage-backed-securities.html

Fiscal, Monetary and Macroprudential Regimes: Incentives-Values Compatibility in Constitutional Democracies

28 Dec 2022 Conferences PDF 375KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-tucker.pdf

March | 2022

17 Mar 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2022/mar/

Discussion of The Evolution of Risk and Risk Management – A Prudential Regulator's Perspective

20 Nov 2007 Conferences PDF 82KB
RBA Conference Volume 2007
https://www.rba.gov.au/publications/confs/2007/pdf/laker-disc.pdf

The Transmission of Monetary Policy: How Does It Work?

15 Sep 2017 Bulletin – September 2017
Tim Atkin and Gianni La Cava
The transmission of monetary policy refers to how changes to the cash rate affect economic activity and inflation. This article outlines the stages of transmission and the channels through which it occurs. The effects of monetary policy are hard to
https://www.rba.gov.au/publications/bulletin/2017/sep/1.html

Macroprudential Policy Frameworks and Tools

15 Dec 2016 Bulletin – December 2016
David Orsmond and Fiona Price
Over the past decade, policymakers have increasingly used macroprudential tools to address a range of financial stability concerns. International institutions have identified and offered guidance on the components of an effective macroprudential
https://www.rba.gov.au/publications/bulletin/2016/dec/8.html

The Cash Market

15 Dec 2016 Bulletin – December 2016
Al Hing, Gerard Kelly and David Olivan
The cash market is the market for unsecured, overnight loans between banks. The weighted average of interest rates on these loans is the cash rate, the Reserve Bank's operational target for monetary policy and an important financial benchmark. Over
https://www.rba.gov.au/publications/bulletin/2016/dec/4.html

Commercial Property and Financial Stability – An International Perspective

10 Jun 2010 Bulletin – June 2010
Luci Ellis and Chris Naughtin
And within the CRE lending market, the entering lenders are more likely to end up with the more marginal, less-established borrowers. ... In a downturn, distressed sales add to the difficulties for borrowers that are still performing.
https://www.rba.gov.au/publications/bulletin/2010/jun/4.html

Bulletin Articles – 2002

9 Mar 2023 Bulletin
The Reserve Bank Bulletin is a monthly publication that contains economic commentary, feature articles, speeches and a set of statistical tables
https://www.rba.gov.au/publications/bulletin/2002/