Search: lending and credit aggregates
RBA Glossary definition for lending and credit aggregates
lending and credit aggregates – Reserve Bank of Australia measures of lending and credit made available to the private non-finance sector (including public trading enterprises) or, the government sector by those financial intermediaries whose liabilities are included in broad money. Broad money is defined as currency plus bank current deposits of the private non-bank sector, plus all other bank deposits of the private non-bank sector plus borrowings from the private sector by non-bank financial intermediaries (NBFIs), less the latter's holdings of currency and bank deposits.
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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
Submission to the Senate Inquiry into Matters. Relating to Credit Card Interest Rates. ... Sources: ABS; APRA; RBA. Credit risk to banks. There is relatively limited information available on the risk of credit card lending.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Box B: Interest-only Mortgage Lending
21 Apr 2017
FSR
– April 2017
Financial Stability Review – April 2017 Box B: Interest-only Mortgage Lending. Interest-only (IO) loans account for a sizeable and growing share of total housing credit in Australia, now representing around ... This is potentially in breach of the.
https://www.rba.gov.au/publications/fsr/2017/apr/box-b.html
Household and Business Finances
20 Oct 2018
FSR
– October 2018
borrowers. Risks in housing markets are evolving as the sector absorbs the impact of tighter lending standards alongside weaker demand, which has been reflected in slower credit growth. ... Overall these changes should improve the resilience of borrowers
https://www.rba.gov.au/publications/fsr/2018/oct/household-business-finances.html
Household and Business Finances in Australia
8 Oct 2021
FSR
– October 2021
Lending standards remain sound overall, and the quality of outstanding credit is high. ... While aggregate lending standards tightened slightly in the early stages of the pandemic, this had mostly been reversed prior to the most recent lockdowns so that
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html
Household and Business Finances in Australia
8 Apr 2021
FSR
– April 2021
lending to first home buyers has been an especially risky form of lending. ... Credit growth has increased but remains modest and has mostly been driven by lending to owner-occupiers (Graph 2.11).
https://www.rba.gov.au/publications/fsr/2021/apr/household-business-finances.html
The Australian Financial System
8 Apr 2021
FSR
– April 2021
Liaison indicates that credit quality at non-bank lenders has remained sound, both for lending to households and to businesses. ... Endnotes. See Garner M and A Suthakar (2021), ‘Developments in Banks' Funding Costs and Lending Rates’, RBA.
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
8 May 2024
Submissions
There is relatively limited information available on the risk of credit card lending. ... issuers making much higher rates of return on their credit card lending than on other lines of business.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Financial Stability Review - March 2010
25 Mar 2010
FSR
- March 2010
PDF
822KB
https://www.rba.gov.au/publications/fsr/2010/mar/pdf/0310.pdf
Household and Business Finances in Australia
7 Oct 2022
FSR
– October 2022
Graph 2.7. Variable-rate mortgages account for around 65 per cent of outstanding housing credit. ... See RBA (2022), Box B: How Risky is High-DTI and High-LVR Lending?,.
https://www.rba.gov.au/publications/fsr/2022/oct/household-business-finances-in-australia.html
Overview
7 Oct 2022
FSR
– October 2022
Credit remains readily available to households and firms, but growth in housing credit is slowing alongside higher interest rates. ... Non-bank lending has been very strong and it is important that lending standards remain prudent.
https://www.rba.gov.au/publications/fsr/2022/oct/overview.html