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Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
RDP 2015-06: Credit Losses at Australian Banks: 1980–2013 2. Measuring Credit Losses. ... It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example).
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html

Descriptive Analysis

31 Dec 2015 RDP 2015-06
David Rodgers
Losses on personal lending, such as credit cards and non-housing term loans, were non-negligible, but appear to be less cyclical than losses on business lending. ... Most of the losses on lending to households during this period arose from personal
https://www.rba.gov.au/publications/rdp/2015/2015-06/des-analysis.html