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RBA Glossary definition for lender

lender – A person or institution which provides loans on agreed terms to borrowers.

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Lending Behaviour

31 Dec 2013 RDP 2013-15
Chris Stewart, Benn Robertson and Alexandra Heath
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html

Introduction

31 Dec 2013 RDP 2013-15
Chris Stewart, Benn Robertson and Alexandra Heath
This reflected the stability of risk margins and lenders' funding costs relative to the cash rate. ... Despite this, the actual rate paid by borrowers continued to decline throughout this period, reflecting the increasing prevalence of discounts offered
https://www.rba.gov.au/publications/rdp/2013/2013-15/introduction.html

Funding Behaviour

31 Dec 2013 RDP 2013-15
Chris Stewart, Benn Robertson and Alexandra Heath
This allowed some smaller, non-deposit-taking lenders to compete despite having neither balance sheets nor capital bases from which to fund their lending in the traditional sense. ... The use of RMBS funding allowed the market share of these wholesale
https://www.rba.gov.au/publications/rdp/2013/2013-15/funding-behaviour.html