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RBA Glossary definition for bill rate

bill rate – The bill rate is the effective yield to maturity earned by the holder of a bill. The yield is usually expressed as a per annum rate.

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Stress Testing Household Debt

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
Third, the ability of banks to lower lending rates with the policy rate could be compromised in this scenario if declining capital ratios result in increased funding costs stemming from greater ... This may overstate the default rate because some
https://www.rba.gov.au/publications/rdp/2020/2020-05/stress-testing-household-debt.html

How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
Lower real interest rates and financial liberalisation can account for much of the remaining increase. ... Third, the ability of banks to lower lending rates with the policy rate could be compromised in this scenario if declining capital ratios result in
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html