Search: credit risk/exposure
RBA Glossary definition for credit risk/exposure
credit risk/exposure – The risk that a counterparty will not settle an obligation for full value, either when due or thereafter. In 'exchange-for-value' systems, the risk is generally defined to include replacement risk (the risk of having to replace a contract at a potentially unfavourable price) and principal risk.
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22/09/2020 The Australian Economy and Monetary Policy | Speeches ...
22 Sep 2020
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217KB
Thisamounts to an additional 2 per cent of credit, and is available to be drawn until June 2021. ... This incentivises investors to switch into other assets, including potentially foreignassets, to get that duration exposure.
https://www.rba.gov.au/speeches/2020/pdf/sp-dg-2020-09-22.pdf
Financial Stability in Uncertain Times
24 Nov 2020
Speech
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1105KB
The main way this will happen is through credit losses – both through business and household loans. ... While banks do not have a large direct exposure to commercial property, impairment rates are likely to rise.
https://www.rba.gov.au/speeches/2020/pdf/sp-ag-2020-10-27.pdf
Changes in Banking: Looking Back and Looking Forward
17 Dec 2019
Speech
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242KB
they have expertise in credit and liquidity risk management, having a long historyand ongoing relationships that generate private information about customers. ... This coulderode, or maybe even eradicate, banks' historical advantage in credit risk
https://www.rba.gov.au/speeches/2019/pdf/sp-so-2019-12-16.pdf
08/08/2019 Financial Stability Through the Lens of Business | ...
7 Aug 2019
Speech
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1048KB
The higher this is, themore at risk firms are if interest rates rise or profits fall. ... Because they account for the majority of borrowing, largebusinesses pose a greater risk to financial stability.
https://www.rba.gov.au/speeches/2019/pdf/sp-ag-2019-08-08.pdf
10/09/2018 The Evolution of Household Sector Risks | Speeches ...
10 Sep 2018
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276KB
Australian banks have substantially increased their exposure to housing over this periodand housing credit now accounts for over 60 per cent of banks' loans. ... So the Australian bankingsystem is potentially very exposed to a decline in credit quality
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-09-10.pdf
30/06/2020 The Reserve Bank's Policy Actions and Balance Sheet ...
30 Jun 2020
Speech
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349KB
rba4-local.rba.gov.au/speeches/2020/sp-dg-2020-06-30.html 4/18. credit risk involved mean that they are generally willing to do so only if they can ... these important pricingbenchmarks anchor a low risk-free yield curve in the Australian financial system
https://www.rba.gov.au/speeches/2020/pdf/sp-dg-2020-06-30.pdf
18/11/2019 Mortgage Arrears | Speeches https://www.rba.gov.au/speeches/2019/sp-dg-2019-11-15.html 1/6 ...
18 Nov 2019
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236KB
Non-performing loans currentlypose little risk to the health of financial institutions. ... When credit growth is higher, the share of new loans also tends to be higher, sothe arrears rate tends to be lower.
https://www.rba.gov.au/speeches/2019/pdf/sp-dg-2019-11-15.pdf
Competition and Regulation in the Card Payments Market
18 Mar 2010
Speech
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39KB
Card Payments Market
https://www.rba.gov.au/speeches/2010/pdf/sp-ag-150310.pdf
The Year Ahead
7 Feb 2019
Speech
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339KB
So, too, have concernsthat very low credit spreads could lead to an excessive build-up of risk. ... TheCommission's recommendations that bear on credit provision are balanced and sensible, and shouldremove some uncertainty.
https://www.rba.gov.au/speeches/2019/pdf/sp-gov-2019-02-06.pdf
The Housing Market and Financial Stability
23 Sep 2021
Speech
PDF
322KB
they were 100% certain itwould be repaid there would be too little credit. ... 100. 150. %. 0. 50. 100. 150. %Household Credit-to-income Ratio. Household creditHousehold credit.
https://www.rba.gov.au/speeches/2021/pdf/sp-ag-2021-09-22.pdf