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RBA Glossary definition for card issuer
card issuer – An institution that provides its customers with debit or credit cards.
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Credit Quality in the Australian Non-Government Bond Market
10 Mar 2004
FSR
– March 2004
Issuers pay an up-front premium equivalent to between 20 and 60 basis points per annum for the credit wrap. ... both the composition of bond issuers and a benign economic environment in Australia.
https://www.rba.gov.au/publications/fsr/2004/mar/credit-quality-aus-non-gov-bond-mkt.html
Financial Intermediaries
10 Mar 2007
FSR
– March 2007
Strong competition is also evident in the personal lending market, especially in credit cards. ... Most issuers, including the five largest banks, now offer low-rate cards with interest rates in the range of 9 to 14 per cent, compared with 17 per cent
https://www.rba.gov.au/publications/fsr/2007/mar/fin-intermed.html
The Global Financial Environment
10 Mar 2012
FSR
– March 2012
Term funding markets were also disrupted. Euro area bank bond yields rose sharply in the second half of 2011, particularly for lower-rated issuers (Graph 1.6). ... incentives for households to repay principal on their mortgages and use debit cards
https://www.rba.gov.au/publications/fsr/2012/mar/global-fin-env.html
Household and Business Balance Sheets
10 Mar 2012
FSR
– March 2012
Households' use of credit cards has also been quite subdued over the past year, with aggregate balances increasing only slightly. ... However, they did not widen to the same extent as for US and European issuers and they remain well below the peaks in
https://www.rba.gov.au/publications/fsr/2012/mar/house-bus-bal-sheet.html
The Macroeconomic and Financial Environment
10 Sep 2006
FSR
– September 2006
years. In part, this is explained by the wider availability of low-interest-rate cards, which make it considerably less expensive for individuals to carry credit card debt. ... Recently, growth in credit card balances, particularly those accruing
https://www.rba.gov.au/publications/fsr/2006/sep/mac-fin-env.html
The Australian Financial System
10 Sep 2014
FSR
– September 2014
Primary market issuance spreads on senior RMBS tranches have tightened further this year for both bank and non-bank issuers, and issuance volumes have increased (Graph 2.11). ... As discussed, RMBS issuance has picked up since 2013 and spreads have
https://www.rba.gov.au/publications/fsr/2014/sep/aus-fin-sys.html
The Australian Financial System
10 Mar 2015
FSR
– March 2015
Consistent with the buoyant housing market, issuance of residential mortgage-backed securities (RMBS) has picked up over the past year and spreads have narrowed, including for non-bank issuers such as ... payments, such as cheques, direct entry and
https://www.rba.gov.au/publications/fsr/2015/mar/aus-fin-sys.html
The Australian Financial System
20 Oct 2015
FSR
– October 2015
In contrast, at around 2–3 per cent over recent years, write-offs on credit card debt and other personal lending have been higher, consistent with some portion of this lending ... Although credit card and personal lending is riskier, it represents only
https://www.rba.gov.au/publications/fsr/2015/oct/aus-fin-sys.html
The Australian Financial System
10 Mar 2013
FSR
– March 2013
This follows the collapse of a Victorian retail debenture issuer and property lender Banksia Securities Limited (BSL) in late 2012. ... Low-value payments, such as direct entry, consumer electronic (card-based) payments and cheque transactions, are
https://www.rba.gov.au/publications/fsr/2013/mar/aus-fin-sys.html
Developments in the Financial System Architecture
10 Mar 2015
FSR
– March 2015
On retail payment systems, the Report addresses issues related to card interchange fees and surcharging – many of which the Bank raised in its submissions to the Inquiry. ... market value of those securities (due, for example, to issuer credit and
https://www.rba.gov.au/publications/fsr/2015/mar/dev-fin-sys-arch.html