Search: lending and credit aggregates
RBA Glossary definition for lending and credit aggregates
lending and credit aggregates – Reserve Bank of Australia measures of lending and credit made available to the private non-finance sector (including public trading enterprises) or, the government sector by those financial intermediaries whose liabilities are included in broad money. Broad money is defined as currency plus bank current deposits of the private non-bank sector, plus all other bank deposits of the private non-bank sector plus borrowings from the private sector by non-bank financial intermediaries (NBFIs), less the latter's holdings of currency and bank deposits.
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The Australian Financial System
10 Apr 2018
FSR
– April 2018
Housing investor credit growth has remained below the 10 per cent benchmark first announced by APRA in late 2014, with the more recent restriction on IO lending and changed sentiment contributing. ... Asian banks now supply 12 per cent of total business
https://www.rba.gov.au/publications/fsr/2018/apr/australian-financial-system.html
Box A: Financial Stability Risks from Crypto-assets
7 Oct 2022
FSR
– October 2022
Reserves are subject to market, credit and liquidity risks. Highly volatile and susceptible to runs because they derive all, or almost all, of their value from investors expectations of future capital ... arrangements. In addition, regulators are working
https://www.rba.gov.au/publications/fsr/2022/oct/box-a-financial-stability-risks-from-crypto-assets.html
Household and Business Finances in Australia
9 Oct 2020
FSR
– October 2020
In aggregate, households have also been paying down balances on credit cards. ... The Government has proposed changes to responsible lending obligations to simplify the loan application process.
https://www.rba.gov.au/publications/fsr/2020/oct/household-business-finances-in-australia.html
Box C: Recent Developments in Australian Banks' Capital Position and Return on Equity
20 Oct 2016
FSR
– October 2016
One of these recommendations was that domestic capital standards be set so that Australian banks are ‘unquestionably strong’, so that banks remain resilient and continue to extend credit following an adverse ... This measure also has implications for
https://www.rba.gov.au/publications/fsr/2016/oct/box-c.html
The Australian Financial System
20 Oct 2016
FSR
– October 2016
Nonetheless, the considerable strengthening of housing lending standards over the past year or so should assist with future loan performance. ... However, banks are required to take into account the different (and potentially higher) risks posed by
https://www.rba.gov.au/publications/fsr/2016/oct/aus-fin-sys.html
Household and Business Balance Sheets
10 Mar 2010
FSR
– March 2010
The latter are made to borrowers with impaired credit histories or borrowers who do not otherwise meet traditional lenders' credit standards; they do not make up any part of ADI lending, ... Across business types, the decline in outstanding debt was
https://www.rba.gov.au/publications/fsr/2010/mar/house-bus-bal-sheet.html
The Macroeconomic Environment
10 Mar 2004
FSR
– March 2004
Reflecting these developments, the aggregate gearing ratio is relatively low by historical standards. ... overseas investors, rather than a judgement about credit quality in the Australian corporate sector.
https://www.rba.gov.au/publications/fsr/2004/mar/mac-env.html
List of tables
10 Sep 2006
FSR
– September 2006
5.3. 9.2. Sources: ABS; APM; RBA; REIA; Residex. Table 4: Personal Credit. ... c) Other market risks include commodity, equity, prepayment, volatility and credit-spread risk.
https://www.rba.gov.au/publications/fsr/2006/sep/tables.html
Box B: Risks in Retail Commercial Property
8 Apr 2021
FSR
– April 2021
Further, banks' lending standards for commercial property have improved considerably in recent years. ... While secured business lending accounts for a quarter of total credit, the share of these loans secured by retail property (rather than other assets)
https://www.rba.gov.au/publications/fsr/2021/apr/box-b-risks-in-retail-commercial-property.html
The Australian Financial System
10 Sep 2012
FSR
– September 2012
term. While there is little evidence over the past year that they have been imprudently easing lending standards in a bid to boost their credit growth, they are seeking ways to ... As discussed in the ‘Household and Business Balance Sheets’ chapter,
https://www.rba.gov.au/publications/fsr/2012/sep/aus-fin-sys.html