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RBA Glossary definition for overnight loans
overnight loans – Loans, which are recallable, repayable or renegotiable the next day, usually by 11.00 am.
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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
For example, lower interest rates alleviate debt-servicing burdens and are associated with a fall in provisions set aside to cover losses on loans. ... impact of lower rates on loan-loss provisions and other factors, including an increased focus on cost
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
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Some Tests of Competition in the Australian Housing Loan Market
1 Feb 1992
RDP
9202
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1992/9202.html
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Appendix B: Data
3 Jan 2023
RDP
2022-09
Variable. Details. Source. Cash rate. Interbank overnight cash rate, %, quarterly average. ... After the September quarter 2001, the risk-free rate is the 3-month Australian dollar overnight indexed swap (OIS) rate.
https://www.rba.gov.au/publications/rdp/2022/2022-09/appendix-b.html
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Credit Loss Modelling
20 Sep 2022
RDP
2022-03
For other domestic loan types (such as loans to financial institutions), we make some simplifying assumptions in recognition these loans comprise less than 5 per cent of total loans. ... The use of loan loss provisions is mandated in accounting standards,
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA's Macroeconometric Model
18 Jan 2022
RDP
2022-01
How this banking sector interacts with the rest of the economy chiefly depends on the extent of loan losses. ... During large downturns, loan losses reduce banks’ capital, and banks respond by reducing their credit supply.
https://www.rba.gov.au/publications/rdp/2022/2022-01.html
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Research Discussion Papers – 2016
14 Mar 2016
RDP
Gianni La Cava, Helen Hughson and Greg Kaplan. RDP 2016-11 Identifying Interbank Loans from Payments Data.
https://www.rba.gov.au/publications/rdp/2016/
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
a) Includes deposits in housing loan offset accounts and non-interest bearing deposits. ... b) Excludes deposits in housing loan offset accounts; includes non-interest bearing deposits.
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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Appendix A: Details of the VAR
29 May 2017
RDP
2017-02
Overnight cash rate: Overnight cash rate, averaged over the quarter. Nominal official cash rate until June 1998, and then the interbank overnight rate (RBA statistical table F1.1 Interest Rates and
https://www.rba.gov.au/publications/rdp/2017/2017-02/appendix-a.html
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Macroprudential Limits on Mortgage Products: The Australian Experience
26 Jul 2021
RDP
2021-07
Most policies in other countries have set quantitative requirements only on loans above specific loan-to-valuation ratios (LVRs) or loan-to-income ratios (LTIs). ... loans, usually after 5 to 10 years, which can, if the mortgage is not refinanced to
https://www.rba.gov.au/publications/rdp/2021/2021-07/full.html
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Conclusion
13 Dec 2022
RDP
2022-07
Furthermore, survey data and liaison with businesses suggest that many businesses, particularly SMEs, had little appetite for taking out new loans throughout the pandemic, reflecting ongoing uncertainty about the economic outlook ... Footnote. Examples
https://www.rba.gov.au/publications/rdp/2022/2022-07/conclusion.html
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