Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Box D: Non-bank Lending for Property
12 Apr 2019
FSR
– April 2019
Non-bank lenders perform similar functions to banks and lend to a wide range of borrowers. ... Banks have instead tightened lending standards since 2015, although there continues to be strong competition for the highest quality borrowers.
https://www.rba.gov.au/publications/fsr/2019/apr/box-d.html
The Australian Financial System
6 Apr 2023
FSR
– April 2023
The Australian Financial System | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/australian-financial-system.html
An Industry Perspective on the Future of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
Domestic lenders' preferences for the highest quality credits have resulted in wide margins for other borrowers who have therefore found offshore issues more attractive. ... The banks have a comparative advantage in business and risk assessment for small
https://www.rba.gov.au/publications/confs/1996/cole.html
Overview
6 Apr 2023
FSR
– April 2023
Overview | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/overview.html
Overview
7 Oct 2022
FSR
– October 2022
This reduces financial stability risks in instances where borrowers encounter debt-servicing difficulties. ... A small group of borrowers in Australia are particularly vulnerable to repayment difficulties due to rising interest rates and cost-of-living
https://www.rba.gov.au/publications/fsr/2022/oct/overview.html
SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015
19 Mar 2015
Conferences
In other words: does relationship lending work? Does it produce benefits to the borrower? ... These proxies include relationship length, bank-borrower distance, exclusivity and cross-product information synergies.
https://www.rba.gov.au/publications/confs/2015/udell.html
The Global Financial Environment
6 Apr 2023
FSR
– April 2023
The Global Financial Environment | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/global-financial-environment.html
Box C: Risks in High-density Apartment Markets
12 Apr 2019
FSR
– April 2019
Most borrowers do not borrow the maximum loan amount available, and so most borrowers would not be constrained by a change in lending criteria.
https://www.rba.gov.au/publications/fsr/2019/apr/box-c.html
The Global Financial Environment
8 Oct 2021
FSR
– October 2021
In Canada, authorities tightened serviceability assessments in June, by increasing the interest rate floor at which new borrowers are assessed. ... This followed an increase in high loan-to-income (LTI) borrowing, including from some borrowers with high
https://www.rba.gov.au/publications/fsr/2021/oct/global-financial-environment.html
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
Lower interest rates reduce loan-loss provisions, as they reduce borrowers' debt servicing costs and default probabilities. ... All this saps banks' intermediation capacity because rolled-over bad loans crowd out new lending for more productive borrowers.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html