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
20 Oct 2018
FSR
– October 2018
crisis. In the past, rapid expansion by foreign banks has amplified the credit supply cycle and prompted domestic banks to loosen lending criteria to retain market share. ... That said, non-ADI lending still accounts for less than 5 per cent of
https://www.rba.gov.au/publications/fsr/2018/oct/aus-fin-sys.html
Overview
4 Oct 2019
FSR
– October 2019
Estimates of term premiums, and credit and liquidity risk premiums, are low and some have declined further. ... Lending always entails a degree of risk but excessive risk aversion by financial institutions can curtail the provision of credit that
https://www.rba.gov.au/publications/fsr/2019/oct/overview.html
The Global Financial Environment
9 Oct 2020
FSR
– October 2020
Alongside substantial policy support, this has enabled banks to continue lending, which supports the real economy, even as expected credit losses and uncertainty have risen with the pandemic. ... Uncertainty around the outlook for credit quality may
https://www.rba.gov.au/publications/fsr/2020/oct/global-financial-environment.html
The Australian Financial System
8 Oct 2021
FSR
– October 2021
Banks increased provisions for credit impairments early in the pandemic in expectation of future losses. ... Over recent months, non-bank lending to households has picked up significantly alongside strong demand for housing credit; however, the stock of
https://www.rba.gov.au/publications/fsr/2021/oct/australian-financial-system.html
The Global Financial Environment
10 Mar 2013
FSR
– March 2013
Aggregate euro area credit contracted slightly over the year to January, as modest (and declining) growth in household credit was more than offset by a fall in business credit. ... Given conservative mortgage lending standards and low household
https://www.rba.gov.au/publications/fsr/2013/mar/global-fin-env.html
Box A: Recent Growth of Small and Medium-sized Chinese Banks
20 Oct 2016
FSR
– October 2016
The aggregate reported Common Equity Tier 1 (CET1) capital ratios of small and medium-sized banks meet international requirements. ... In addition, regulators have proposed rules to limit retail investors' indirect exposure to shadow credit products.
https://www.rba.gov.au/publications/fsr/2016/oct/box-a.html
Household and Business Finances
21 Apr 2017
FSR
– April 2017
APRA also reinforced the importance of: banks managing their lending so as to comfortably meet the existing investor credit growth benchmark of 10 per cent; loan serviceability assessments being appropriate to ... Prudent mortgage lending standards help
https://www.rba.gov.au/publications/fsr/2017/apr/household-business-finances.html
Financial Intermediaries
10 Sep 2005
FSR
– September 2005
While this type of lending accounts for only 10 per cent of aggregate bank credit outstanding, personal loans, which are often unsecured, tend to have considerably higher arrears and default rates ... In part, this reflects the historically low level of
https://www.rba.gov.au/publications/fsr/2005/sep/fin-intermed.html
The Australian Financial System
20 Oct 2015
FSR
– October 2015
Ongoing revisions to banks' investor and owner-occupier lending data are adding volatility to these credit aggregates. ... Business lending conditions have continued to ease in an environment of subdued demand for such credit.
https://www.rba.gov.au/publications/fsr/2015/oct/aus-fin-sys.html
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