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RBA Glossary definition for systemic risks
systemic risks – Events which may jeopardise financial system stability and cause harm to the real economy. For example, the Y2K problem was regarded as such a risk. They may include the risk that the failure of one participant in a payments system, or in financial markets generally, to meet their required obligations when due, will cause other participants or financial institutions to be unable to meet their obligations (including settlement obligations in a transfer system) when due. Such a failure may cause significant liquidity or credit problems.
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Regulatory Developments
20 Oct 2018
FSR
– October 2018
In addition to assessing financial sector vulnerabilities, the IMF is focusing on the overall framework for systemic risk oversight. ... The reforms in this area aimed to reduce systemic risk and make derivatives markets safer, for example, by reducing
https://www.rba.gov.au/publications/fsr/2018/oct/regulatory-developments.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
Box A: International Banks' Response to Climate Risk
8 Apr 2022
FSR
– April 2022
The 31 largest banks across major advanced economies have added climate-related risks to their risk management frameworks. ... See Kearns J (2021), ‘Evolving Bank and Systemic Risk’, Speech at the 34th Australasian Finance and Banking Conference,
https://www.rba.gov.au/publications/fsr/2022/apr/box-a-international-banks-response-to-climate-risk.html
The Australian Financial System
8 Apr 2021
FSR
– April 2021
The non-zero countercyclical capital buffer will provide APRA with greater capacity to reduce capital requirements in response to changes in systemic risks. ... locations that are more affected by climate risk, particularly if these risks become
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Financial Stability Assessment
22 Mar 2024
FSR
– March 2024
Financial Stability Assessment | Financial Stability Review – March 2024
https://www.rba.gov.au/publications/fsr/2024/mar/financial-stability-assessment.html
Household and Business Finances in Australia
8 Oct 2021
FSR
– October 2021
corrections. To address rising systemic risks, the Australian Prudential Regulation Authority (APRA) has announced a 50 basis point increase to the serviceability assessment rate it expects banks to use to assess ... Endnotes. For further details, see
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html
Box C: Financial Stability Risks From Climate Change
4 Oct 2019
FSR
– October 2019
liability: an inadequate response to these risks also raises the potential for reputational and legal risk. ... Even if correctly priced, more of these risks may become uninsurable, forcing households, businesses or governments to bear this risk.
https://www.rba.gov.au/publications/fsr/2019/oct/box-c-financial-stability-risks-from-climate-change.html
The Australian Financial System
8 Apr 2022
FSR
– April 2022
Another ongoing challenge for the financial system is climate change (see ‘Box A: International Banks' Response to Climate Risk’).The Australian financial system is directly affected through the physical risks to ... In addition, the Reserve Bank of
https://www.rba.gov.au/publications/fsr/2022/apr/australian-financial-system.html
Household and Business Finances
8 Apr 2022
FSR
– April 2022
Looking further ahead, medium-term systemic risks remain elevated and so it is critical that lending standards remain strong. ... As a result, the ratio of household credit to income has increased slightly from an already-high level, which contributes to
https://www.rba.gov.au/publications/fsr/2022/apr/household-business-finances.html
Mortgage Macroprudential Policies
8 Oct 2021
FSR
– October 2021
Capital measures have also been used to address systemic risks. Such measures include the countercyclical capital buffer (CCyB) (which adjusts the capital buffer banks must hold to guard against systemic risk) ... six-month ended annualised terms by
https://www.rba.gov.au/publications/fsr/2021/oct/mortgage-macroprudential-policies.html