Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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Sensitivity Analysis
13 Sep 2019
RDP
2019-09
Second, loan collateralisation reduces the risk exposure to the borrower. If the borrower defaults, the cash lender may recoup most (or all) of their investment by selling the collateral.
https://www.rba.gov.au/publications/rdp/2019/2019-09/sensitivity-analysis.html
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The Model
21 Dec 2009
RDP
2009-08
Lenders cannot do this, and so may gain only indirectly from the investment, by lending to the investors. ... In addition we assume that effective labour productivity of savers and lenders is initially equal, so that η.
https://www.rba.gov.au/publications/rdp/2009/2009-08/model.html
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Introduction
1 Dec 1990
RDP
9012
Thus only the real component of interest payments constitutes an expense by a debtor or income to a lender, yet nominal interest payments are fully deductible from taxable corporate income, and
https://www.rba.gov.au/publications/rdp/1990/9012/introduction.html
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Policy Issues
31 Dec 2006
RDP
2006-12
Even if most or all of the expansion so far has been a rational response to a new equilibrium, there is a risk that households or lenders may succumb to ... It is therefore of interest to disentangle how much of the increase in household indebtedness and
https://www.rba.gov.au/publications/rdp/2006/2006-12/policy-issues.html
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References
31 Dec 2006
RDP
2006-08
Davey M and F Earley (2001), Mortgage Equity Withdrawal, Council of Mortgage Lenders, London, available at <http://www.cml.org.uk>. ... Smith J and J Vass (2004), ‘Mortgage Equity Withdrawal and Remortgaging Activity’, Council of Mortgage Lenders
https://www.rba.gov.au/publications/rdp/2006/2006-08/references.html
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Introduction
1 Jun 1992
RDP
9206
Fried and Howitt (1980) apply the Azariadis (1976) model of implicit insurance contracts in labour markets to explain loan rate stickiness as a method of assuring risk averse lenders of a
https://www.rba.gov.au/publications/rdp/1992/9206/introduction.html
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Descriptive Analysis
31 Dec 2015
RDP
2015-06
This loss rate is after the effect of lenders mortgage insurance (LMI), which Australian banks hold on a significant portion of their housing loans (estimates suggest LMI covers roughly one-quarter ... Reserve Bank estimates suggest the annual loss rate
https://www.rba.gov.au/publications/rdp/2015/2015-06/des-analysis.html
Introduction
1 Dec 1992
RDP
9213
Equally importantly, the allocation of resources by financial markets has not always been socially optimal because of financial market regulation, problems induced by asymmetric information between borrowers and lenders, and the
https://www.rba.gov.au/publications/rdp/1992/9213/introduction.html
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Credit Loss Modelling
20 Sep 2022
RDP
2022-03
We take into account the benefits to banks of lender mortgage insurance (LMI) by applying a pre-specified recovery rate to mortgages that are covered by insurance and reducing LGDs. ... This is a simplified version of the LGD calculation as it abstracts
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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Theory
31 Dec 2005
RDP
2005-12
In particular, taxes, transaction costs and information asymmetries (between lenders and borrowers and/or between managers and shareholders) can make external sources of finance more costly than internal finance.
https://www.rba.gov.au/publications/rdp/2005/2005-12/theory.html