Search: lending and credit aggregates

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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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Statement by Philip Lowe, Governor: Monetary Policy Decision

6 Apr 2021 Media Releases
At its meeting today, the Board decided to maintain the current policy settings, including the targets of 10 basis points for the cash rate and the yield on the 3-year Australian Government bond, as well as the parameters of the Term Funding
https://www.rba.gov.au/media-releases/2021/mr-21-04.html

The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment

31 Jan 2023 RDP 2023-01
Tom Cusbert
However, the pattern observed at the aggregate level is also evident at disaggregated levels. ... In both sets of results the lower quintiles are more responsive to easier credit conditions.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
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Statement by Philip Lowe, Governor: Monetary Policy Decision

7 Dec 2021 Media Releases
With interest rates at historically low levels, it is important that lending standards are maintained and that borrowers have adequate buffers. ... Financial conditions in Australia remain highly accommodative, with most lending rates around record lows.
https://www.rba.gov.au/media-releases/2021/mr-21-29.html

Statement by the Governor, Mr Bernie Fraser: Monetary Policy to Tighten

17 Aug 1994 Media Releases
Announcement of increase in the cash rate by 0.75 per cent to 5.50 per cent
https://www.rba.gov.au/media-releases/1994/mr-94-11.html

Macrofinancial Stress Testing on Australian Banks

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
to 3.3 explain how the credit losses are estimated within the model for residential mortgages, business and commercial real estate lending, and other lending. ... Figure 4: Business Lending Probability of Default Model. The first step in modelling PDs on
https://www.rba.gov.au/publications/rdp/2022/2022-03/full.html
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Statement by the Governor, Mr Bernie Fraser: Monetary Policy Tightens

14 Dec 1994 Media Releases
Announcement of increase in the cash rate by by 1 percentage point to around 7.5 per cent
https://www.rba.gov.au/media-releases/1994/mr-94-21.html

Financial System Liquidity, Asset Prices and Monetary Policy | Conference – 2005

11 Jul 2005 Conferences
Hyun Song Shin
The literature on the transmission of monetary policy has distinguished two potential ‘credit channels’ through which monetary policy affects lending. ... lending. Increased credit will lead to a rise in the real asset price.
https://www.rba.gov.au/publications/confs/2005/shin.html

Do Australian Households Borrow to Keep up with the Joneses?

10 Nov 2022 RDP 2022-06
Kim Nguyen
Such screening effects can lead to an inefficient allocation of credit and entrench inequality. ... 7,631. 7,631. 7,631. 7,631. Non-mortgage. Credit card. Hire purchase. Car. Business.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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Statement by the Governor, Mr Bernie Fraser: Interest Rate Reductions

3 Sep 1991 Media Releases
Announcement of reduction in the cash rate by 1 percentage point to 9.50 per cent
https://www.rba.gov.au/media-releases/1991/mr-91-15.html

How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
These factors likely include the distribution of debt, the quality of lending, institutional structures and the resilience of the financial system. ... Table 4: Macroeconomic Scenario. Change. Income related. Employment (%). –8. Investment income (%).
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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