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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18/06/2019 Understanding Rising Housing Loan Arrears | Speeches | ...
17 Jun 2019
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440KB
Tighter lending standards should lead to lower arrears but this can take time to show up. ... Tighter lending standards have made it more difficult for some borrowers to refinance their loan.
https://www.rba.gov.au/speeches/2019/pdf/sp-so-2019-06-18.pdf
Prudent Mortgage Lending Standards Help Ensure Financial Stability
22 Feb 2012
Speech
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90KB
Rather, it was the proportion of new lending that was interest-only loans. ... The Principles recognise that lending standards are multidimensional. This is a crucial point.
https://www.rba.gov.au/speeches/2012/pdf/sp-so-230212.pdf
Housing and the Economy
17 Oct 2019
Speech
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476KB
https://www.rba.gov.au/speeches/2019/sp-dg-2019-10-17.html 13/17. Graph 9. Lending ConditionsFinally, it is important to look at lending conditions and credit growth and ... Graph 11. While I believe that the slowdown in housing credit is more a result
https://www.rba.gov.au/speeches/2019/pdf/sp-dg-2019-10-17.pdf
The Limits of Interest-only Lending
9 May 2018
Speech
PDF
326KB
Speech. The Limits of Interest-only Lending. Christopher Kent Assistant Governor (Financial Markets). ... 3]. [4]. 5/9/2018 The Limits of Interest-only Lending | Speeches | RBA.
https://www.rba.gov.au/speeches/2018/pdf/sp-ag-2018-04-24.pdf
12/04/2018 Reserve Management and International Financial Stability: Some Reflections ...
11 Apr 2018
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516KB
Additionally, becauseeligibility restrictions were often stipulated in terms of generic credit ratings, and structured productyields exceeded those on plain vanilla securities, cash raised through securities lending often foundits way into shadow
https://www.rba.gov.au/speeches/2018/pdf/sp-so-2018-03-23.pdf
Some Innovative Mortgage Data
13 Aug 2017
Speech
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403KB
In particular, the choice of assets in thecollateral pool may be influenced by the way that credit ratings agencies assign ratings and byinvestor preferences. ... Again, thisfollowed regulatory measures to impose a ‘benchmark’ on the pace of growth
https://www.rba.gov.au/speeches/2017/pdf/sp-ag-2017-08-14.pdf
The International Economic Outlook
27 Feb 2001
Speech
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102KB
Credit spreads on various financial instrumentshad increased markedly (though for many good quality borrowers, the absolute costof borrowing had not increased, and was still pretty low). • ... The fact that fearsof a credit crunch in major countries
https://www.rba.gov.au/speeches/2000/pdf/sp-ag-030200.pdf
Exchange Rate and Crises
27 Feb 2001
Speech
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53KB
borrowing atlow interest rates in Japan and lending at high rates elsewhere in Asia.7. ... inforeign currency and would have been more conscious of the credit risk of lending to thosewho had borrowed extensively overseas.
https://www.rba.gov.au/speeches/1998/pdf/sp-dg-160198.pdf
02/05/2018 Remarks at Reserve Bank Board Dinner | Speeches ...
2 May 2018
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148KB
Domestically, for some time, we have seen the main risk to be related to household balance sheets.For a while, trends in household credit were quite concerning. ... It is also possible that lending standards in Australia will betightened further in the
https://www.rba.gov.au/speeches/2018/pdf/sp-gov-2018-05-01.pdf
18/11/2019 Mortgage Arrears | Speeches https://www.rba.gov.au/speeches/2019/sp-dg-2019-11-15.html 1/6 ...
18 Nov 2019
PDF
236KB
Theseoccur even when economic conditions and lending standards are good. So there will always be somebaseline level of mortgage arrears. ... Graph 3. Tighter lending standards should lead to lower arrears but this can be hard to discern in the rawdata.
https://www.rba.gov.au/speeches/2019/pdf/sp-dg-2019-11-15.pdf