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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Semi-Annual Statement on Monetary Policy
10 Nov 1997
Bulletin
– November 1997
These include Australia's lower credit standing and the lesser liquidity of the Australian bond market. ... of a major, broadly based decline reasonably low; lenders are well capitalised and the credit process is working well.
https://www.rba.gov.au/publications/bulletin/1997/nov/2.html
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
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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2017
6 Oct 2022
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2017/
MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model
12 Jan 2022
RDP
PDF
1774KB
Therefore, by increasing their lending spreads (i.e. by reducing credit supply), banks increase. ... Debt/deposit. funding spread(b). (to cash rate). Credit. growth. Unconstrained. lending spread(c).
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf
Financial Stability Risks from Commercial Real Estate
15 Feb 2024
Bulletin
- September 2023
PDF
1116KB
https://www.rba.gov.au/publications/bulletin/2023/sep/pdf/financial-stability-risks-from-commercial-real-estate.pdf
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
Elul et al (2010) use borrowers’ credit card data as a proxy for liquidity constraints. ... such as through the credit rating agencies’ ratings criteria. For example, the Securitisation Dataset.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
2 The main groups are banks, merchant banks, finance companies, building societies, credit. ... In this way, they perform the lending and credit assessmentfunctions associated with traditional banking without engaging in retaildeposit-taking.
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
Macrofinancial Stress Testing on Australian Banks
20 Sep 2022
RDP
2022-03
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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Semi-Annual Statement on Monetary Policy
10 May 1998
Bulletin
– May 1998
Credit is readily available on attractive terms, and financial intermediation is proceeding at a strong pace. ... Graph 8. Spreads between bonds issued by different countries reflect both credit risk (i.e.
https://www.rba.gov.au/publications/bulletin/1998/may/2.html
The Relationship between Financial Indicators and Economic Activity: Some Further Evidence
1 Jun 1989
RDP
8903
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1989/8903.html
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