Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Read me file for The Role of Collateral in Borrowing
17 Jan 2021
RDP
PDF
467KB
RDP 2021-01 supplementary information
https://www.rba.gov.au/publications/rdp/2021/2021-01/rdp-2021-01-read-me.pdf
Credit Losses at Australian Banks: 1980–2013
11 May 2015
RDP
2015-06
Credit risk – the risk that borrowers will not repay their loans – is one of the main risks that financial intermediaries face, and has been the underlying driver of most systemic banking
https://www.rba.gov.au/publications/rdp/2015/2015-06.html
See 6 more results from "RDP 2015-06"
The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
borrowers to repay their loans and the values of the assets these loans are secured against. ... rate loans, the policy easing also directly reduces borrowers’ interest payments, thereby improving.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
1 Sep 2019
RDP
2019-09
The likelihood of this occurring varies with the creditworthiness of Bank B (the borrower). ... Risk weights on uncollateralised trades vary significantly depending on the creditworthiness of the borrower.
https://www.rba.gov.au/publications/rdp/2019/2019-09/full.html
See 2 more results from "RDP 2019-09"
The Consequences of Low Interest Rates for the Australian Banking Sector
29 Dec 2022
Conferences
PDF
1221KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-brassil.pdf
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
When capital ratios fall below banks' desired levels, banks increase the spreads they charge borrowers above these unconstrained spreads. ... lending standards are tightened). In this case, even though each borrower would be paying more for their loan,
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
See 4 more results from "RDP 2022-01"
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
increase banks’ willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015
19 Mar 2015
Conferences
itself. The cost of loan origination can also potentially be reduced if the borrower provides collateral. ... If the borrower fails one of these tests, then the application goes to a credit officer for manual assessment.
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html
Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
borrowers that will rent out the housing. The second policy, announced early 2017, imposed limits. ... banks’ mortgage pricing power (7.2.3); borrowers’ reclassifications of mortgage types (7.3); and,.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
of the decline in Australian neutral rates following the global financial crisis (McCririck and Rees 2017), changes in the interest rates borrowers are expected to pay in the long run may ... Holding interest rates constant, an economic downturn
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
See 4 more results from "RDP 2022-08"