Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
Search Results
Introduction
21 Dec 2022
RDP
2022-08
Compression of these spreads is one of the key mechanisms highlighted in the literature that can adversely affect bank profitability at low rates, and results from competition with lenders less reliant
https://www.rba.gov.au/publications/rdp/2022/2022-08/introduction.html
See 2 more results from "RDP 2022-08"
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
These recessions feature impaired borrower and lender balance sheets, resource misallocations and heightened uncertainty, all factors that would tend to weaken the effect of monetary stimulus (Borio 2014a). ... Gambacorta and Mistrulli 2004; Jiménez et
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html
The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Where a lender extends some leniency towards the borrower, foreclosure will not occur immediately upon Equation (2a) being satisfied.
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
See 5 more results from "RDP 2020-03"
Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017
16 Mar 2017
Conferences
home loans, and to stronger capital and reinsurance arrangements for lenders mortgage insurance (LMI) companies (Coleman et al 2005). ... Also relevant was the tightening in prudential settings affecting the provision of mortgage finance and lenders
https://www.rba.gov.au/publications/confs/2017/ellis-littrell.html
The Impact of Unconventional Monetary Policy on the Overnight Interbank Market | Conference – 2013
19 Aug 2013
Conferences
Let m denote the measure of borrowers and hence 1 – m is the measure of lenders. ... Similarly the surplus of the lender is:. Equating. and. yields. , which implies that:.
https://www.rba.gov.au/publications/confs/2013/bech-monnet.html
Data and Variables
1 Jul 2021
RDP
2021-07
A mortgage commitment takes place after the borrower receives an accepted and signed offer of credit from the lender, typically after the borrower has signed the contract for purchase of the ... An approval occurs once the borrower receives the signed
https://www.rba.gov.au/publications/rdp/2021/2021-07/data-and-variables.html
See 3 more results from "RDP 2021-07"
Introduction | Conference – 2015
19 Mar 2015
Conferences
They do this from three perspectives: the lender, the borrower and a combined perspective. ... The lender's perspective is based on interviews with lending institutions conducted as part of the RBA's business liaison program.
https://www.rba.gov.au/publications/confs/2015/intro-2015.html
The Real Effects of Debt Covenants: Evidence from Australia
25 Oct 2022
RDP
2022-05
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003). ... Asset-based covenants have been shown to reduce the need to renegotiate loan terms as they better align the
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
See 3 more results from "RDP 2022-05"
Lending Behaviour
31 Dec 2013
RDP
2013-15
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
See 2 more results from "RDP 2013-15"
Problems and Challenges of International Capital Flows | Conference – 1999
9 Aug 1999
Conferences
The logic seems clear. Lenders bear some share of the responsibility of volatile capital flows. ... Those lenders are less cohesive and identifiable and certainly less responsive to entirely voluntary approaches.
https://www.rba.gov.au/publications/confs/1999/volcker.html