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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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The Consequences of Low Interest Rates for the Australian Banking Sector

21 Dec 2022 RDP 2022-08
Anthony Brassil
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

The Low Interest Rate Environment

21 Dec 2022 RDP 2022-08
Anthony Brassil
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
https://www.rba.gov.au/publications/rdp/2022/2022-08/the-low-interest-rate-environment.html

Investigating the ‘Reversal Rate’ in Australia

21 Dec 2022 RDP 2022-08
Anthony Brassil
Australian banks, who have historically been net borrowers in debt markets.
https://www.rba.gov.au/publications/rdp/2022/2022-08/investigating-the-reversal-rate-in-australia.html

Conclusions, Policy Implications and Future Research

21 Dec 2022 RDP 2022-08
Anthony Brassil
But new borrowers and those unable to build buffers remain vulnerable to this risk.
https://www.rba.gov.au/publications/rdp/2022/2022-08/conclusions-policy-implications-and-future-research.html

The Literature through the Lens of Banks' Balance Sheets

21 Dec 2022 RDP 2022-08
Anthony Brassil
Holding interest rates constant, an economic downturn increases losses. Business revenues will fall, unemployment will increase and property prices will fall, all of which reduce both the ability of borrowers to ... In Australia, with variable-rate loans
https://www.rba.gov.au/publications/rdp/2022/2022-08/the-literature-through-the-lens-of-banks-balance-sheets.html