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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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Credit Losses at Australian Banks: 1980–2013

11 May 2015 RDP 2015-06
David Rodgers
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

Appendix A: More Accounting

31 Dec 2015 RDP 2015-06
David Rodgers
The net charge incorporates the release of individual provisions held against loans that no longer require them (because, for example, a borrower has recommenced making repayments). ... As a result, the borrower (a property developer) began to run out of
https://www.rba.gov.au/publications/rdp/2015/2015-06/appendix-a.html

Descriptive Analysis

31 Dec 2015 RDP 2015-06
David Rodgers
In more detail:. Deregulation allowed banks to extend credit to meet demand from borrowers (Battellino and McMillan 1989). ... Another major driver of the losses over this period was a lack of transparency on borrowers' total use of debt finance.
https://www.rba.gov.au/publications/rdp/2015/2015-06/des-analysis.html

Econometric Analysis

31 Dec 2015 RDP 2015-06
David Rodgers
Default and financial distress among household borrowers does not feature prominently in this. ... supply that involve lending to less financially sound borrowers (see Section 4.4).
https://www.rba.gov.au/publications/rdp/2015/2015-06/eco-analysis.html

Introduction

31 Dec 2015 RDP 2015-06
David Rodgers
Download the Paper 1.46. MB. Credit risk – the risk that borrowers will not repay their loans – is one of the main risks that financial intermediaries (such as banks) face. ... As credit risk materialises and borrowers fail to make repayments, banks
https://www.rba.gov.au/publications/rdp/2015/2015-06/introduction.html

Summary and Policy Implications

31 Dec 2015 RDP 2015-06
David Rodgers
The Federal Reserve collects and makes use of loan-level data on borrower characteristics in its annual stress tests of the largest US banks (Board of Governors 2014). ... This captures some aspects of the risk profile of borrowers; more work is probably
https://www.rba.gov.au/publications/rdp/2015/2015-06/sum-pol-implications.html

Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
Download the Paper 1.46. MB. 2.1 Accounting. Credit losses arise from borrower default.
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html