Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
term by passing on changes in funding costs to borrowers as they occur. ... where borrowers with more equity have also tended to receive larger discounts (Allen, Clark and Houde 2011).
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
Do Monetary Policy and Economic Conditions Impact Innovation? Evidence from Australian Administrative Data
13 Feb 2024
RDP
PDF
1260KB
which reduce borrowers’ collateral value and therefore borrowing capacity, the ‘financial accelerator.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-01.pdf
Appendix C: Full Results
13 Dec 2022
RDP
2022-07
May. (a). Jun. Jul. Aug. Sep. Oct. SME borrower. 2.691. (6.060). ... Jun. Jul. Aug. Sep. Oct. Nov. Dec. SME borrower. 15.483. (6.058).
https://www.rba.gov.au/publications/rdp/2022/2022-07/appendix-c.html
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Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
focus on those whose institutional and legal frameworks, LVR distribution, and borrower and bank. ... that is, the extent to which the borrower is in negative equity), plus a margin to cover foreclosure.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
The US Current Account Deficit: A Re-Examination of the Role of Private Saving
1 Nov 2005
RDP
2005-09
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2005/2005-09.html
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A Density-based Estimator of Core/Periphery Network Structures: Analysing the Australian Interbank Market
14 Feb 2018
RDP
2018-01
Understanding the network of relationships between borrowers and lenders in this market, and how it changes during periods of stress, is crucial for understanding the resilience of the market.
https://www.rba.gov.au/publications/rdp/2018/2018-01.html
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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
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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
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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
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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
25 Jan 2023
RDP
PDF
1588KB
constraints. In the empirical micro literature, Mian andSufi (2009) document that zip codes with more subprime borrowers in 1996 had disproportionatelyhigh mortgage growth in the boom and default rates in 2007 ... Further, prime borrowers in these
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-01.pdf