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RBA Glossary definition for lender

lender – A person or institution which provides loans on agreed terms to borrowers.

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BA-MARTIN in Detail

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
Expected loan losses are then determined by the amount of debt held by these households minus the post-shock value of their housing collateral and lenders' mortgage insurance (consistent with the
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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References

9 Oct 2019 RDP 2019-10
Nicholas Garvin
Choi DB, JAC Santos and T Yorulmazer (2019), ‘A Theory of Collateral for the Lender of Last Resort’, Unpublished manuscript, January. ... Fischer S (1999), ‘On the Need for an International Lender of Last Resort’, The Journal of Economic
https://www.rba.gov.au/publications/rdp/2019/2019-10/references.html
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Introduction

15 Aug 2018 RDP 2018-09
Nicholas Garvin
The collateral reduces the risk to the lender – if a repo borrower defaults, the lender takes immediate ownership of the collateral, whereas if an unsecured borrower defaults, the lender joins other ... Loan-level data are valuable because, for example,
https://www.rba.gov.au/publications/rdp/2018/2018-09/introduction.html
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Monetary Policy

9 Mar 2023 RBA Annual Report – 1961
On several occasions during the year, some dealers had recourse to the Bank as lender of last resort, although the assistance sought was of marginal character only. ... Furthermore, the greater degree of participation in the market by private lenders is
https://www.rba.gov.au/publications/annual-reports/rba/1961/monetary-policy.html

Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020

9 May 2024 RDP PDF 4625KB
borrower defaults, the lender should be willing to accept a lower rate of interest on the loan for the.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-03.pdf

Financial System Surveillance

9 Mar 2023 RBA Annual Report – 1989
All groups of lenders increased their provisions for bad and doubtful debts, some by substantial amounts. ... Several money market corporations and associated companies failed during the year; lenders, including banks, have had to absorb losses as a
https://www.rba.gov.au/publications/annual-reports/rba/1989/fin-sys-surveillance.html

Financial Developments in Australia

26 Jun 2023 RBA Annual Report – 1976
The greater part of transfers of funds between lenders and borrowers usually occurs through financial intermediaries. ... Over this period, dealers made heavy use of lender of last resort facilities with the Reserve Bank.
https://www.rba.gov.au/publications/annual-reports/rba/1976/fin-dev-australia.html

Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

4 Feb 2015 RDP PDF 728KB
1. Introduction. Housing loans account for a large proportion of both households’ and lenders’balance sheets. ... Loans that amortise moreslowly may also generate greater loan losses for lenders if those loans default.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf

Appendix A: Debt Overhang Model

10 Jul 2019 RDP 2019-06
Fiona Price, Benjamin Beckers and Gianni La Cava
1. δ. This condition is essentially a debt servicing requirement imposed by mortgage lenders.
https://www.rba.gov.au/publications/rdp/2019/2019-06/appendix-a.html
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The Algorithm

15 Dec 2016 RDP 2016-11
Anthony Brassil, Helen Hughson and Mark McManus
On each day, the algorithm checks all transactions (from borrower to lender) between each pair of banks to determine if any could feasibly include an interest payment (with feasibility determined by
https://www.rba.gov.au/publications/rdp/2016/2016-11/algorithm.html
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