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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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Data and Variables

1 Jul 2021 RDP 2021-07
Nicholas Garvin, Alex Kearney and Corrine Rosé
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
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Abstract for RDP 8101T: Overdrafts and Credit Rationing

1 Mar 1981 RDP 8101
M.A. Beck and M.W. Butlin
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1981/8101t.html

How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
so do not default causing losses for the lender.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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Read me file for The Term Funding Facility: Has It Encouraged Business Lending?

9 Dec 2022 RDP PDF 428KB
RDP 2022-07 supplementary information
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-read-me.pdf

Non-technical summary for 'The Term Funding Facility: Has It Encouraged Business Lending?'

8 Dec 2022 RDP PDF 422KB
RDP 2022-07 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-non-technical-summary.pdf

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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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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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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