Search: lending and credit aggregates
RBA Glossary definition for lending and credit aggregates
lending and credit aggregates – Reserve Bank of Australia measures of lending and credit made available to the private non-finance sector (including public trading enterprises) or, the government sector by those financial intermediaries whose liabilities are included in broad money. Broad money is defined as currency plus bank current deposits of the private non-bank sector, plus all other bank deposits of the private non-bank sector plus borrowings from the private sector by non-bank financial intermediaries (NBFIs), less the latter's holdings of currency and bank deposits.
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Other Mortgage Market Outcomes
1 Jul 2021
RDP
2021-07
Aggregate credit growth data are not available for IO mortgages, but, as evident in Figure 1, the IO share of investor loans is higher than that of occupier loans.) Credit growth ... Footnotes. The CreditGrth. t. variables are of Australian credit
https://www.rba.gov.au/publications/rdp/2021/2021-07/other-mortgage-market-outcomes.html
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Appendix B: Identifying the Separate Effects of Liquidity and Lending Standards Shocks
31 Dec 2013
RDP
2013-05
RDP 2013-05: Liquidity Shocks and the US Housing Credit Crisis of 2007–2008 Appendix B: Identifying the Separate Effects of Liquidity and Lending Standards Shocks. ... ij. ) rather than specific to each bank. The new lending standards shock comprises
https://www.rba.gov.au/publications/rdp/2013/2013-05/appendix-b.html
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MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA's Macroeconometric Model
18 Jan 2022
RDP
2022-01
In reality, housing prices, investment and credit growth are determined by the lending rates available for new loans. ... Therefore, the original MARTIN relationship between household credit growth and lending rates remains unchanged with this
https://www.rba.gov.au/publications/rdp/2022/2022-01/full.html
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The Algorithm
15 Dec 2016
RDP
2016-11
Credit-facility lending occurs when a bank borrows (overnight) from the same counterparty over several consecutive days, but where:. ... Table 1: A Hypothetical Example of Credit-facility Lending. Simple interest, 5.475 per cent annualised interest rate.
https://www.rba.gov.au/publications/rdp/2016/2016-11/algorithm.html
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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Lower capital can also weigh on lending (Gambacorta and Shin 2018), with reduced credit availability potentially weighing on economic activity. ... On the supply side, banks might also increase their profitability by increasing their business lending as
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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The Role of Collateral in Borrowing
20 Jan 2021
RDP
2021-01
The large credit channel literature has identified characteristics of credit crunches (e.g. ... Rather, there is evidence of lending expansions related to heightened demand for liquid (and safe) assets.
https://www.rba.gov.au/publications/rdp/2021/2021-01/full.html
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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
27 Nov 2023
RDP
2023-08
quartile. This may reflect higher-income households being more likely to meet the lending standards for a credit card, as well as debit cards and cash being used as budgeting tools ... Figure 19: Change in Share by Number of Debit and Credit Card Payments
https://www.rba.gov.au/publications/rdp/2023/2023-08/full.html
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The Relationship between Financial Indicators and Economic Activity: 1968-1987
1 Aug 1988
RDP
8805
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1988/8805.html
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Appendix A: Pass-through Lower Bound in BA-MARTIN
21 Dec 2022
RDP
2022-08
︸. Effect of. credit growth . on capital ratio. ]. d. r. D. ,. t. d. ... And with credit demand only directly responding to cash rate changes via the resulting change in lending rates, zero pass-through would also mute the effect of cash rate
https://www.rba.gov.au/publications/rdp/2022/2022-08/appendix-a.html
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The Relationship between Financial Indicators and Economic Activity: Some Further Evidence
1 Jun 1989
RDP
8903
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1989/8903.html
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