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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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
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
A smaller reduction in credit supply means a smaller increase in lending spreads; hence, the pass-through of policy is greater than 100 per cent. ... no evidence of an aggregate reduction in credit supply (let alone a reversal rate).
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
Investigating the ‘Reversal Rate’ in Australia
21 Dec 2022
RDP
2022-08
no evidence of an aggregate reduction in credit supply (let alone a reversal rate). ... their desired reduction in credit growth with smaller lending rate increases than if all banks were net investors in debt securities.
https://www.rba.gov.au/publications/rdp/2022/2022-08/investigating-the-reversal-rate-in-australia.html
The Literature through the Lens of Banks' Balance Sheets
21 Dec 2022
RDP
2022-08
lending behaviour that are due to net income reductions from their lending operations. ... i. L. (. E. A. ). , confirming the ‘broadly stable lending spread’ result in Figure 4.
https://www.rba.gov.au/publications/rdp/2022/2022-08/the-literature-through-the-lens-of-banks-balance-sheets.html