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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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
Introduction
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. ... This is because of the negative effects of lower profitability on bank capital and the associated
https://www.rba.gov.au/publications/rdp/2023/2023-05/introduction.html
Analytical Framework
21 Jun 2023
RDP
2023-05
On the supply side, banks might also increase their profitability by increasing their business lending as the improved economic outlook translates into lower credit risk. ... As noted in Borio et al (2017), while aggregate banking conditions might affect
https://www.rba.gov.au/publications/rdp/2023/2023-05/analytical-framework.html
Empirical Findings across Countries
21 Jun 2023
RDP
2023-05
The increase in volumes led to an increase in NIMs given the favourable spread between lending rates (positive) and the MRO rate (0 per cent). ... g. consumer loans); a reduction in less profitable credit products; and a decrease of the interest on
https://www.rba.gov.au/publications/rdp/2023/2023-05/empirical-findings-across-countries.html