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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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Lending Behaviour

31 Dec 2013 RDP 2013-15
Chris Stewart, Benn Robertson and Alexandra Heath
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.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

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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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Choi DB, JAC Santos and T Yorulmazer (2019), ‘A Theory of Collateral for the Lender of Last Resort’, Unpublished manuscript, January.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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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

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