Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
increase banks’ willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
First, lower profits and sticky nominal return targets can increase banks' willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
See 1 more results from "RDP 2023-05"
The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data
1 Jul 2019
RDP
2019-06
The scheduled balance is the total amount that the borrower is contracted to repay at any given time based on this formula. ... But given the capacity to prepay, most borrowers have an actual mortgage balance that is lower than the scheduled balance.
https://www.rba.gov.au/publications/rdp/2019/2019-06/full.html
See 4 more results from "RDP 2019-06"
Macroprudential Limits on Mortgage Products: The Australian Experience
4 Aug 2021
RDP
PDF
2345KB
borrowers that will rent out the housing. The second policy, announced early 2017, imposed limits. ... banks’ mortgage pricing power (7.2.3); borrowers’ reclassifications of mortgage types (7.3); and,.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
Lower interest rates reduce loan-loss provisions, as they reduce borrowers' debt servicing costs and default probabilities. ... All this saps banks' intermediation capacity because rolled-over bad loans crowd out new lending for more productive borrowers.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
Adelino, Schoar and Severino (2016) use loan-level data to show that there were large increases in credit in middle-income and prime borrowers. ... Further, prime borrowers in these zip codes also showed strong growth in mortgage debt.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
See 1 more results from "RDP 2023-01"
The Provision of Financial Services – Trends, Prospects and Implications
1 Dec 1993
RDP
9315
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9315.html
See 4 more results from "RDP 9315"
Agency Costs, Balance Sheets and the Business Cycle
1 Nov 1993
RDP
9311
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9311.html
See 4 more results from "RDP 9311"
Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
Borrowers provide and receive back securities as collateral alongside their receipt and repayment of the cash that they borrow. ... Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
See 4 more results from "RDP 2018-09"
Introduction to Small Business Conditions and Finance
20 Aug 2015
Conferences
PDF
53KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/intro-2015.pdf