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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Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
tax profits. Collectively, these components (net interest income and credit losses, along with the. ... more detail. Figure 4: Business Lending Probability of Default Model. The first step in modelling PDs on business lending involves mapping banks’
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
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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Changes in the Behaviour of Banks and Their Implications for Financial Aggregates | Conference – 1989
20 Jun 1989
Conferences
The graph shows that, over the period from 1984 to 1988, the monetary aggregates (M3 and broad money) grew at much lower rates than the lending aggregate which, in turn, grew ... with that of lending and credit aggregates.
https://www.rba.gov.au/publications/confs/1989/battellino-mcmillan.html
Property Prices and Bank Risk-taking | Conference – 2012
20 Aug 2012
Conferences
And regulatory policy, with its focus on individual institutions, was ill-equipped to deal with asset-price fluctuations and aggregate credit dynamics. ... After all, M2, a common measure of the money supply, is highly correlated with aggregate credit.
https://www.rba.gov.au/publications/confs/2012/dellariccia.html
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
to interest rate risk from maturity mismatches because of borrowing short and lending long. ... lending as the improved economic outlook translates into lower credit risk.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
25 Jan 2023
RDP
PDF
1588KB
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey. ... Van Bekkum et al (2019) find that LTV caps have larger effects on the borrowingof constrained households, while Acharya et al (2020) find loan-level lending
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-01.pdf
The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
PDF
2354KB
eventuated (16 per cent). Higher frequency data – such as monthly aggregate ATM withdrawals. ... being more likely to meet the lending standards for a credit card, as well as debit cards and cash.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
29 Dec 2022
Conferences
PDF
1221KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-brassil.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
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 Australian Financial System in the 1990s | Conference – 2000
21 Jun 1990
Conferences
The result was extremely strong credit growth secured against increasingly overvalued commercial property. ... In 1990, 1991 and 1992, the ratio of aggregate credit to GDP declined as the corporate sector repaid debt, but then increased at a solid pace
https://www.rba.gov.au/publications/confs/2000/gizycki-lowe.html