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RBA Glossary definition for DSR

DSR – Debt-servicing ratio

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Financial Stability Review

15 Oct 2019 FSR - October 2019 PDF 2177KB
https://www.rba.gov.au/publications/fsr/2019/oct/pdf/financial-stability-review-2019-10.pdf

Box A: Household Sector Risks in China

4 Oct 2019 FSR – October 2019
In aggregate, debt-service ratios in China (DSRs; required principal and interest payments relative to household disposable income) are higher than some advanced economies. ... Nonetheless, pockets of vulnerability exist, with some households having
https://www.rba.gov.au/publications/fsr/2019/oct/box-a-household-sector-risks-in-china.html

Box B: Housing Loan Arrears – Insights From Western Australia

4 Oct 2019 FSR – October 2019
Graph B.1. Loans with larger repayments relative to income at origination (debt-servicing ratios (DSRs)) have had larger increases in arrears rates (Graph B.2; left panel). ... Notably, the increase in the arrears rate has been much larger for loans
https://www.rba.gov.au/publications/fsr/2019/oct/box-b-housing-loan-arrears-insights-from-western-australia.html

Box A: Household Sector Risks in China

3 Oct 2019 FSR - October 2019 PDF 279KB
https://www.rba.gov.au/publications/fsr/2019/oct/pdf/box-a-household-sector-risks-in-china.pdf

Box B: Housing Loan Arrears – Insights From Western Australia

3 Oct 2019 FSR - October 2019 PDF 265KB
https://www.rba.gov.au/publications/fsr/2019/oct/pdf/box-b-housing-loan-arrears-insights-from-western-australia.pdf

Which Firms Get Credit? Evidence from Firm-level Data

13 Dec 2018 Bulletin – December 2018
Gabriela Araujo and Jonathan Hambur
To improve our understanding of how lenders assess firms’ creditworthiness, this article relates the characteristics of firms to whether their applications for credit were approved.
https://www.rba.gov.au/publications/bulletin/2018/dec/which-firms-get-credit-evidence-from-firm-level-data.html

Which Firms Get Credit Evidence From Firm Level Data

12 Dec 2018 Bulletin - December 2018 PDF 481KB
https://www.rba.gov.au/publications/bulletin/2018/dec/pdf/which-firms-get-credit-evidence-from-firm-level-data.pdf

Box B: The Impact of Lending Standards on Loan Sizes

20 Oct 2018 FSR – October 2018
Unlike the simple DSR, the NIS is tailored for the specific characteristics of each borrower. ... The interaction between the NIS and a DSR limit can be shown using an example.
https://www.rba.gov.au/publications/fsr/2018/oct/box-b.html

Box C: Vulnerable Households and Financial Stress

20 Oct 2018 FSR – October 2018
It is possible to calculate alternative DSRs using inferred values for households' required debt payments. ... A high DSR is therefore more suggestive of potential vulnerability for a lower-income household.
https://www.rba.gov.au/publications/fsr/2018/oct/box-c.html

Monetary Policy and Financial Stability in a World of Low Interest Rates

18 Dec 2017 Conferences PDF 8052KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017.pdf