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RBA Glossary definition for DSR

DSR – Debt-servicing ratio

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Glossary

22 Jan 2024
A glossary of terms used on the RBA website
https://www.rba.gov.au/glossary/

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22 Jul 2020 RDP 2020-03
Michelle Bergmann
Under 1 month. 2.32. na. Over 6 months. 0.33. na. DSR (base = 10–20). ... Figure 10: Stage One Hazard Ratios – DSR. Event: entries to 90+ day arrears.
https://www.rba.gov.au/publications/rdp/2020/2020-03/results.html
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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

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

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

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: Large Falls in Household Income

20 Oct 2017 FSR – October 2017
Previous research has found that households with high DSRs are more likely to miss mortgage repayments. ... Over the sample period, a DSR above 30 per cent corresponds to around the 75th percentile of the DSR distribution.
https://www.rba.gov.au/publications/fsr/2017/oct/box-c.html

Household-level Determinants of Missed Mortgage Payments

31 Dec 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
Coefficient. Marginal effect ppt. DSR. 30 DSR<50. 0.35. 3.57. DSR 50. ... average, 10 percentage points higher than for a DSR under 30 per cent.
https://www.rba.gov.au/publications/rdp/2014/2014-13/household-level-determinants.html
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Abbreviations | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
DNS. Deferred net settlements. D-SIBS. Domestic systemically important banks. DSR. Dent-servicing ratios.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/abbreviations.html