Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Trends in Bank Lending | Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector – May 2012 | Financial Sector |…
1 May 2012
Submissions
The decline was partly in response to the introduction of national responsible lending guidelines that require lenders to verify a borrower's capacity to repay. ... More recently, there are some tentative signs that larger business borrowers are willing
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/trends-bank-lending.html
Overview | Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector – May 2012 | Financial Sector | Submissions
1 May 2012
Submissions
Credit remains available to most borrowers, although on terms which are somewhat tighter than the period immediately prior to the crisis.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/overview.html
Submission to the Inquiry into access for Small and Medium Business to Finance
7 Feb 2011
Submissions
PDF
117KB
Access for Small and Medium Business to Finance
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-for-small-and-medium-business-to-finance-2011/pdf/inquiry-access-for-small-and-medium-business-to-finance-2011.pdf
Submission to the Inquiry into Access for Small and Medium Business to Finance - February 2011 | Financial Sector | Submissions
7 Feb 2011
Submissions
Small business borrowers have faced lower loan-to-valuation ratios, stricter collateral requirements and higher interest coverage ratios. ... costs. The average outstanding rate on small business loans declined, however, as there was a gradual fall in
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-for-small-and-medium-business-to-finance-2011/
Senate Economics References Committee Inquiry into Competition within the Australian Banking Sector
6 Dec 2010
Submissions
PDF
261KB
Inquiry into Competition within the Australian Banking Sector
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/pdf/inquiry-competition-within-australian-banking-sector-2010.pdf
Lending Rates | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
speed at which loans can be repriced, and the sensitivity of the borrower to changes in lending rates. ... There can be considerable variation in interest rates across large businesses, as banks base their pricing on the characteristics of the individual
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/lending.html
Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Low-doc loans are targeted at self-employed borrowers, or those with irregular incomes, who lack the documentation required for a standard loan. ... 1). As noted above, there has been a tightening in lending conditions for business borrowers, both large
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.html
Overview | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector | Submissions
30 Nov 2010
Submissions
Over the past 25 years, Australian borrowers have enjoyed ready access to credit. ... There has been a continual expansion in the products available to both depositors and borrowers.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/overview.html
List of graphs | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Graph 7: Business Credit by Type of Borrower.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/graphs.html
Fee Income | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
For the major banks, these fees are equivalent to about 10–15 basis points per year on a loan, although early termination fees are not payable if the borrower stays with
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/fee-income.html