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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Lessons and Questions from the GFC
6 Dec 2018
Speech
PDF
302KB
The aim was to keep the credit flowing and limit the need for fire saleswherever possible. ... The crisis very much demonstrated the critical importance of keeping the lending flowing.
https://www.rba.gov.au/speeches/2018/pdf/sp-dg-2018-12-06.pdf
The Changing Statistical Needs of Central Banks
8 Apr 2005
Speech
Speech by Glenn Stevens to the Irving Fisher Committee for Financial Statistics of the International Statistical Institute (ISI), Sydney
https://www.rba.gov.au/speeches/2005/sp-dg-080405.html
How Are Households Placed for Interest Rate Increases?
19 Jul 2022
Speech
Speech delivered by Michele Bullock, Deputy Governor, ESA (QLD) Business Lunch, Brisbane
https://www.rba.gov.au/speeches/2022/sp-dg-2022-07-19.html
Monetary Policy in 2020
24 Nov 2020
Speech
PDF
404KB
The small difference between the two reflects transactioncosts and a small credit premium. ... Business – Variable Lending RatesAverage interest rate on credit outstanding.
https://www.rba.gov.au/speeches/2020/pdf/sp-dg-2020-11-24.pdf
‘Two Perspectives on Monetary Policy’
17 Aug 1992
Speech
Talk by Bernie Fraser to a Conference in Honour of Don Sanders, Sydney
https://www.rba.gov.au/speeches/1992/sp-gov-170892.html
Small Businesses Finance in the Pandemic
4 Feb 2022
Speech
PDF
426KB
When it comes to finance, the past year has actually been less volatile for small businesses in general.Aggregate lending to SMEs has been little changed since the onset of the ... In contrast to SMEs, lending to large businesses increased sharply in
https://www.rba.gov.au/speeches/2021/pdf/sp-ag-2021-03-17.pdf
The Year Ahead
7 Feb 2019
Speech
PDF
339KB
And a fourth factor is that lending standards have been tightened and credit has become moredifficult to obtain. ... As a result,aggregate consumption has grown faster than income for the past few years.
https://www.rba.gov.au/speeches/2019/pdf/sp-gov-2019-02-06.pdf
Some Evolving Questions
21 Nov 2017
Speech
PDF
203KB
Perhaps reflecting this,as well as the recent decline in the unemployment rate, aggregate indicators of household financialstress remain quite low. ... One way of guarding against this risk is for lenders to maintain strong lending standards.
https://www.rba.gov.au/speeches/2017/pdf/sp-gov-2017-11-21.pdf
Business Investment and Banks
24 Nov 1993
Speech
Talk by Bernie Fraser to the CEDA Annual General Meeting, Sydney
https://www.rba.gov.au/speeches/1993/sp-gov-241193.html
Today's Reduction in the Cash Rate
5 Jun 2019
Speech
PDF
504KB
Lending practices have been tightenedconsiderably and many lenders have become quite risk averse. ... In aggregate, the household sector pays around two dollars ininterest for every dollar it receives in interest income.
https://www.rba.gov.au/speeches/2019/pdf/sp-gov-2019-06-04.pdf