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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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
9 Mar 2023
Submissions
There is relatively limited information available on the risk of credit card lending. ... issuers making much higher rates of return on their credit card lending than on other lines of business.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Competition in the Australian Financial System - March 2018
21 Mar 2018
Submissions
PDF
503KB
Supplementary Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system-2018-03/pdf/supplementary-submission-to-productivity-commission-march-2018.pdf
Submission to the Financial System Inquiry March 2014
10 Nov 2017
Submissions
PDF
3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
Competition in the Financial System - September 2017
19 Sep 2017
Submissions
PDF
969KB
Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/pdf/submission-to-productivity-commission-september-2017.pdf
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
SME credit assessment capabilities or research and development), the greater the advantage to scale. ... Investors may accept lower returns for the credit risk associated with lending to institutions that they perceive as being systemically important.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
HANDOUT PREPARED FOR STANDING COMMITTEE ON ECONOMICS 22 SEPTEMBER 2016
21 Sep 2016
Submissions
PDF
386KB
The spread between the average interest rate paid by small businesses and the cash rate has increased by more than the spread on housing rates, reflecting a repricing of credit ... quarterly aggregates. From 2006 data are on an IFRS basis; prior
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
Submission to the Senate Inquiry into Matters. Relating to Credit Card Interest Rates. ... Sources: ABS; APRA; RBA. Credit risk to banks. There is relatively limited information available on the risk of credit card lending.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Submission to the Inquiry into Home Ownership - June 2015
15 Jul 2015
Submissions
PDF
4844KB
Submission to the Inquiry into Home Ownership
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/pdf/inquiry-into-home-ownership.pdf
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
The stability of the aggregate home ownership rate in the face of these trends has been driven by the ageing of the population. ... the population will have tended to push up the aggregate home ownership rate, offsetting the reduced propensity of younger
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
They have: similar sized balance sheets; broadly comparable shares of lending and deposits; relatively large shares of housing loans; similar capital positions; and the same credit ratings (Table 4.2). ... 4.2.2.1 Bank lending. Banks and other ADIs
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html