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
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
Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
The discussion that follows makes use of a basic distinction between the credit institutions (or financial intermediaries) sector, comprising those institutions whose core functions involve borrowing and lending,. ... In this way, they perform the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.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
Submission to the Inquiry into Access of Small Business to Finance – March 2010 | Financial Sector | Submissions
24 Mar 2010
Submissions
The smaller Australian banks account for most of the remaining lending to small businesses. ... The major banks have increased their market share, partly through acquisition, and now account for about three-quarters of lending to unincorporated businesses
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-of-small-business-to-finance-2010/
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions
8 Aug 2007
Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/
Submission to the Inquiry into the Reserve Bank Amendment (Australian Reconstruction and Development Board) Bill 2013 – February 2014 |…
1 Feb 2014
Submissions
The Australian banking system currently provides the bulk of the rural sector's debt financing, with bank lending accounting for around 94 per cent of outstanding rural credit. ... At the same time, financial intermediaries have reassessed the terms
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-rba-amendment-australian-reconstruction-development-board-bill-2013/
Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
An important longer-run development has been an increase in syndicated lending, whereby two or more lenders jointly provide credit to the same borrower. ... But, viewed in aggregate, relatively prudent lending standards, alongside favourable economic
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html
Superannuation | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
superannuation funds' role in the funding of banks; and banks' lending to superannuation funds. ... Superannuation funds do not engage in trading with each other, whereas interbank borrowing and lending is significant.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/superannuation.html
Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
non-conforming loans, which are offered to borrowers who do not meet the standard lending criteria of mainstream lenders, usually because of poor credit or repayment histories. ... the risks of lending to credit impaired borrowers.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html