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Trends in the Funding and Lending Behaviour of Australian Banks

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Author Info

  • Chris Stewart

    (Reserve Bank of Australia)

  • Benn Robertson

    (Reserve Bank of Australia)

  • Alexandra Heath

    (Reserve Bank of Australia)

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    Abstract

    This paper describes the Australian banking system, highlighting ways in which it differs from other major banking systems. It draws together themes from previous work conducted at the Reserve Bank of Australia (RBA), and outlines the role the banking system plays in the transmission of monetary policy and the transformation of risk. The paper also discusses some more recent trends, including the increased focus on deposit funding and potential changes in the determination of lending rates due to changes in the pricing of risk. These trends are, in turn, being influenced by changes in the preferences towards, and understanding of, different types of risk by investors, banks' management and regulators.

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    File URL: http://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
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    Bibliographic Info

    Paper provided by Reserve Bank of Australia in its series RBA Research Discussion Papers with number rdp2013-15.

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    Date of creation: Dec 2013
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    Handle: RePEc:rba:rbardp:rdp2013-15

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    Related research

    Keywords: banking; composition of funding; financial crises; interest rates; supply of credit;

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    References

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    1. Daniel Fabbro & Mark Hack, 2011. "The Effects of Funding Costs and Risk on Banks' Lending Rates," RBA Bulletin, Reserve Bank of Australia, pages 35-42, March.
    2. Guy Debelle, 2004. "Household debt and the macroeconomy," BIS Quarterly Review, Bank for International Settlements, March.
    3. Luci Ellis & Dan Andrews, 2001. "City Sizes, Housing Costs, and Wealth," RBA Research Discussion Papers rdp2001-08, Reserve Bank of Australia.
    4. Calomiris, Charles W & Kahn, Charles M, 1991. "The Role of Demandable Debt in Structuring Optimal Banking Arrangements," American Economic Review, American Economic Association, vol. 81(3), pages 497-513, June.
    5. Goggin, Jean & Holton, Sarah & Kelly, Jane & Lydon, Reamonn & McQuinn, Kieran, 2012. "Variable Mortgage Rate Pricing in Ireland," Economic Letters 02/EL/12, Central Bank of Ireland.
    6. Luci Ellis, 2006. "Housing and Housing Finance: The View from Australia and Beyond," RBA Research Discussion Papers rdp2006-12, Reserve Bank of Australia.
    7. Jason Allen & Robert Clark & Jean-Fran├žois Houde, 2011. "Discounting in Mortgage Markets," Working Papers 11-3, Bank of Canada.
    8. Hatice Uzun & Elizabeth Webb, 2007. "Securitization and risk: empirical evidence on US banks," Journal of Risk Finance, Emerald Group Publishing, vol. 8(1), pages 11-23, January.
    9. Isabelle Ynesta, 2008. "Households' wealth composition across OECD countries and financial risks borne by households," OECD Journal: Financial Market Trends, OECD Publishing, vol. 2008(2), pages 1-25.
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