Trends in the Funding and Lending Behaviour of Australian Banks

Chris Stewart, Benn Robertson and Alexandra Heath
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Chris Stewart: Reserve Bank of Australia
Benn Robertson: Reserve Bank of Australia
Alexandra Heath: Reserve Bank of Australia

RBA Research Discussion Papers from Reserve Bank of Australia

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.

Keywords: banking; composition of funding; financial crises; interest rates; supply of credit (search for similar items in EconPapers)
JEL-codes: E4 E5 G01 G2 (search for similar items in EconPapers)
Date: 2013-12
New Economics Papers: this item is included in nep-ban and nep-mac
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (5)

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Persistent link: https://EconPapers.repec.org/RePEc:rba:rbardp:rdp2013-15

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