The financial crisis has made clear that supervisors must adopt a macroprudential, or systemically oriented, approach that addresses both safety and soundness risks at individual institutions and risks to the stability of the financial system as a whole.
So an appreciation of the US dollar increases the cost of repaying the loan in Australian dollar terms; and  https://www.rba.gov.au/speeches/2018/sp-ag-2018-12-10.html  3/10  12/10/2018  US Monetary Policy and Australian Financial Conditions | Speeches | RBA  2. the banks must meet their periodic coupon (interest) payments in US dollars, which are tied to US interest rates (either immediately if the security has a floating interest rate, or when the security matures and is re-financed).