https://www.rba.gov.au/speeches/2018/sp-ag-2018-09-10.html  3/13  10/09/2018  The Evolution of Household Sector Risks | Speeches | RBA  Graph 3  The risk that difficulties in the residential real estate market translate into stability issues for the financial institutions, however, appears to be currently low. The Australian banks are well capitalised following a substantial strengthening of their capital positions over the past decade.
It turns out that most of our speeches score at university reading levels. That is fine for many people, but not for everyone. This is also true for our interest rate announcements, the MPR and the Financial System Review.