In October, the RBA released its latest Financial Stability Review where it commented on the resilience of Australian households in face of higher inflation and interest rates. Consistent with Gryphon’s past commentary, the RBA summarised that households’ ability to manage higher expenses and interest rates has mostly relied on three factors.
1. Strong labour market has supported household incomes
2. Many households have curtailed their spending, particularly for discretionary goods and services
3. Some households have been able to draw on the large savings buffers they accumulated during the pandemic.
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