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RBA Glossary definition for balance of payments

balance of payments – A summary of the economic transactions between residents of one country and residents of other countries.

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Summary of Key Themes | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
Greater access to the credit and payment histories of borrowers might be beneficial to this. ... Support is also available through various ‘incubators’. In the Bank's view, these initiatives are striking an appropriate balance.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/summary-of-key-themes.html

The Reserve Bank's Response | Report to the Inquiry into Competition in the Banking and Non-Banking Sectors – May 2009 | Financial Sector | …

7 May 2009 Submissions
The daily flows in and out of these accounts can be very large, though account holders are required to maintain positive ES balances at all times. ... The main client of the Bank is the Australian Government: so, for example, payment of tax to the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-report-2009-05/reserve-bank-response.html

Competition in Banking | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions

1 Jan 1991 Submissions
compliance with the Code is now being monitored by the Australian Payments System Council; and. ... Both directly and through its involvement with the Australian Payments System Council, the Bank is supporting initiatives to improve standards of services
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/competition-in-banking.html

Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…

30 Nov 2010 Submissions
They did not have either a balance sheet or a capital base from which to fund their lending. ... Interest-only loans, especially among investors, for whom the reduced payments and potential for increased tax benefits are important.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.html

Objectives and Types of Financial Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…

6 Sep 1996 Submissions
First, the structure of their balance sheets makes banks vulnerable to disturbances, even short-lived ones. ... Today, owing to the proliferation of transactions, a day old balance sheet can be obsolete.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/objectives-and-types-of-financial-regulation.html

Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
The Bank's payments system reforms, overseen by the Payments System Board (PSB), have focused on improving competition and efficiency in payment systems, consistent with maintaining stability and effective management of ... The Reserve Bank has exercised
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html

Appendix F: References | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
175–201. Mackrell, N.C. (1996), ‘The Cheque's Role in Today's Payment System’, talk presented to AIC Banking Conference on The Future of Cheques, 16 May. ... Mills, K., S. Morling and W. Tease (1993), ‘Balance Sheet Restructuring and Investment’
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-f.html

Personal Lending Market | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector…

10 Jul 2008 Submissions
The five largest banks currently account for just over 70 per cent of outstanding credit card balances, which is down from 84 per cent in 2002 (Table 4). ... Over recent years, some credit card issuers have also attempted to attract business by offering
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/personal-lending-market.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates - ATM Fees | Submission to the Inquiry into the…

27 Aug 2015 Submissions
for payments and a decline in ATM withdrawals, which has increased unit costs. ... Overall, a direct charge was paid on 10 per cent of balance enquiries.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/atm-fees.html

The Regulatory Response to the Global Financial Crisis | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
In 2012, the Committee on Payment and Settlement Systems (CPSS) and IOSCO published the Principles for Financial Market Infrastructures (PFMIs). ... They include payment systems, central securities depositories and securities settlement systems, central
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/regulatory-response-to-the-global-financial-crisis.html