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RBA Glossary definition for Cash Rate

Cash Rate – The interest rate which banks pay to borrow funds from other banks in the money market on an overnight basis. The cash rate is the Reserve Bank of Australia's operational target for the implementation of monetary policy. It is also an important financial benchmark in the Australian financial markets. It is used as the reference rate for Australian dollar Overnight Indexed Swaps (OIS) and the ASX 30 Day Interbank Cash Rate Futures. The Reserve Bank of Australia is the administrator of the cash rate. The cash rate is calculated as the weighted average interest rate on overnight unsecured loans between banks settled in the Reserve Bank Information and Transfer System (RITS). The Cash Rate is also known by the acronym AONIA in financial markets.

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Trends in Bank Lending | Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector – May 2012 | Financial Sector |…

1 May 2012 Submissions
This mainly reflected the increased capacity of borrowers, especially households, to service debt as nominal interest rates fell in line with the decline in inflation since the early 1990s. ... Since early 2012, competition among the major banks in terms
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/trends-bank-lending.html

Submission to the ACCC: Reform of Debit Card (EFTPOS) Interchange Fees – 21 March 2003 | Payments System | Submissions

21 Mar 2003 Submissions
Normal market mechanisms could also determine the pricing of banking-type services provided by merchants to their customers, particularly cash-back at point-of-sale. ... The proposal does not provide any methodology for determining a non-zero interchange
https://www.rba.gov.au/publications/submissions/payments-system/eftpos-interchange-fees/

Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions

8 Aug 2007 Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/

Overview | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector | Submissions

30 Nov 2010 Submissions
In turn, this rise in funding costs, along with a repricing of risk margins, has seen lending rates increase relative to the cash rate. ... Sections 3 and 4 provide details on banks' funding costs and lending rates, while Section 5 details developments
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/overview.html

Appendix 1: Changes to Bank Regulations | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector…

1 Jan 1991 Submissions
1970. March. Savings bank deposit rates could be varied subject to the maximum rate set by the Reserve Bank. ... Trading banks were given increased freedom to negotiate interest rates on deposits greater than $50,000, subject to a maximum rate, for terms
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/appendix-1.html

Submission to the Inquiry into Financial Related Crime – July 2014 | Financial Sector | Submissions

1 Jul 2014 Submissions
These figures reflect personal holdings by individuals, banknotes in ATMs or banknote acceptance machines, banknotes in cash registers, banknotes in financial institutions to meet daily customer demand and banknotes held in ... Meredith J, R Kenney and E
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-into-financial-related-crime-2014-07/

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

1 Mar 2014 Submissions
And the entry of foreign banks in the online deposit market saw deposit rates increase relative to the cash rate. ... These developments increased banks' funding costs and lending rates relative to the cash rate.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html

What are Interest Margins? | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions

1 Aug 1994 Submissions
Sometimes a representative loan rate and a representative deposit rate are compared, such as the gap between the business indicator lending rate and the overnight cash rate, or the gap between ... A similar approach is to compare a particular lending
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.html

List of tables | Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors – August 2015 | Financial Sector |…

27 Aug 2015 Submissions
b) The higher rate applies if an account is deemed qualified (if spending on that account exceeds a card-specific threshold). ... India. Maximum INR20 (A$0.42). NA. Financial institutions must offer customers a number of fee-free cash withdrawals every
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/tables.html

Recent Developments in State Level Economic Activity and Inflation – April 2008

30 Apr 2008 Submissions
Recent Developments in State Level Economic Activity and Inflation - 30 April 2008
https://www.rba.gov.au/publications/submissions/economic-activity/recent-developments-in-state-level-economic-activity-and-inflation/