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Statement on Monetary Policy
10 Feb 2005
Bulletin
– February 2005
Rising household wealth and still low interest rates have also provided a boost to consumption. ... Against this backdrop, the Federal Reserve has continued the process of normalising interest rates, lifting the federal funds rate by 25 basis points at
https://www.rba.gov.au/publications/bulletin/2005/feb/1.html
Statement on Monetary Policy
10 Feb 2004
Bulletin
– February 2004
Low interest rates have also helped residential building activity, which expanded at a rapid rate in the second half of 2003, to be 10 per cent higher than a year earlier. ... Asian central banks have generally held official interest rates steady over
https://www.rba.gov.au/publications/bulletin/2004/feb/1.html
Developments in Banks' Funding Costs and Lending Rates
19 Mar 2015
Bulletin
– March 2015
This article updates previous Reserve Bank research on how developments in the composition and pricing of banks' funding have affected their overall cost of funding and the setting of lending rates. The main finding is that the spread between the
https://www.rba.gov.au/publications/bulletin/2015/mar/6.html
Consumer Credit and Household Finances
10 Jun 1999
Bulletin
– June 1999
3.80. Cash rate. 4.75. 2.75. The structure of interest rates on personal loans reflects the degree of risk taken by the lender. ... The decline in interest rates on credit cards in recent years has been less than on other household loan products, and
https://www.rba.gov.au/publications/bulletin/1999/jun/2.html
Developments in Banks' Funding Costs and Lending Rates
18 Mar 2021
Bulletin
– March 2021
Banks' funding costs declined to historical lows over 2020, reflecting the monetary policy measures announced by the Reserve Bank.
https://www.rba.gov.au/publications/bulletin/2021/mar/developments-in-banks-funding-costs-and-lending-rates.html
Statement on Monetary Policy
10 Nov 2003
Bulletin
– May 2003
At that time, the rise was largely driven by expectations that other countries would cut interest rates further due to weak growth. ... months. Selling of Treasury securities by holders of mortgage-related debt, in order to hedge their increasing interest
https://www.rba.gov.au/publications/bulletin/2003/nov/1.html
Household Debt: What the Data Show
10 Mar 2003
Bulletin
– March 2003
on the debt to income ratio independent of the interest rate effect described above. ... of the reduction provided by the fall in short-term interest rates throughout the economy.
https://www.rba.gov.au/publications/bulletin/2003/mar/1.html
Statement on Monetary Policy
10 Feb 2006
Bulletin
– February 2006
Interest rates of financial intermediaries remain a little below average, however, reflecting the compression of lending margins relative to the cash rate over recent years. ... Demand and inflation pressures have prompted increases in official interest
https://www.rba.gov.au/publications/bulletin/2006/feb/1.html
Cash Rate Pass-through to Outstanding Mortgage Rates
18 Apr 2024
Bulletin
– April 2024
The interest rate paid by outstanding mortgage borrowers increased by around 320 basis points between May 2022 and December 2023, around 105 basis points less than the cumulative increase in the cash rate over this period.
https://www.rba.gov.au/publications/bulletin/2024/apr/cash-rate-pass-through-to-outstanding-mortgage-rates.html
What are the Global Imbalances?
10 Oct 2005
Bulletin
– October 2005
real interest rates in the United States would rise as borrowers competed for funds. ... European and Japanese interest rates should have been raised. This would make no sense.
https://www.rba.gov.au/publications/bulletin/2005/oct/3.html