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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
The value of annual fees is based on the fee advertised around the time of the survey. ... these very high-fee cards and using the annual fees advertised for the cards that respondents.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
rates by the end of 2020 (Altavilla et al 2022). In some jurisdictions, banks have increased fees to offset the cost of the ELB (CGFS 2019). ... To date,. there is no evidence of Australian banks increasing fees to compensate for the deposit rate ELB.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
There may also be fees associated with redrawing money from the loan and limits on how often the redraw facility is used.
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
How Risky is Australian Household Debt? Jonathan Kearns, Mike Major and David Norman. Research Discussion Paper. R DP 2020 - 05. Figures in this publication were generated using Mathematica. ISSN 1448-5109 (Online). The Discussion Paper series is
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Banks can also respond endogenously by increasing their non-interest income (for example, fee income) and reducing their costs of operating. ... For instance, banks can pivot to Non-II-generating activities as well as increase their fees.
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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Appendix A: Data
5 Aug 2020
RDP
2020-04
included. included. included. 14. Architect fees. included. 25. included. Legal and management fees.
https://www.rba.gov.au/publications/rdp/2020/2020-04/appendix-a.html
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Statement on Monetary Policy
6 Dec 2023
SMP
- August 2023
PDF
9542KB
https://www.rba.gov.au/publications/smp/2023/aug/pdf/statement-on-monetary-policy-2023-08.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
rate. The overall price of the scheme may also incorporate additional fees or discounts that vary.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
Another Model
17 Apr 2009
RDP
2009-03
and. to consumers, we take. and. to denote the per-transaction fees to consumers now directly set by each platform. ... In discussing these results we focus primarily on the price allocation aspects of platforms' fee choices.
https://www.rba.gov.au/publications/rdp/2009/2009-03/ano-model.html
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Inflation
10 Feb 2020
SMP
PDF
1179KB
Statement of Monetary Policy - August 2017
https://www.rba.gov.au/publications/smp/2017/aug/pdf/05-inflation.pdf