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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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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

Executive Summary | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
In regard to the payments system, the major issues are risk, entry and challenges from new technology. ... The RBA plays a minor role in this area through the Australian Payments System Council and some Industry Codes of Conduct.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/executive-summary.html

International Comparisons | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions

1 Aug 1994 Submissions
This rise has been attributed to increased off-balance sheet activity and costs associated with industry consolidation. ... The National Bank of NZ does not specifically identify bills in their balance sheet.
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/internationall-comparisons.html

Competition and Consumer Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
Telephone banking and, increasingly, the Internet, allow bank customers to conduct many transactions such as paying bills and moving funds between accounts, balance inquiries and obtaining product information without visiting a ... Finally, improvements
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/competition-and-consumer-regulation.html

Introduction | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions

1 Aug 2014 Submissions
of the payments system and the stability of the financial system more broadly. ... The Bank's current approach to payment system regulation, as overseen by the Payments System Board, remains appropriate.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/introduction.html

Submission to the Inquiry into Housing Affordability and Supply in Australia

20 Sep 2021 Submissions PDF 1496KB
lower. In addition, by maintaining mortgage payments steady as interest rates fall, existing. ... payments, transaction costs (e.g. stamp duty), depreciation and running costs (e.g.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-housing-affordability-and-supply-in-australia/pdf/inquiry-into-housing-affordability-and-supply-in-australia.pdf

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

1 Aug 1994 Submissions
Another measure based on profit and loss and balance sheet information is the interest spread. ... The presence of ‘non-accrual’ loans – i.e. those loans on which interest payments have fallen into arrears – also affects measures of interest
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.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

Submission to the Inquiry into Development of the Commonwealth Performance Framework

18 Jun 2015 Submissions PDF 206KB
Inquiry into Development of the Commonwealth Performance Framework
https://www.rba.gov.au/publications/submissions/other/pdf/inquiry-development-of-commonwealth-performance-framework.pdf

Present Regulatory Responsibilities | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
For example, a funds manager could not merely pool assets and allow the returns to flow through to the investor if there were capital-backed products on the same balance sheet. ... It chairs and provides the Secretariat for the Australian Payments System
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/present-regulatory-responsitilities.html