Search: Net interest margin
RBA Glossary definition for Net interest margin
Net interest margin – A measure of the difference between a bank�s interest earnings and interest expenses, expressed as a proportion of their interest-earning assets.
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Profitability
31 Dec 2013
RDP
2013-15
This rapid increase in assets was only partially offset by a sustained contraction in net interest margins due to increased competition. ... George. (a) The NIM (net interest margin) includes a cross-product term arising from the interaction between
https://www.rba.gov.au/publications/rdp/2013/2013-15/profitability.html
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The GFC Investment Tax Break
16 Jan 2019
RDP
PDF
1792KB
investment tax break, so our work is also of direct interest to Australian policymakers. ... bandwidth as we are including observations far away from the point of interest, with.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-07.pdf
Valuing Safety and Privacy in Retail Central Bank Digital Currency
11 Apr 2024
RDP
2024-02
2023) and increased web search interest for banking stress topics in Australia (Figure 3, top panel). ... Figure 3: Web Search Interest in Australia. October 2017 to September 2022 average = 100.
https://www.rba.gov.au/publications/rdp/2024/2024-02/full.html
Appendix A: Data Details
12 Sep 2014
RDP
2014-06
equals Real interest rate (r). 3.3. Council rates. 0.3. plus repairs. ... Earlier data are difficult to interpret but do not clearly point to a change in expected margins.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes
1 Dec 2018
RDP
2018-12
It is difficult to know the net effect of these factors and so we use the minimum loss rate of the paper denominations to estimate a lower bound and the maximum ... If the net effect of all these potential issues had large effects on banknote life, we
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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Stress Testing the Australian Household Sector Using the HILDA Survey
5 Mar 2015
RDP
PDF
1095KB
Therefore, interest rate rises tend to increase the share of households with negative financial margins, and thus the share of households assumed to default. ... LGD falls after the interest rate shock). For larger increases in interest rates, the share
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-01.pdf
Global Trends
31 Dec 2006
RDP
2006-12
This has reduced interest margins on housing loans, lowering real interest rates paid by mortgage borrowers. ... NZ. Increased competition; expansion in fixed-rate loans. Reduction in interest margins; increased capacity to pay.
https://www.rba.gov.au/publications/rdp/2006/2006-12/global-trends.html
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How Many Jobs Did JobKeeper Keep?
23 Nov 2020
RDP
2020-07
JobKeeper) to obtain an estimate of the effect of JobKeeper on employment, which is the parameter of most interest to policymakers. ... Our parameter of interest is. δ. , which is the effect of JobKeeper worker eligibility on employment.
https://www.rba.gov.au/publications/rdp/2020/2020-07/full.html
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Financial Intermediation and Securities Markets
1 Oct 1996
RDP
9605
This has typically involved very low fees for transactions services, with bank revenue essentially coming from the net interest margin, a system often described as one involving ‘implicit’ interest payments to ... No. 6203.0 and Reserve Bank of
https://www.rba.gov.au/publications/rdp/1996/9605/financial-intermediation-and-securities-markets.html
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Demand Shocks, Inflation and the Business Cycle
30 Nov 2009
RDP
PDF
72KB
While margins appear to move pro-cyclically, there is adegree of asymmetry in their behaviour. ... The results were not qualitativelydifferent from those obtained using the net balance statistic.
https://www.rba.gov.au/publications/rdp/1994/pdf/rdp9411.pdf