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The Rise in Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
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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Another Model

17 Apr 2009 RDP 2009-03
George Gardner and Andrew Stone
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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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

19 Jul 2020 RDP PDF 1853KB
including legal fees, moving expenses, recourse to other assets, sentimental attachment to the.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf

The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

8 Jun 2023 RDP PDF 1310KB
increasing their non-interest income (for example, fee income) and reducing their costs of operating. ... that interest rates have a negligible effect on US banks’ profitability, mainly because higher fees and.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf

Appendix A: Data

5 Aug 2020 RDP 2020-04
Keaton Jenner and Peter Tulip
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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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

21 Jun 2023 RDP 2023-05
Callan Windsor, Terhi Jokipii and Matthieu Bussiere
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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Banking Concentration, Financial Stability and Public Policy | Conference – 2007

20 Aug 2007 Conferences
Kevin Davis
At the same time, however, bank interest margins have been declining (Battellino 2006) and fees charged to retail customers (while increasing in aggregate value due to increased use of banking services) ... do not appear to have involved increased fee
https://www.rba.gov.au/publications/confs/2007/davis.html

Competition: Profitability and Margins | Conference – 1991

21 Jun 1991 Conferences
Les Phelps
a greater diversity of services for the same cost;. reduced fees for existing services;. ... Logically, banks should be compensated for cheque processing by the users and that means fee for service.
https://www.rba.gov.au/publications/confs/1991/phelps.html

How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis

22 Jul 2020 RDP 2020-03
Michelle Bergmann
As an explanation, researchers pointed to very high costs associated with foreclosure, including legal fees, moving expenses, recourse to other assets, sentimental attachment to the property and reputational costs that may
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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