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30 Jul 2018
Submissions
Supplementary Submission to NESA Review of Commerce Years 7–10 Syllabus - July 2018
https://www.rba.gov.au/publications/submissions/other/submission-to-nesa-review-of-commerce-years-7-10-syllabus-2018/
30 Jul 2018
Submissions
PDF
1687KB
NESA REVIEW OF COMMERCE YEARS 7-10 SYLLABUS | 2. Furthermore, the instrument of monetary policy – the cash rate – influences other interest rates in the economy, with interest rates and inflation being
https://www.rba.gov.au/publications/submissions/other/submission-to-nesa-review-of-commerce-years-7-10-syllabus-2018/pdf/submission-to-nesa-review-of-commerce-years-7-10-syllabus.pdf
21 Mar 2018
Submissions
PDF
503KB
Supplementary Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system-2018-03/pdf/supplementary-submission-to-productivity-commission-march-2018.pdf
10 Nov 2017
Submissions
PDF
3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
19 Sep 2017
Submissions
PDF
969KB
Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/pdf/submission-to-productivity-commission-september-2017.pdf
6 Sep 2017
Submissions
These rates have changed very little since 2010, despite a fall of over 3 percentage points in the cash rate over this period. ... The actual interest rates paid on credit cards will be lower than advertised rates to the extent that cardholders switch
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/competition-in-the-payments-system.html
6 Sep 2017
Submissions
Regulatory changes have also encouraged this trend. While the effects have varied between deposit products, average deposit rates relative to the cash rate have risen, while average account fees have fallen; ... Measures aimed at open banking and
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/introduction.html
6 Sep 2017
Submissions
Banks also attracted deposits by increasing interest rates (Graph 21). The average interest rate paid on deposits relative to the cash rate rose by around 2 percentage points from their level ... prior to the crisis, to be just below the level of the
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
6 Sep 2017
Submissions
They therefore developed a low-cost business model using securitisation funding and mobile lenders, which enabled them to undercut banks' mortgage rates (RBA 2014b). ... In the 1990s, the entry of foreign banks into the online deposit market saw a rise
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/recent-influences-on-the-competitive-environment.html
6 Sep 2017
Submissions
Narrower measures of profitability, such as the spreads of lending rates to the cash rate, have shown divergent trends in recent years (Graph 14). ... While spreads on variable-rate home loans have been rising, once discounts are factored in, the rates
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html