Search: Net interest spread
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RBA Glossary definition for Net interest spread
Net interest spread – A measure of the difference between a bank�s average rate of interest-bearing assets and its average rate of interest-bearing liabilities.
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Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
bank at lower spreads, whereas in times of financial stress their appetite for bank credit risk can retreat rapidly (Gorton and Metrick 2012). ... borrowers) include in their approval process an assessment of whether it can be serviced at higher (assumed)
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
List of graphs | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions
1 Aug 1994
Submissions
Chart 1: Net Interest Margin and Interest Spread. ... Graph A2: Net Interest Income as % of Average Earning Assets (Salomon Brothers).
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/graphs.html
Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
For example, the arrival of mortgage originators led to a marked decline in spreads on mortgages. ... But banks' net interest margins have remained little changed – at roughly half the levels prevailing in the 1980s.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html
Productivity Commission Inquiry on First Home Ownership
14 Nov 2003
Submissions
PDF
438KB
past decade or so is that interest rates on mortgages have approximately halved. ... house price increases more than offsetting the impact of lower interest rates on.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/pdf/inquiry-productivity-commission-on-first-home.pdf
Banking Industry.indd
7 Jun 2004
Submissions
PDF
522KB
The two main sources of revenue for banks are net interest income and non-interest income (e.g. ... 50. A better approach is to measure the net interest income of banks as a proportion of their assets.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/pdf/inquiry-australian-banking-industry.pdf
Lending Rates | Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector – May 2012 | Financial Sector | Submissions
1 May 2012
Submissions
The increases reflect efforts by banks to retain their net interest margins in the face of a combination of higher funding costs relative to the cash rate (discussed below), a shift ... Even for similar products, there has been a marked increase in the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/lending-rates.html
Submission to the Inquiry into the Post-Global Financial Crisis Banking Sector (May 2012)
1 Jun 2012
Submissions
PDF
1243KB
Senate Economics References Committee
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-post-gfc-banking-sector-2012/pdf/inquiry-post-gfc-banking-sector-2012.pdf
List of graphs | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Graph 26: Major Banks' Net Interest Margin. ... Graph 27: Banks' Net Interest Margin.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/graphs.html
Payments System Issues | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
and reliability – ensuring that risks are well identified and controlled and that, if a problem arises, its spread is limited. ... The schemes will also need to address adequately the concerns of the law enforcement agencies and consumer interests.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/payments-system-issues.html
Inquiry into home loan lending practices and processes
30 Aug 2007
Submissions
PDF
114KB
Papers submitted to House of Representatives Standing Committee on Economics, Finance and Public Administration's Inquiry into home loan lending practices and processes
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/pdf/inquiry-home-loan-lending-practices-and-processes.pdf