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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Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Despite the many changes in the prices of loans and debt instruments since then, Australian banks' net interest margins are still around their historic lows. ... The rapid increase in assets was partly offset by a sustained contraction in net interest
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.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
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
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
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
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
Appendix 1: OECD and Salomon Brothers Data | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions
1 Aug 1994
Submissions
shows net interest margins in Australia are on a par with the UK and US, but lower than Italy and Spain. ... Both charts show net interest margins in Australia above those in Germany, France, Switzerland and Japan.
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/appendix-1.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
Funding Bank Supervision | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
supervision, the re-introduction of a discounted interest rate in mid 1995 was essentially a revenue-raising measure. ... The case for a licence fee depends on there being identifiable net commercial benefits from banking status.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/funding-bank-supervision.html
Competition in Banking | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions
1 Jan 1991
Submissions
The two main sources of revenue for banks are net interest income and non-interest income (e.g. ... 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/competition-in-banking.html