Search: Pillar 2
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RBA Glossary definition for Pillar 2
Pillar 2 – The New Basel Capital Accord, issued by the Basel Committee on Banking Supervision, aims to improve the flexibility and risk sensitivity of the existing Accord. The New Accord consists of three mutually reinforcing pillars. Pillar 2 proposes procedures for supervisory review of an institution's capital adequacy and internal risk assessment process.
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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit Cards as Payment Instruments
8 May 2024
Submissions
Credit card payments accounted for 2.2 billion payments with a total value of $285 billion. ... large merchants to 2 per cent for the highest level of premium cards (Table 1).
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-as-payment-instruments.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-References
8 May 2024
Submissions
Available at <>. Verdier M (2011), ‘Interchange Fees in Payment Card Systems: a Review of the Literature’, Journal of Economic Surveys, 25(2), pp 273–297.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/references.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Introduction
8 May 2024
Submissions
The limited data available suggest that loss rates on the credit card portfolios of major banks are currently around 2 per cent.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/introduction.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-The Credit Card Market
8 May 2024
Submissions
Whereas there is little variation in holdings of debit cards by income level, the survey shows that credit cards are more widely held by higher-income individuals (Graph 2).
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/the-credit-card-market.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
8 May 2024
Submissions
the data are available, and stood at 2.5 per cent as of early 2015 (This loss rate represents an average calculated over all users of credit cards; it is reasonable ... 2 percentage points since mid 2011.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Australian Banking Association – Application for Authorisation AA1000664
23 Apr 2024
Submissions
PDF
113KB
Despite the merger having proceeded as intended, Armaguard indicated last year that its CIT business continues to be unsustainable.2. ... AUSTRALIAN BANKING ASSOCIATION – APPLICATION FOR AUTHORISATION AA1000664 | 2. Group) in late 2023 and early 2024.
https://www.rba.gov.au/publications/submissions/payments-system/accc-on-aba-cash-in-transit-application-04-2024/pdf/submission-to-accc-on-aba-cash-in-transit-application-april-2024.pdf
Reforms to the Payment Systems (Regulation) Act 1998 Submission to Senate Economics Legislation Committee - February 2024
15 Apr 2024
Submissions
PDF
266KB
enabling payments, including new entrants, are within scope. 2. reforms to ensure the Government can intervene to address emerging payment issues of national. ... REFORMS TO THE PAYMENT SYSTEMS (REGULATION) ACT 1998. | 2. The RBA raised in its Submission
https://www.rba.gov.au/publications/submissions/payments-system/reforms-to-the-psra/pdf/reforms-to-the-payment-systems-regulation-feb-2024.pdf
Graph 2 | Notes on Bank Fees in Australia – May 2000
12 Mar 2024
Submissions
Notes on Bank Fees in Australia – May 2000 Graph 2.
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-in-australia/graphs/graph-2.html
Chart 2 | International Comparisons of Bank Margins – August 1994
12 Mar 2024
Submissions
International Comparisons of Bank Margins – August 1994 Chart 2.
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/graphs/chart-2.html
Graph 2 | Submission to the Senate Select Committee on State Government Financial Management – April 2008
12 Mar 2024
Submissions
Submission to the Senate Select Committee on State Government Financial Management – April 2008 Graph 2.
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-on-small-businesses/graphs/graph-2.html