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Commonwealth of Australia: In the Australian Competition Tribunal – April 2004 | Payments System | Submissions

13 Jun 2023 Submissions
The benefits of the EFTPOS system accrue to both consumers and merchants.
https://www.rba.gov.au/publications/submissions/payments-system/au-competition-tribunal/index.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit

9 Mar 2023 Submissions
A simple calculation would suggest that around 75–80 per cent of transactions on credit cards do not accrue interest. ... the implied average balance for those accounts that do not accrue interest would be around $1,600 to $1,900.
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

Proposed merger between Armaguard and Prosegur – October 2022 | Responses and Options Paper

24 May 2023 Submissions
moving to a new regulatory model) to be a benefit that would accrue from the Proposed Transaction, as the Reserve Bank is not, at this stage, proposing ‘moving to a new
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-october-2022/index.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Introduction

9 Mar 2023 Submissions
The proportion of the stock of credit card debt that accrues interest has been falling in recent years.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/introduction.html

Funding Bank Supervision | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
system. Supervision of banks provides benefits which spread across the whole economy, and do not accrue just to banks (and their depositors and shareholders).
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/funding-bank-supervision.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates

14 Aug 2015 Submissions PDF 905KB
 The proportion of the stock of credit card debt that accrues interest has been falling in. ... The proportion of the stock of debt that accrues interest has fallen from around three-quarters of.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf

Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
Banks have a strong incentive to provide products in addition to loans to small businesses since around 40 per cent of fee income that banks earn from businesses accrues from deposits
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html

Innovation and Technological Change in Financial Intermediation and the Payments System | Supplementary Submission to the Financial System…

13 Jan 1997 Submissions
It is in the interest of financial system stability that institutions are able to do so using a means that eliminates settlement risk and does not allow it to accrue.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/innovation-and-technological-change-in-financial-intermediation.html

Policy Responses | Hedge Funds, Financial Stability and Market Integrity – March 1999-Public | Financial Sector | Submissions

1 Mar 1999 Submissions
In part, this market failure reflects the fact that in determining private disclosure arrangements, institutions do not take into account the public benefits that accrue from the release of information.
https://www.rba.gov.au/publications/submissions/financial-sector/hedge-funds-financial-stability-and-market-integrity/public-policy-responses.html

Competition in the Financial System - September 2017

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