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RBA Glossary definition for Cash Rate

Cash Rate – The interest rate which banks pay to borrow funds from other banks in the money market on an overnight basis. The cash rate is the Reserve Bank of Australia's operational target for the implementation of monetary policy. It is also an important financial benchmark in the Australian financial markets. It is used as the reference rate for Australian dollar Overnight Indexed Swaps (OIS) and the ASX 30 Day Interbank Cash Rate Futures. The Reserve Bank of Australia is the administrator of the cash rate. The cash rate is calculated as the weighted average interest rate on overnight unsecured loans between banks settled in the Reserve Bank Information and Transfer System (RITS). The Cash Rate is also known by the acronym AONIA in financial markets.

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Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…

6 Sep 1996 Submissions
These concerns partly reflected the fact that key lending rates fell less than one-for-one with cash rates during the extended period of cash-rate reductions in the early 1990s, ... Secondly, abstracting from cyclical movements, both deposit and lending
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html

Submission to the Inquiry into Financial Related Crime – July 2014 | Financial Sector | Submissions

1 Jul 2014 Submissions
These figures reflect personal holdings by individuals, banknotes in ATMs or banknote acceptance machines, banknotes in cash registers, banknotes in financial institutions to meet daily customer demand and banknotes held in ... Meredith J, R Kenney and E
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-into-financial-related-crime-2014-07/

Recent Developments in State Level Economic Activity and Inflation – April 2008

30 Apr 2008 Submissions
Recent Developments in State Level Economic Activity and Inflation - 30 April 2008
https://www.rba.gov.au/publications/submissions/economic-activity/recent-developments-in-state-level-economic-activity-and-inflation/

The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions

13 Jan 1997 Submissions
At the other extreme, mortgage origination could go the same way as cash management trusts. ... As explained in Chapter 2, there are various levels of the payments system.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html

Personal Lending Market | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector…

10 Jul 2008 Submissions
Over recent years, some credit card issuers have also attempted to attract business by offering discounted introductory rates or interest-rate concessions on balance transfers for certain periods. ... Notwithstanding these competitive pressures, the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/personal-lending-market.html

Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
And the entry of foreign banks in the online deposit market saw deposit rates increase relative to the cash rate. ... Interest rates on credit cards have continued to increase relative to the cash rate in recent years.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html

Executive Summary | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003 | Housing and Housing Finance …

1 Nov 2003 Submissions
Mortgage interest rates have been relatively stable at a low rate now for the past half-dozen years. ... At present, the gross yields are reported to be around 3 per cent which means that, after payment of municipal rates, water rates, management fees,
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/executive-summary.html

Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
In contrast, loss rates on some other loan portfolios have been elevated at times. ... years. If interest rates rise substantially during the term of the fixed-rate loan, households would be exposed to a negative repayment shock at its expiry.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html

Factors Behind the Recent Rise in House Prices | Submission to the Productivity Commission Inquiry on First Home Ownership – November 2003…

1 Nov 2003 Submissions
Another influence on mortgage rates in Australia has been increased competition in the financial sector since deregulation, resulting in a significant compression of mortgage interest margins relative to the cash rate ... Clearly, this increase has gone
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-productivity-commission-on-first-home/factors-behind-recent-rise-in-house-prices.html

Submissions

8 May 2024 Submissions
Index of Documents commissioned by or prepared for Parliament, its committees, and other public inquiries
https://www.rba.gov.au/publications/submissions/