Search: net interest margin
RBA Glossary definition for Net interest margin
Net interest margin – A measure of the difference between a bank�s interest earnings and interest expenses, expressed as a proportion of their interest-earning assets.
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Submission to the Financial System Inquiry - 6 September 1996 (Published as Occasional Paper No. 14)
25 Jul 2013
Submissions
PDF
604KB
Estimated net change. 5. Reserve Bank of Australia Submission to the Wallis Inquiry. ... The most prominent examplehas been the cross-subsidisation by banks of their payments services (cheque-clearingin particular) from the margin between interest
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/pdf/financial-system-inquiry-1996.pdf
Submission to the Inquiry into Access of Small Business to Finance – March 2010 | Financial Sector | Submissions
24 Mar 2010
Submissions
Since late 2008, the interest rates on small business lending have been below their averages over the past decade, as the large net reduction in the cash rate has more than ... peak in mid 2008, reflecting the large net reduction in the cash rate since
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-of-small-business-to-finance-2010/
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
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905KB
Submission to the Senate Inquiry into Matters. Relating to Credit Card Interest Rates. ... despite significant falls in funding costs. Spreads on advertised credit card interest rates.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Developments and Innovation in the Payments System | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
interests of end users, while having regard to the stability of the UK financial system. ... The ASX CCPs' margin payments are also submitted via Austraclear and settled in RITS.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/developments-and-innovation.html
Overview | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector | Submissions
30 Nov 2010
Submissions
As a result, the two-decade long decline in banks' net interest margins has ceased and margins have fluctuated in a fairly narrow range over the past few years. ... Sections 3 and 4 provide details on banks' funding costs and lending rates, while Section
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/overview.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
Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
It is, in any event, in Australia's interests to adopt high standards in supervision and regulation. ... 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
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
Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
Graph 20. Over the shorter term, fluctuations in interest rates can be expected to affect the demand for housing. ... By reducing the burden of debt repayments relative to income, lower interest rates may ease cash-flow constraints and increase borrowing
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.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