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RBA Glossary definition for interchange fee
interchange fee – A fee paid between card issuers and acquirers when cardholders make transactions.
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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Banks can also respond endogenously by increasing their non-interest income (for example, fee income) and reducing their costs of operating. ... For instance, banks can pivot to Non-II-generating activities as well as increase their fees.
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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Competition: Profitability and Margins | Conference – 1991
21 Jun 1991
Conferences
a greater diversity of services for the same cost;. reduced fees for existing services;. ... Logically, banks should be compensated for cheque processing by the users and that means fee for service.
https://www.rba.gov.au/publications/confs/1991/phelps.html
The Evolving Structure of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
This has typically involved very low fees for transactions services, with bank revenue essentially coming from the net interest margin, a system often described as one involving ‘implicit’ interest payments to ... Particularly important has been the
https://www.rba.gov.au/publications/confs/1996/edey-gray.html
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
In some jurisdictions, banks have increased fees to offset the cost of the ELB (CGFS 2019). ... To date, there is no evidence of Australian banks increasing fees to compensate for the deposit rate ELB (Sparks and Garner 2021).
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
As an explanation, researchers pointed to very high costs associated with foreclosure, including legal fees, moving expenses, recourse to other assets, sentimental attachment to the property and reputational costs that may
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
rates by the end of 2020 (Altavilla et al 2022). In some jurisdictions, banks have increased fees to offset the cost of the ELB (CGFS 2019). ... To date,. there is no evidence of Australian banks increasing fees to compensate for the deposit rate ELB.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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Data
23 Dec 2016
RDP
2016-12
Holiday travel. Home repairs, renovation and maintenance. Healthcare fees and products. ... Utilities. Telecommunications. Education fees. Insurance. Source: HILDA Survey Release 14.0. The analysis in this paper focuses on durables expenditure.
https://www.rba.gov.au/publications/rdp/2016/2016-12/data.html
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The Rise in Household Liquidity
24 Nov 2021
RDP
PDF
1793KB
There may also be fees associated. with redrawing money from the loan and limits on how often the redraw facility is used. ... able to be converted to cash only with advance notice and by paying a fee.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-10.pdf
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
In some jurisdictions, banks have increased fees to offset the deposit lower bound (Hack and Nicholls 2021).
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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