Banking Fees in Australia

The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fee income from lending.bank; fees; Australia; exception; deposits; loans

Banking Fees in Australia

The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income was unchanged in 2010. Fee income from households declined as exception fee income and ATM revenue fell sharply, while fee income from businesses grew.banking, fees, fee income, exception, ATM, survey

澳大利亚银行的全球债券筹资

近十年来，澳大利亚银行所筹集的资金中，有相当大的一部分来自境外市场。本文考察了这些筹资活动的不同方面，包括澳大利亚银行在境外市场是否能以低于境内市场的成本筹资，以及在境外市场筹资的澳大利亚银行相对于类似的境外机构，是否要支付一定的溢价。研究发现，在2001年以来的一段时期内，银行在国内市场和境外市场的平均发行成本相差无几。这表明银行有效地利用套利，缩小了国内市场和境外市场筹资成本的差别，从而能在一个使成本最高效化的市场上进行筹资。对澳大利亚银行和相似的美国金融机构的比较则显示，并没有证据证明澳大利亚银行在境外市场筹资时需支付溢价。译者单位：北京大学经济学院（100871