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1 July 2025

Home / Bank Liquidity

Bank Liquidity

1-11 out of 11 results.

Brace, brace, brace: The real issue behind the banking turmoil

The key issue that lies behind the banking turmoil is the constriction of credit supply that central banks are inducing amidst their assault on inflation. The withdrawal of liquidity finds out weaknesses in the system.

Don't panic, this isn't 2008

This banking crisis in the US and Europe is very different to the one which caused the 2008 Global Financial Crisis. If right, it provides an opportunity to find undervalued stocks unfairly pulled down with the bank carnage.

Rising bank funding costs driven by liquidity not credit

The bank bill/OIS swap rate may seen arcane but if it stays at current elevated levels, it may increase rates for borrowers in the same way as an increase in cash rates by the Reserve Bank.

Banks take political heat to preserve margins and deposits

Following the recent cash rate cut, it seemed unusual for banks to then increase their term deposit rates, while only passing on a fraction of the cut to borrowers. What's behind this change in bank strategy?

Is this the end of the traditional term deposit?

A recent change to banking regulation has significant implications for term deposits. With 31+ day break or notice clauses becoming more common, a large difference in deposit rates is expected.

Bank capital in a post-FSI world

The FSI's final report is expected this month. From a bank capital perspective it could go one of a few ways: changes to mortgage risk-weightings, new capital rules for the big banks, a combination of both, or no change at all.

How bank transfer pricing affects everyone

Whether you borrow or deposit or pay fees, a general understanding of how bank pricing committees determine the rates and charges for their products could provide the negotiating edge you need to get a better deal.

APRA confirms SMSFs as retail but public funds stranded

Anyone responsible for product design and pricing in the superannuation industry needs an understanding of the revised Australian Prudential Standards on bank liquidity. Some creative solutions may be needed.

Has APRA also delivered a blow to Separately Managed Accounts?

APRA has given a clearer definition of the term 'financial institution', and it may be broad enough to catch a wide range of client-authorised activity, including Separately Managed Accounts.

Health warning: long and technical discussion for bank liquidity geeks only

In Cuffelinks on 2 April 2013, we posted an article on bank liquidity. Alun Stevens, Principal at Rice Warner Actuaries, took issue with some of the conclusions, and a lively debate followed. Warning: very long and technical.

APRA helps SMSFs but large super funds left hanging

The nation's savings are in superannuation and the nation's funding needs are in the banks. Yet the regulators and the new liquidity rules make it even more difficult for the two to get together, with another free kick to SMSFs.

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Australian house prices close in on world record

Sydney is set to become the world’s most expensive city for housing over the next 12 months, a new report shows. Our other major cities aren’t far behind unless there are major changes to improve housing affordability.

The case for the $3 million super tax

The Government's proposed tax has copped a lot of flack though I think it's a reasonable approach to improve the long-term sustainability of superannuation and the retirement income system. Here’s why.

7 examples of how the new super tax will be calculated

You've no doubt heard about Division 296. These case studies show what people at various levels above the $3 million threshold might need to pay the ATO, with examples ranging from under $500 to more than $35,000.

The revolt against Baby Boomer wealth

The $3m super tax could be put down to the Government needing money and the wealthy being easy targets. It’s deeper than that though and this looks at the factors behind the policy and why more taxes on the wealthy are coming.

Meg on SMSFs: Withdrawing assets ahead of the $3m super tax

The super tax has caused an almighty scuffle, but for SMSFs impacted by the proposed tax, a big question remains: what should they do now? Here are ideas for those wanting to withdraw money from their SMSF.

The super tax and the defined benefits scandal

Australia's superannuation inequities date back to poor decisions made by Parliament two decades ago. If super for the wealthy needs resetting, so too does the defined benefits schemes for our public servants.

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