AUSTRALIA'S big four banks are facing a barrage of criticism as none has moved to pass on this week's RBA rate cut.
And research compiled for the Herald Sun shows NAB has held back almost 40 per cent of the 1.5 per cent drop in official rates in the past 12 months.
In contrast, CBA has passed through 1.01 percentage points of the cuts.
A NAB spokesman defended the bank as being committed to having the lowest standard variable rate of all the majors for the rest of the year.
Jessica Irvine: Rating the rate cut
"For more than three years NAB has had the lowest SVR of the major banks, during which time our customers with an average mortgage have saved up to $1800 in interest on NAB's SVR compared to being on the SVR of the other major banks," he said.
I want to see Australian families get the benefits. I certainly believe that banks should be passing on the interest rate cut
Analysts said banks were on target to pocket almost $25 billion this year and could afford to pass on the full cut but probably would not as they looked to protect their profit growth.
It comes as new home sales hit a 15-year low, adding weight to calls for the cut to be passed on.
And it has boosted hopes for a rate cut on Melbourne Cup Day.
"The RBA will likely cut interest rates again in November," Macquarie Bank economist Brian Redican said.
Mortgage holders left in limbo over rates cut
"There is now a little more urgency in the RBA's actions ... it appears to be less confident in the China growth story and the peak in the investment boom may be lower than expected."
Financial research company Canstar data shows that on 10 occasions since the global financial crisis the big banks have failed to pass on the full rate reduction to borrowers.
Prime Minister Julia Gillard yesterday turned up the heat, demanding they pass on the latest cut in the official cash rate.
"I want to see Australian families get the benefits." Ms Gillard said in Launceston. "I certainly believe that banks should be passing on the interest rate cut."
Opposition Leader Tony Abbott has also called on the banks to pass on the cut in full. Nomura banking analyst Victor German explained that with deposits still very expensive, the banks would probably hold back some of the RBA cut to help with future profit growth.
Bank/ mortgage rate Oct 2001/ Oct 2012/ Difference
ANZ / 7.8% / 6.8% / -1%
CBA / 7.81% / 6.8% / -1.01%
NAB / 7.67% / 6.78% / -0.89%
Westpac / 7.86% / 6.89% / -0.97%
评论
Google 翻译版
澳大利亚的四大银行都面临着猛烈的批评，因为没有移动到本周澳洲联储降息传递。
太阳先驱报编译研究显示，NAB已经近40％的下降1.5％的官方利率在过去的12个月内举行。
相比之下，CBA已通过削减1.01个百分点。
一个NAB发言人辩护银行，作为承诺的最低标准可变利率在今年余下的所有专业。
杰西卡·欧文：评级降息
“三年多来，NAB已经有在最低SVR的主要银行，在这期间，我们的平均按揭贷款的客户已经保存了$ 1800的利息NAB的SVR的SVR的其他主要银行相比，”他说。
我希望看到澳大利亚的家庭得到了实惠。当然，我认为，银行应该通过降息
分析师称，银行的目标口袋里几乎达25亿美元，今年有能力通过全切，但可能不会，因为他们看，以保护他们的利润增长点。
它有新的本土销量创下15年来的最低点，增加重量的要求，通过切到。
而它促进了墨尔本杯赛马日降息的希望。
“央行可能会在11月份再次下调利率，麦格理银行（Macquarie Bank）经济学家布莱恩Redican说。”
抵押贷款持有人留在地狱以上价格削减
“现在多一点紧迫感，央行的行动...这似乎是不太有信心在中国的增长故事和投资热潮的高峰期可能会低于预期。”
财政研究公司CANSTAR的数据显示，自全球金融危机以来的10次大银行未能通过率降低到借款人。
总理吉拉德（Julia Gillard）昨日热，要求他们传递最新的官方现金利率削减。
“我希望看到澳大利亚的家庭得到了实惠。”吉拉德说，塔斯马尼亚州。 “我当然相信，银行应该通过降息。”
反对党领袖艾伯特（Tony Abbott）也呼吁对银行通过全削减。野村证券银行业分析师维克多德国的解释，仍然是非常昂贵的存款，银行可能会忍住一些RBA切，以帮助未来的利润增长点。
银行/抵押贷款利率10月2001/2012 /差异
ANZ / 7.8％/ 6.8％/ -1％
CBA / 7.81％/ 6.8％/ -1.01％
NAB / 7.67％/ 6.78％/ -0.89％
西太平洋银行/ 7.86％/ 6.89％/ -0.97％
评论
能把人家咋地？
评论
光是批评没用啊，得有个什么监管机构或者程序，如果民怨太大，可以搞个什么parliament inquiry
评论
anz好像是今天宣布利率
评论
刚看太阳先驱，anz是下周五
评论
西太啊。。
评论
我的ING已经降了0.25%
评论
西太是没办法才去........下下选择......
评论
西太降了0.18%
评论
现在都降了
澳洲中文论坛热点
- 悉尼部份城铁将封闭一年，华人区受影响！只能乘巴士（组图）
- 据《逐日电讯报》报导，从明年年中开始，因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
- 联邦政客们具有多少房产？
- 据本月早些时分报导，绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联