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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% |
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