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Banks pick fight with RBA over wholesale payment fees

The central bank is considering stricter caps on “interchange fees” in its review of payment costs. Worth $2.1 billion annually, squeezing this could hurt competition.

  • James Eyers

This Month

Banks had a surprisingly strong 2024 on the sharemarket. Can that continue?

Will bank stocks continue to run hot this year?

After beating the ASX 200 by 24 per cent, shareholders are faced with a “challenging predicament” of whether to stick with the banks or finally take some profits.

  • Updated
  • James Eyers

Banks should face penalties for restricting loans under ESG

Readers’ letters on who banks should lend to, election promises, the ESG pushback, Star Entertainment’s bid for tax relief and Taiwan.

Positioning banks as competing with brokers is like saying Hilton hotels is competing with travel agents, instead of Hyatt and Sofitel.

Banks stand firm on ESG after Dutton ‘woke’ jibe

Banks and their shareholders reject the claim “wokeness” is stopping them lending to fossil fuel and forestry businesses, arguing that commercial reality drives loan decisions.

  • John Kehoe
The Trump-era’s expected higher for longer interest rates is helping banks raise capital in bond markets.

Big banks make the most of Trump bump

The big four have been quick to make the most of hungry investors, raising nearly $20 billion in the past week.

  • Anthony Macdonald
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ANZ thinks a cut from the RBA next month is likely after fresh inflation data this week.

ANZ joins forecasters betting on February RBA rate cut

It and Commonwealth Bank agree that mortgage holders may finally get some relief next month, but they are the only two majors predicting that.

  • Joshua Peach and Cecile Lefort
The big four banks delivered an average total return of 33 per cent in 2024.

Super the key to untangling CBA share price puzzle: JPMorgan

New data shows superannuation funds increased their holdings in Australia’s big four banks last year despite fund managers’ moves to dump the sector.

  • Emma Rapaport
Macquarie has largely failed to grow its business lending book at the pace of its competitors month-to-month.

Maverick Macquarie misfires as its business bet starts cold

The share of business lending commanded by Australia’s fifth major bank has flat-lined since last February.

  • Lucas Baird

The top six business trends for 2025

Here are six themes we expect to make news in 2025, from professional services to crypto and artificial intelligence across offices, boardrooms and suburbs.

  • John Davidson, James Eyers, Edmund Tadros, Sally Patten, Euan Black and Nick Lenaghan

December 2024

The IMF has called for regulators to consider tightening Australia’s already-stringent home lending laws, pushing back on a Coalition plan to relax home loan regulations.

IMF calls for home lending crackdown when rate cuts arrive

The International Monetary Fund says regulators should consider tightening Australia’s already-stringent home lending laws, pushing back on a Coalition plan.

  • Michael Read
Square argues a debit card surcharge ban will play into the hands of the major banks.

Debit surcharge ban unfairly favours major banks, claims Square

The Block subsidiary introduced “blended” card payment fees which include using its software. They have become a flashpoint in the RBA’s payment cost review.

  • Updated
  • James Eyers
The RBA is reviewing how surcharging works after complaints that it was a growing and hidden cost of buying goods and services.

There are more hidden costs to payments than people think

Consumers should not pay excessive surcharges, but a total ban will not lower the expense of card payments for businesses.

  • Jon Davey
Anthony Miller started as chief executive of Westpac on Monday.

Westpac CFO retires, giving Miller chance to reshape leadership

Michael Rowland said he would leave next year, taking to three the number of senior positions to be filled by the bank’s new chief executive.

  • James Eyers and Lucas Baird
Treasurer Jim Chalmers with CBA’s Matt Comyn and Angus Sullivan.

How CBA’s $3 fee gambit nearly blew up the bank’s political capital

Bankers inside Commonwealth Bank’s retail division figured a small branch cash withdrawal charge was innocuous. They were wrong.

  • Lucas Baird and James Eyers
Access to housing will be one of the big issues during the federal election campaign next year.

Barrenjoey stokes political debate over APRA’s home-lending policy

The investment bank says a Coalition-led Senate committee report last month – challenging the prudential regulator on first home buyers – “appears logical”.

  • James Eyers
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HSBC.

ASIC sues HSBC Australia over slow scam response

ASIC claims some customers of the international bank lost $90,000 due to scammers, after warning it of suspicious activity on their accounts.

  • Ronald Mizen and James Eyers
Kevin Corbally and Shayne Elliott at ANZ’s half-year results in May 2024.

ANZ risk boss fed up with bank leaks

Executives are cracking down on would-be informants before the bank’s AGM as the board hopes to convince investors it has been tough enough on cultural failings.

  • Jonathan Shapiro and Lucas Baird
CEOs are keeping a close eye on RBA governor Michele Bullock’s interest rate calls and press conferences.

CEOs say you cannot bank on falling interest rates

The big banks are telling customers that interest rate cuts are coming. Their big business clients are less sure.

  • Anthony Macdonald and James Thomson
AFR

CBA’s relentless rally in five charts

The stellar advance in Australia’s biggest bank makes no “logical sense” to investors, yet the shares keep grinding higher. Here’s why.

  • Cecile Lefort and Sarah Jones
Westpac chairman Steven Gregg and  CEO Peter King at the bank’s 2023 AGM. This year’s meeting will be held in Sydney on Friday.

Calls grow for Westpac to reveal energy transition plan thinking

Australian Ethical and Market Forces have put forward a resolution for a second year seeking more detail on the bank’s assessment of borrowers’ transition plans.

  • James Eyers

Original URL: https://www.afr.com/topic/big-four-banks-5ux