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Bank Profits are Up Thanks to Customers
Banks are posting enormous profits in their latest revenue disclosures. Statistics indicate that deposits from customers make up a bulk of these bank profits.
The latest bank to reveal its revenue is the National Australia Bank (NAB), which reported an interim profit of $3.15 billion for the first half. The NAB practically acknowledged in its press release that depositors primarily helped with the reported huge bank profits.
NAB stated that lower costs on liquidity, deposit and funding costs significantly contributed to higher revenues from lending and deposits. The total revenues of Australia’s big four banks rose to $15 billion for the first half of the year.
The New Daily stated that most banks used to raise their capitals from international sources; however, the global financial crisis changed things and made it costlier and more difficult for banks to borrow from overseas lenders. To keep their businesses going, banks resorted to local household and business depositors for their capital needs.
From around 40 per cent in 2007, deposits now account for 60 per cent of funding for all domestic loans from the banks.
Figures released by the Australian Prudential Regulation Authority (PRA) confirm the sizeable portion of deposits from consumers that make up bank profits. Around $560 billion worth of deposits from households is held by the banks. The big four hold a big slice of the pie with 82 per cent of the deposits worth about $530 billion.
The ones on the losing end of all these soaring bank profits are the more than 20 million household depositors whose money constitutes the bulk of the banks’ capital used to fund their loans.
Despite their dependence on household deposits for their funds, banks have not provided enough to compensate their customers. In fact, they even cut deposit interest rates to gain more revenues for the benefit of their investors who will be receiving soaring first-half dividends, and executives who will be taking home lucrative bonuses and incentives at the end of the year.
Deposits market competition died down in the last 18 months. According to Canstar, a financial services research firm, a $25,000 deposit could only earn 3.9 per cent interest in one year, the highest rate in the market today. Westpac and ANZ even offer rates for as low as 2.5 per cent.
The New Daily reported that the absence of strong pricing competition on deposits among banks in order to attract customers appears to indicate connivance between the lenders. If banks are really bent on dispensing balanced interests and services to both depositors and investors, they should give returns and incentives on customers’ deposits, which make up a substantial portion of bank profits.
Read More Articles About the Latest in Australian Banking
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Joe Hockey Confirms Plans to Raise Pension Age to 70
Treasurer Joe Hockey announced that pension age will be raised to 70 in 2035.
He clarified that the changes in pension age would become effective only in 21 years’ time and no one who is currently receiving pension would be affected by the reform, according to The New Daily.
Under the new policy, those born after 1965 have to work until they reached 70 before they could avail of pension benefits. The former Labor government previously introduced changes to the pension age by raising retirement age to 67 by 2023. The planned reform ensures the gradual increase of retirement until 2035.
The Australian reported the shift to a higher pension age is steeper than the one proposed by the National Commission of Audit, which suggested that retirement be raised to 70 by 2053. The Commission also wanted a gradual increase so that individuals aged 65 could avail of the benefits once they reached 77 per cent of their life expectancy.
Details on the changes have not been disclosed but it is believed that the Abbott government would implement the changes in several years similar to the move taken by the opposition Labor.
Hockey clarified that the government would not be presenting an austerity budget in his first major federal budget speech in May. He stated that what they would deliver is a prudent budget designed to prepare Australia for the ramifications of an ageing population. He also mentioned that the government intends to deliver a sustainable age pension system that guarantees a reasonable quality of life.
In his speech before the Australia-Israel Chamber of Commerce, Hockey told his audience that the proposed budget will promote a culture of enterprise instead of a culture of entitlement. He explained that assistance should be given only to those who really deserve them.
The Treasurer discussed that the government should only step in when the private sector could not provide the needed services at reasonable prices. He regrets the prevailing view that no one questions the reality in the private sector that the user pays for services but a different attitude appears to apply to the government.
He explained that taxpayers pay for government services rendered to the public, which should not be considered as free; hence, beneficiaries of government services should also contribute in some ways to the government coffers.
The stance taken by the government could be attributed to its desire to foster economic sustainability in the future. It is projected that the gross debt per Australian is set to increase to $25,000 by June 2024, up from $13,000 per person. Paying for the interests alone on these debts by 2024 would require $34 billion. Raising the pension age to 70 ensures longer productive years for its citizens.
Read Articles About Retirement and Superannuation
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