Snapshot of Market Data



With limited available time, we have attempted to provide a quick overview with links to what we think is relevant and interesting data influencing liquidity. This is mainly extracted from external…

Read More

What is Cash ?



What is cash ? If that seems like a silly question, then consider this. In an effort to increase yields, many funds and asset managers have expanded their “cash” holdings to include…

Read More

How Free is “Free”



Commissions must have been introduced a few seconds after the big bang. It certainly seems as old as time itself, and is a fixture of life. Or is it. ? If anything came from the Banking Royal…

Read More

Australian banking over the last 30 years



This is a really interesting insight into Australian banking over the last few decades and highlights that all market corrections tend to swing back to the norm very quickly and that the public have…

Read More

Comparison of Ratings agencies



An overview of the ratings per ratings agency Credit ratings   Moody’s Standard & Poors Fitch Investment grade Strongest Aaa AAA AAA Aa AA AA A A A Baa BBB BBB…

Read More

Is the storm about to break ? When will bank customers change ?



In January 2017 I wrote this article after listening to a number of fintech’s views on how customers don’t like change. This was before the Banking Commission was a twinkle in the eye. It…

Read More

About the Deposit Market



A quick background on term deposits and interest rates in Australia. I promise, I will keep it short. There are more than 140 banks in Australia. Yes… It sounds crazy, but its true! Each bank…

Read More

Capital Decay



Investopedia defines Capital Decay as “ Capital decay is an economic term referring to the amount of revenue that is lost by a company due to obsolete technology or outdated business practices.…

Read More

How to source the optimal deposit interest rate easily and transparently.



Conflicting stories abound regarding the future of deposit and cash rates and combined with the plethora of bank deposit products, it is very challenging for organisations to find the correct…

Read More

Bank Funding (WIP)



Davis (2011) notes that residential loans made up close to 60 per cent of Australian banks’ total loan portfolios in 2009, but less than 40 per cent in the United States and Canada, and 15 per cent…

Read More

Corporate Cash Puzzle or Conundrum



How do business compute what is the optimal cash holdings ? I came across this fascinating research report (Why do Companies Hold Cash?,Gianni La Cava and Callan Windsor) that examines the question…

Read More