先日、ブログにオーストラリアの銀行の料金体系の複雑さに愚痴をこぼしていたら、Sydney Morning Heraldに以下の記事が掲載されていました。
思わず、”おまえもか、、、”と思ってしまいました。
特に、"I get a bit of a headache when I look at our fee list," って、
こっちの方が、頭を抱えているのですが、、、、
High bank fees don't pay, says Macquarie
Jessica Irvine
May 31, 2006
A CONSUMER backlash against higher fees could dent bank profits, analysts have warned.
Rejecting the logic that raising fees boosts revenues, Macquarie Research analysts warned yesterday that banks with high fees could lose deposit account customers and therefore revenues.
"Banks with higher transaction fees risk attracting fewer accounts on which they can assess fees," the analysts said in a note to clients.
Their warning follows the release of a Nielsen Media Research poll last week that revealed fees and charges were the number one reason customers cited for switching banks.
The Macquarie Bank analysis identified St George Bank and Westpac as most exposed to a fees backlash. Both have raised fees on foreign ATMs from $1.50 to $2.00 this year.
They cited a survey by the US Federal Reserve, which found that US banks that increased fees on deposit accounts raised immediate fee revenue but drove down deposit levels.
A 10 per cent increase in foreign ATM fees brought a 17 per cent jump in fee revenue, but deposit levels fell 18 per cent.
Similarly, a 10 per cent increase in per-item transaction fees lifted fee revenue 8 per cent but was more than offset by an 11 per cent drop in deposit levels.
"Thus while raising transaction fees may result in higher fee revenues, the resulting loss of deposits and subsequent net interest income is likely to be an offset to these gains," the Macquarie analysts concluded.
Outrage over fees has led some banks to rethink their fee structures. Many now offer an "all you can eat" transaction account for a fixed monthly sum.
The head of retail banking at National Australia Bank, Andrew Thorburn, last week denied fees were too high, but conceded the complexity of fees annoyed most people.
"I get a bit of a headache when I look at our fee list," Mr Thorburn admitted.
He said the bank was looking at ways to bundle fees to reduce complexity. "We've made it complicated and we have to fix it."
思わず、”おまえもか、、、”と思ってしまいました。
特に、"I get a bit of a headache when I look at our fee list," って、
こっちの方が、頭を抱えているのですが、、、、
High bank fees don't pay, says Macquarie
Jessica Irvine
May 31, 2006
A CONSUMER backlash against higher fees could dent bank profits, analysts have warned.
Rejecting the logic that raising fees boosts revenues, Macquarie Research analysts warned yesterday that banks with high fees could lose deposit account customers and therefore revenues.
"Banks with higher transaction fees risk attracting fewer accounts on which they can assess fees," the analysts said in a note to clients.
Their warning follows the release of a Nielsen Media Research poll last week that revealed fees and charges were the number one reason customers cited for switching banks.
The Macquarie Bank analysis identified St George Bank and Westpac as most exposed to a fees backlash. Both have raised fees on foreign ATMs from $1.50 to $2.00 this year.
They cited a survey by the US Federal Reserve, which found that US banks that increased fees on deposit accounts raised immediate fee revenue but drove down deposit levels.
A 10 per cent increase in foreign ATM fees brought a 17 per cent jump in fee revenue, but deposit levels fell 18 per cent.
Similarly, a 10 per cent increase in per-item transaction fees lifted fee revenue 8 per cent but was more than offset by an 11 per cent drop in deposit levels.
"Thus while raising transaction fees may result in higher fee revenues, the resulting loss of deposits and subsequent net interest income is likely to be an offset to these gains," the Macquarie analysts concluded.
Outrage over fees has led some banks to rethink their fee structures. Many now offer an "all you can eat" transaction account for a fixed monthly sum.
The head of retail banking at National Australia Bank, Andrew Thorburn, last week denied fees were too high, but conceded the complexity of fees annoyed most people.
"I get a bit of a headache when I look at our fee list," Mr Thorburn admitted.
He said the bank was looking at ways to bundle fees to reduce complexity. "We've made it complicated and we have to fix it."