Podcasts about reserve bank

Is cash really still King? For years, more stores are no longer accepting cash as payment and it’s easy to see why, with 94% of transactions in 2024 being digital. They’re also not obligated to either. In 2023, the Reserve Bank of New Zealand found cash usage for everyday purchases had decreased from 95.8% in 2019 -- to 57.2% that year. Apparently just 8% of New Zealanders were regular or daily cash users. But today, the Reserve Bank’s opened public consultation on a proposal that would force banks to set up hundreds, if not thousands, of additional ATMs and branches to make sure people have access to cash. Today on The Front Page, NZ Herald Wellington business editor Jenée Tibshraeny joins us to discuss why cash might be here to stay. Follow The Front Page on iHeartRadio, Apple Podcasts, Spotify or wherever you get your podcasts. You can read more about this and other stories in the New Zealand Herald, online at nzherald.co.nz, or tune in to news bulletins across the NZME network. Host: Chelsea DanielsEditor/Producer: Richard MartinProducer: Jane YeeSee omnystudio.com/listener for privacy information.

A war of words between the banking sector and its regulator over how much New Zealanders want cash. The Reserve Bank's proposing opening more branches and hubs to provide cash services, costing the sector $104 million a year. It says cash continues to play an essential role for small businesses and communities. But Banking Association Chief Executive Roger Beaumont told Mike Hosking customers are moving towards digital payment methods. He says they're using apps or online banking, rather than going to punch in a pin at an ATM to buy an icecream from the dairy. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Reserve Bank's emphasising the importance of cash services being free-of-charge. It's proposed requiring the banking sector to provide accessible full-cash services across the country - at $104 million a year. The plan ensures those in urban areas can walk to get cash, and the drive for those living rurally is reasonable. Money and Cash Director Ian Woolford says people don't expect to pay to deposit or withdraw cash. "Communities need easier access to cash, closer to home...what we've learned, partly, from those cash trials is that this is what communities need." LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand won't be going cashless anytime soon under the Reserve Bank's new proposal. It wants to set up 1300 multi-bank hubs to provide full services free of charge. The plan ensures those in urban areas can walk to get cash - and the drive for those living rurally is reasonable. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Wednesday, 25 February, 2026, we talk to Transport Minister Chris Bishop about plans to let E-scooters use cycle lanes and allow children under-12 to ride their bikes on the footpath. Why the Reserve Bank wants banks to set up more ATMs and branches. Real Estate agent Rawdon Christie tells us why so many newly built townhouses aren't selling. And on The Huddle, Thomas Scrimgeour and Jack Tame assess Donald Trump's record one hour 47-minute State of the Union speech. Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Australian home owners could face another interest rate rise within weeks after inflation figures from January came in hotter than expected.Headline inflation stayed unchanged from December, but the Reserve Bank's preferred measure ticked up slightly, and remains stubbornly high.Economists are tipping the bank could hike rates in May, putting more pressure on the government to ease the cost of living in the federal budget.Two men have been charged over the alleged kidnapping and murder of Sydney grandfather Chris Baghsarian.The 85-year-old was abducted from his home in North Ryde earlier this month and police believe it's a case of mistaken identity.The charges come soon after police discovered human remains belonging to the elderly man near a golf club in Pitt Town.The federal government's offering to evacuate the families of Australian diplomats and officials from some of its middle east missions, amid fears the US is preparing for strikes on Iran.The US has been sending war ships to the middle east and is threatening to attack the Iranian regime if it doesn't agree to a deal which aims to stop it producing nuclear weapons.The federal government's also telling Australians in Israel and Lebanon to consider leaving now, while there are still commercial flights available.A man has died, and a woman has been taken to hospital, after she jumped from a third-storey window during a unit fire in Sydney's west.25 people were evacuated from the building, and investigations into the incident are now underway.Queensland Police are investigating an alleged bomb threat against a Gold Coast theatre hosting a classical Chinese dance group, that's been subject to several threats including one against the Australian Prime Minister.The Shen Yun performance group, is linked to the Falun Gong spiritual movement and is banned in China.It's due to hold several concerts in Australia over the coming month.The PM was evacuated from his residence at the Lodge due to a bomb threat after an email was sent to Shen Yun's local organisers falsely claiming explosives had been placed around the property.

Pencil in May 5 in your diary because that's the day markets now say the Reserve Bank will raise interest rates. Plus, Woolworths shares shot the lights out to their highest in almost 18 months after profit and sales growth beat forecasts.See omnystudio.com/listener for privacy information.

The Reserve Bank's emphasising the importance of cash services being free-of-charge. It's proposed requiring the banking sector to provide accessible full-cash services across the country - at $104 million a year. The plan ensures those in urban areas can walk to get cash, and the drive for those living rurally is reasonable. Money and Cash Director Ian Woolford says people don't expect to pay to deposit or withdraw cash. "Communities need easier access to cash, closer to home...what we've learned, partly, from those cash trials is that this is what communities need." LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand won't be going cashless anytime soon under the Reserve Bank's new proposal. It wants to set up 1300 multi-bank hubs to provide full services free of charge. The plan ensures those in urban areas can walk to get cash - and the drive for those living rurally is reasonable. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Pressure is on the federal government to find ways to ease the cost of living as Australians face the reality of an another potential interest rate hike, possibly in May.Federal Treasurer Jim Chalmers says the May budget will feature more savings, but he's not saying which areas will be cut.Hotter than expected inflation figures have raised the prospect of the Reserve Bank opting to push up the cash rate, hitting mortgage holders.The Australian Bureau of Statistics says the largest contributor to annual inflation in January was the high cost of housing.The Australian Government is telling Australians in Israel and Lebanon to consider leaving now, as the prospect of military conflict between Iran and the US looms.The government's also offering to evacuate the families of officials in its embassies in Israel, Lebanon, Jordan, Qatar and the United Arab Emirates.The US has been putting pressure on the Iranian regime following its violent crackdown on protesters.The Trump Administration has sent warships to the region and wants Iran to agree to a deal to stop it developing nuclear weapons.Two men will face court today after being charged over the alleged abduction and murder of Sydney grandfather Chris Baghsarian.The 85-year-old was abducted from his home in North Ryde earlier this month in what police suspect was a case of mistaken identity.

The federal treasurer says tackling inflation will be a key consideration of his government's budget in May, as it faces pressure over the potential of another rate hike.The latest inflation figures are hotter than expected and above what the Reserve Bank wants.The Albanese Government's copping criticism from the opposition for spending too much, which it says is fuelling inflation.The United States has issued a new wave of sanctions against Iran as tensions between the two countries continue to escalate.Another round of high-level talks are due in Geneva while US President Donald Trump threatens to strike Iran if it doesn't agree to a deal on its nuclear programme.This comes as the Australian Government urges people to leave Israel and Lebanon, while offering the families of diplomats in the middle east evacuation, ahead of a potential conflict breaking out.Results from a preliminary research report have been revealed, looking at the causes of South Australia's harmful algal bloom that devastated marine industries and saw dead sea animals washed up on beaches.A few converging causes have been highlighted including the extra nutrient load from Murray River floods, cold water upwellings, and a marine heatwave.While the crisis has eased for now there's still elevated levels of the harmful algae in some places.

On the Matt Heath and Tyler Adams Afternoons Full Show Podcast for the 25th of February 2026, we discuss reactions to a proposal from the Reserve Bank that would make banks set up more than a thousand new ATMs or cash services sites. Then, this year's BAFTA Film Awards are at the centre of controversy after airing a racial slur from a man with Tourette's syndrome. And to finish - finding your talent over your passion. Get the Matt Heath and Tyler Adams Afternoons Podcast every weekday afternoon on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

ASB Senior Economist Chris Tennent-Brown joins host Nigel Grant to break down what the latest decision on OCR signals about future interest rates, why mortgage and term deposit rates have already started lifting, and what a more patient Reserve Bank means for housing, savings and the wider economy. Plus, why “be careful what you wish for” is still the best advice when it comes to lower rates.

Subscribe to the new Macro Musings YouTube Channel! Raghuram Rajan is a finance professor at the University of Chicago and leads the Group of 30. Previously he was the chief economist at the IMF and the governor of the Reserve Bank of India. In Raghuram's first appearance on the show, he discusses his famous 2005 Jackson Hole speech, how he righted the ship on India's emerging economy, the consequences of zero-sum thinking, the differences between being a policymaker and an academic, the ratcheting effect of QE on the Fed's balance sheet, and much more. Check out the transcript for this week's episode, now with links. Recorded on January 20th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:01:58 - Raghu's Career 00:22:20 - Policymaker Versus Academic 00:29:00 - Ratcheting Effect of Quantitative Easing 01:01:06 - Outro

This evening we dive into the latest market movements with Makwe Fund Managers, we look at Sasol's latest results, we hear from Dr Roelof Botha on a recent study zoning in on the Reserve Bank's MPC, we speak to Gibs about what the US Supreme Court's decision means for global trade, Ninety One discusses SA's current infrastructure landscape, and we explore the difference between Cell C and Telkom's strategies with Anchor Capital. SAfm Market Update - Podcasts and live stream

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Share prices fall hard after Donald Trump's tariff defeat, the impact of the US Supreme Court rejection of Trump's tariffs. Plus, this Wednesday's inflation figure is the last clue before the Reserve Bank makes its next interest rate decision.See omnystudio.com/listener for privacy information.

More information on our 90 day business planning program: https://nextadvisory.nz/90-day-business-planning/The Reserve Bank held the OCR at 2.25%, and everyone's looking for relief. But the reality is the external conditions won't save your business, your actions will.Luke and Phil break down why waiting for perfect interest rates, inflation numbers, or economic conditions is a losing strategy. We cover why business is supposed to be hard, the friction between economists and the Reserve Bank, and why some businesses are thriving while others are stuck waiting for someone else to fix their problems.When are we going to learn that the external is created from the internal? You're going to have to go and do the work first. Stop looking for magic solutions.The businesses winning right now aren't waiting for rate cuts, they're executing their strategies regardless of economic conditions.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

Send Us A Message! Let us know what you think.Is the property market officially shifting gears?In this episode of The Week in Review, Debbie Roberts unpacks a massive week of contradictory but exciting real estate news. We dive into a sudden surge in tourism and migration that has the broader economy starting to hum, and discuss why the Reserve Bank holding the OCR steady at 2.25% cements a "higher for longer" interest rate environment.We also cover a massive win for first-home buyers as ASB joins the Kāinga Ora 5% deposit scheme with a unique lending advantage, plus a look at why the government just slashed Auckland's long-term housing targets by 400,000 homes.Key Topics Covered:Migration & Tourism: How the late-2025 rebound is setting the stage for a housing revival.First Home Buyers: Why ASB's entry into the 5% deposit scheme—and their acceptance of two boarders' income—could boost your buying power.Interest Rates: What the OCR pause at 2.25% means for your fixed-rate mortgage strategy.Auckland Zoning: The government's U-turn on Plan Change 120 and what it means for character neighbourhoods.Market Data: Cotality's February update showing flat property values and a welcome drop in rents.

Welcome to this week's Friday Wealth Coffee Chats with Sarah Shome from the lending and finance team.While most borrowers are focused on the recent 0.25% rate rise from the Reserve Bank of Australia, there's another major shift happening behind the scenes — and it could have an even bigger impact on your borrowing power.This month, APRA activated a 20% cap on high debt-to-income (DTI) lending for deposit-taking institutions. In simple terms, banks can now only allocate one in five loans to borrowers whose total debt exceeds six times their income.In this episode, we break down:What the recent rate rise actually means in real dollar termsWhy investor rates are now comfortably in the sixesHow banks assess serviceability using higher stress-test buffersWhat DTI (Debt-to-Income ratio) really is — and how to calculate yoursWhy property investors and multi-property owners may feel the biggest impactHow borrowing is now being “rationed” across lendersWe also explore alternative lending pathways, including non-bank lenders like Pepper Money, Liberty Financial, and Firstmac, which are not subject to the same DTI caps — though they may come at a premium.Plus, we discuss:Why new construction builds are exempt from the DTI capHow unused credit cards and small debts can significantly hurt your borrowing powerWhy refinancing may now be more complexThe key questions you should be asking your broker right nowWith persistent inflation still a concern, these lending rules may be here for a while. That means strategy matters more than ever. It's no longer just about finding the best investment — it's about structuring your lending correctly so you can continue to grow within the new limits.If you're planning to refinance, invest, or expand your portfolio, this is a must-listen episode to stay ahead of the changing lending landscape.Enjoy the episode — and have a great weekend.

The new Reserve Bank governor says the economy is starting to recover, but it might take time for people to feel it. In her first monetary policy statement, Dr Anna Breman has held interest rates at 2.25 percent. Corin Dann spoke to her shortly after the decision.

A very happy Zoi Sadowski-Synnott joined us after becoming the most decorated Olympic snowboarder in the world; Corin Dann spoke with Reserve Bank governor Dr Anna Breman following her first official cash rate decision; We're hearing more about landslides - as extreme weather conditions become more common. We found out more about the risks they pose to communities; SKY TV may have to curb more than its enthusiasm after HBO's decision to end its content deal with the platform and launch its own service. We spoke to Duncan Grieve about what it could mean for consumers; And we spoke to the founder of a Wellington based start up that's going nuclear.

The OCR has stayed at 2.25%. No surprise there.But in this episode, Ed and Andrew explain why what the Reserve Bank said matters more than what it did – and what that means for your mortgage, your strategy, and house prices.You'll learn:What the latest OCR decision really signals about the direction of interest ratesWhy inflation is still sitting above 3% What to expect for mortgage rates over the next 6, 12, and 24 monthsIf you've got a mortgage or you're planning to get one, this episode gives you a clear roadmap for what's likely ahead and how to position yourself accordingly.

Our new Reserve Bank Governor says she has full confidence in the people making OCR decisions. The Monetary Policy Committee, chaired by Anna Breman, has decided to keep the OCR unchanged at 2.25% for now. It says while inflation is above the target band, the economy still needs some time to recover. Breman told Mike Hosking the committee will make the best decisions it can, based on the data and forecasts it has access to at the time. She says something might look obvious in retrospect, but they're dealing with lots of global shocks constantly hitting the New Zealand economy. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Reserve Bank's kept the OCR unchanged at 2.25% and isn't forecasting any change until the end of the year. Governor Anna Breman says inflation should be back within target this quarter. She says the economy fundamentals are consistent with inflation falling to, and remaining at, 2% over the medium term. Infometrics Principal Economist Brad Olsen told Mike Hosking the Governor is playing with a pretty straight bat. He says it's a tricky balance, as the economy doesn't quite feel like it has recovery momentum, and they don't want to cut that off at the knees by spooking anyone, but they do have to be focused on inflation. LISTEN ABOVE See omnystudio.com/listener for privacy information.

We've had the first monetary policy decision from the new Reserve Bank Governor, and it's not until you get a new captain at the helm that you realise just how little confidence you had left in the previous one. Now, to be fair, it's early days for Anna Breman. We'll judge her by what she does from here on in. But she does start with a clean slate - without us reading too much into her decisions or second-guessing every move because of a poor track record. And that, I'd say, is a very welcome change from just a few weeks ago before she took over. Her assessment is that inflation is fine. Yes, it's a little high right now - 3.1 percent, outside the target band - but it's expected to fall back within the band by this time next year. The economy is improving. The green shoots that were previously limited to certain regions and industries are becoming more widespread. Households are getting more money in their pockets, but they're still cautious - and that's a problem. Because unless they're confident enough to spend, they'll hold back the economic recovery from what it could potentially be. But - and this is probably the bit you've been most interested in, and waiting for - they will start raising the OCR faster than expected. Previously, the Official Cash Rate projection had it going from 2.2 percent in March to 2.3 percent in December. That's now been brought forward: they're forecasting 2.3 percent in June and 2.4 percent in December. The first increase will still most likely be in December, but the chances of it happening in September just increased. It's not a major concern. It's not a major correction. It's not a game-changer for most people. But it does bring the inevitable a little closer. Still - for now - it's nice to have a change at the top, isn't it? And here's hoping this Governor does a better job than the last one. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Send us a question/idea/opinion direct via text message!In this episode Nick and Kelvin discuss the Reserve Bank of New Zealand's decision to hold the official cash rate at 2.25%.  They analyse the economic forecasts, including GDP growth and inflation expectations, and explore the implications for the housing market. The conversation highlights the balance between caution and optimism in the current economic climate, with a focus on upcoming economic indicators and their potential impact on monetary policy.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

The Reserve Bank says inflation's too high, but it's actually worried it could soon end up too low. It's kept the OCR unchanged at 2.25 percent. New Governor Anna Breman says they're not happy with headline inflation surpassing the one-to-three percent target band last quarter. But she says underlying core-inflation is much lower, and wage growth slow. She explained that unless the economy rebounds, they think inflation might actually fall below the target. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The new Reserve Bank Governor will deliver her first Monetary Policy Statement today. The central bank's expected to keep the OCR unchanged at 2.25%. It's likely to show when inflation should start easing, and when the economy should recover from last year's downturn. BNZ Chief Economist Mike Jones told Mike Hosking today's announcement will likely see them swap out the mild easing bias the bank had in November and replace it with a mild tightening bias. He says they believe the Reserve Bank will probably want to signal a hike by around December this year. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Dr Roelof Botha, Economic Adviser at Optimum Investment Group, about the Reserve Bank’s plan to scrap the prime rate and rename the repo rate as the main lending benchmark. The move aims to modernise interest rate policy and improve transparency for loans. Analysts warn the transition could affect borrowers and banks, requiring careful management to avoid disruption. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Bafundi Maronoti – Senior Manager: Market Operations and Analysis, SARB SAfm Market Update - Podcasts and live stream

It's the official cash rate week. And, while not a lot is expected to happen to the rate itself, attention is going on what the Reserve Bank's new governor might have to say about it. Money correspondent Susan Edmunds spoke to Corin Dann.

Send us a question/idea/opinion direct via text message!This week Nick and Kelvin discuss the current state of the economy, focusing on monetary policy, net migration trends, and lending data. They analyse the implications of the Reserve Bank's upcoming monetary policy statement and the recent Cotality Pain and Gain report for Q4 2025, which highlights the profitability of property resales.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

Neale, Liam and Kathryn discuss recent events in politics including Finance Minister Nicola Willis' announcement into an independent review of the Reserve Bank's monetary policy decisions made during the Covid-19 pandemic. Neale Jones was Chief of Staff to Labour Leader Jacinda Ardern, and prior to that was Chief of Staff to Andrew Little. He is the director of public affairs firm Capital. Liam Hehir is a Palmerston North lawyer, political commentator and a National Party member.Go to this episode on rnz.co.nz for more details

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Minister Karen Chhour has confirmed she's asked officials for a formal explanation over cultural leave being offered to Māori public servants. Senior political correspondentBarry Soper joins Heather todiscuss. Plus, it's been revealed Winston Peters did not ask for advice surrounding the new Reserve Bank Governor involving herself in US politics, despite suggesting she ask for advice. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the eve of his retirement as president and chief executive officer of the Atlanta Fed, Raphael Bostic has much to look back on with pride and satisfaction. Bostic joins the Economy Matters podcast to reflect on his work at the Reserve Bank.

In this episode of The Pure Property Podcast, co-hosts Paul Glossop and Phil Tarrant discuss the economic forces shaping Australia's property market and what they mean for investors. Glossop outlines how unexpected inflation data has prompted the Reserve Bank of Australia to reconsider its rate path, fuelling speculation about future interest rate movements. The hosts note a divide among major banks: some forecast stability, while Westpac anticipates further hikes, adding to market uncertainty. Drawing on insights from Chris Joye of Coolabah Capital, the episode highlights how shifting economic data has challenged earlier forecasts and reinforced the need for investors to remain adaptable. The conversation also examines debates about persistent inflation, including criticisms that government spending and subsidies contribute to it. Glossop stresses that investors should focus on fundamentals and adopt disciplined strategies to navigate these headwinds. Potential policy changes, such as adjustments to the capital gains tax (CGT) discount, are flagged as risks that could dampen market liquidity by encouraging investors to hold properties longer. Despite these pressures, strong housing demand, structural undersupply, and strategic planning continue to support long-term opportunities for property investors.

The government has announced a surprise review of the Reserve Bank's actions during the Covid-19 pandemic - and it's due to land just months out from the election. Opposition parties say it is a politically motivated hit-job - but ministers from across the coalition say it's simply about learning from past mistakes. Acting political editor Craig McCulloch spoke to Lisa Owen.

The opposition is questioning the timing of the government's independent review into New Zealand's monetary policy response to the Covid-19 pandemic. Former Reserve Bank economist Michael Reddell spoke to Corin Dann.

The government announced a review into the Reserve Bank's pandemic policies, saying it's necessary to make sure mistakes aren't repeated. Giles Dexter reports.

Join Angus Gidley-Baird and Ben Picton as they review the Reserve Bank of Australia's February decision. Are we headed for more rate hikes in 2026? And what factors could influence the RBA to hike or hold?   Disclaimer: Please refer to our global RaboResearch disclaimer at https://www.rabobank.com/knowledge/disclaimer/011417027/disclaimer for information about the scope and limitations of the material published on the podcast. 

A Government inquiry into the Reserve Bank's decisions through the Covid era could have come far sooner. The bank printed $55 billion worth of digital money, costing taxpayers more than $10 billion. The review's findings will be released just weeks before the election – a move that's cast speculation of an underlying political motive by the Finance Minister. Former Reserve Bank senior staffer Geof Mortlock told Mike Hosking the Government's taken too long to get on with it. He says he's been advocating for it, including to Nicola Willis, for at least two years, so it's well overdue. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The Finance Minister's rejecting an accusation it's using Covid as an election tactic. Nicola Willis announced an independent review this year of the monetary policy the Reserve Bank delivered during the pandemic. It'll be released just weeks before the election, and Labour's Chris Hipkins claims the Government's aiming to revive pandemic conspiracies. Willis told Mike Hosking she suspects it wouldn't have mattered what the timing is, the reaction would've been the same – their political opponents saying they shouldn't be asking these questions. But she says when the Reserve Bank did its own review, the results showed there hasn't been enough examination into their decisions. The Finance Minister is also insisting she's keeping an eye on the banking space as ASB reports higher margins. The bank saw modest growth in the second half of last year, reporting a net profit of $765 million. Its net interest margins ticked up six basis points to 2.35%. Willis says told Hosking more people are already looking for better banking deals, and she's working to improve competition. She says she's comparing our regime internationally, especially with the banks' Australian counterparts, and looking at whether we're getting our settings right. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Finance Minister Nicola Willis announced a surprise inquiry into the actions of the Reserve Bank during the Covid-19 pandemic with a stated purpose to identify any lessons that could be learned to improve the monetary policy response to future major events. Adrian Orr was the Reserve Bank governor from 2018 until his resignation last year. Former Reserve Bank governor Michael Reddell welcomes the inquiry but believes the actions of the Reserve Bank were not malicious. "It wasn't political, it wasn't intentioned to generate high inflation. It was just badly misreading the economy," he told Heather du Plessis-Allan. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Chris Minns defends the actions of NSW Police, Melissa McIntosh leaves door open to future resignation amid ongoing leadership speculation. Plus, Labor and Reserve Bank of Australia blamed by voters as anger over interest rates grows.See omnystudio.com/listener for privacy information.

In this episode of our monthly finance chat, we spoke with financial advisor Bishwas Bhattarai, who discusses how the Reserve Bank's interest rate rise to 3.85 per cent might affect mortgage holders, its impact on the housing market, things you should know about capital gains tax and popular suburbs for buying and investing. - रिजर्भ ब्याङ्कको यस वर्षको पहिलो बैठकले ब्याज दर बढाउने निर्णय गरेको छ। ३.६ प्रतिशत रहँदै आएको ब्याजदर बढेर ३.८५ प्रतिशत पुर्‍याइएको हो। यस महिनाको आर्थिक कुराकानीमा ‘मोर्गेज होल्डर'हरूलाई ब्याज दर वृद्धिले गर्ने असर, क्यापिटल गेन्स ट्याक्स र घर किन्न वा लगानी गर्न फाइदाजनक सबर्बहरू लगायतका विषयमा आर्थिक सल्लाहकार विश्वास भट्टराईसँग गरिएको कुराकानी सुन्नुहोस्।

Topics:In this episode of 'The Iron Fist and the Velvet Glove,' the hosts delve into recent political, economic, and social topics. They kick off with Australian politics, discussing the potential changes to the capital gains tax and inflation rates, followed by debates on the Reserve Bank's role in interest rates. The discussion shifts to political polls, coalition dynamics, and key figures in the Liberal Party. The hosts then critique Queensland's proposed hate speech laws and their potential implications. The episode proceeds with an analysis of the controversial visit of Israeli President Herzog to Australia, touching on the influence of the Zionist lobby. The conversation also covers the Epstein saga, media ownership by billionaires, and the implications of Trump's proposed election reforms. Lastly, the hosts examine the accuracy of reported figures on Iranian protests and discuss the complexities of verifying information in such contexts.00:00 Introduction and Welcome01:22 Australian Politics: Capital Gains Tax and Inflation07:29 The Reserve Bank and Interest Rates Debate16:03 Political Polls and Coalition Dynamics27:26 Queensland Hate Speech Laws34:14 Israeli President Herzog's Visit35:42 Israeli President Herzog's Controversial Visit37:33 The Influence of the Zionist Lobby41:19 Epstein Saga and Conspiracy Theories42:13 Epstein Saga and Media Ownership46:18 Trump's America and Election Controversies48:20 Trump's America and Election Integrity54:06 Iranian Protests and Media Credibility01:03:24 Iranian Protests and Media Credibility01:20:52 Concluding Thoughts and Sign-OffTo financially support the Podcast you can make:a per-episode donation via Patreon or one-off donation via credit card; orone-off or regular donations via Paypal orif you are into Cryptocurrency you can send Satoshis. We Livestream every Monday night at 7:30 pm Brisbane time. Follow us on Facebook or YouTube. Watch us live and join the discussion in the chat room.We have a website. www.ironfistvelvetglove.com.auYou can email us. The address is trevor@ironfistvelvetglove.com.au

After the Reserve Bank's first rate hike in more than two years, Guardian Australia's political editor, Tom McIlroy, speaks to the economics editor, Patrick Commins, and Lea Jurkovic, the economics correspondent at the Australian Financial Review, about the indicators that informed the central bank's decision this week. They also discuss the ongoing vulnerabilities in the economy, the missed opportunities when the RBA doesn't comment on government spending and the maturity lacking in the political debate about interest rates

Our Global Head of Macro Strategy Matthew Hornbach and Chief U.S. Economist Michael Gapen discuss the path for U.S. interest rates after the nomination of Kevin Warsh for next Fed chair.Read more insights from Morgan Stanley.----- Transcript -----Matthew Hornbach: Welcome to Thoughts on the Market. I'm Matthew Hornbach, Global Head of Macro Strategy. Michael Gapen: And I'm Michael Gapen, Morgan Stanley's Chief U.S. Economist. Matthew Hornbach: Today we'll be talking about the Federal Open Market Committee meeting that occurred last week.It's Thursday, February 5th at 8:30 am in New York.So, Mike, last week we had the first Federal Open Market Committee meeting of 2026. What were your general impressions from the meeting? And how did it compare to what you had thought going in? Michael Gapen: Well, Matt, I think that the main question for markets was how hawkish a hold or how dovish a hold would this be. As you know, it was widely expected the Fed would be on hold. The incoming data had been fairly solid. Inflation wasn't all that concerning, and most of the employment data suggested things had stabilized. So, it was clear they were going to pause. The question was would they pause or would they be on pause, right? And in our view, it was more of a dovish hold. And by that, it suggests to us, or they suggested to us, I should say, that they still have an easing bias and rates should generally move lower over time. So, that really was the key takeaway for me. Would they signal a prolonged pause and perhaps suggest that they might be done with the easing cycle? Or would they say, yes, we've stopped for now, but we still expect to cut rates later? Perhaps when inflation comes down and therefore kind of retain a dovish bias or an easing bias in the policy rate path. So, to me, that was the main takeaway. Matthew Hornbach: Of course, as we all know, there are supposed to be some personnel changes on the committee this year. And Chair Powell was asked several questions to try to get at the future of this committee and what he himself was going to do personally. What was your impression of his response and what were the takeaways from that part of the press conference? Michael Gapen: Well, clearly, he's been reluctant to, say, pre-announce what he may do when his term is chair ends in May. But his term as a governor extends into 2028. So, he has options. He could leave normally that's what happens. But he could also stay and he's never really made his intentions clear on that part. I think for maybe personal or professional reasons. But he has his own; he has his own reasons and, and that's fine. And I do think the recent subpoena by the DOJ has changed the calculus in that. At least my own view is that it makes it more likely that he stays around. It may be easier for him to act in response to that subpoena by being on staff. It's a request for additional information; he needs access to that information. I think you could construct a reasonable scenario under which, ‘Well, I have to see this through, therefore, I may stay around.' But maybe he hasn't come to that conclusion yet. And then stepping back, that just complicates the whole picture in the sense that we now know the administration has put forward Kevin Warsh as the new Fed chair. Will he be replacing the seat that Jay Powell currently sits in? Will he be replacing the seat that Stephen Myron is sitting in? So yes, we have a new name being put forward, but it's not exactly clear where that slot will be; and what the composition of the committee will look like. Matthew Hornbach: Well, you beat me to the punch on mentioning Kevin Warsh… Michael Gapen: I kind of assumed that's where you were going. Matthew Hornbach: It was going to be my next question. I'm curious as to what you think that means for Fed policy later this year, if anything. And what it might mean more medium term? Michael Gapen: Yeah. Well, first of all, congratulations to Mr. Warsh on the appointment. In terms of what we think it means for the outlook for the Fed's reaction function and interest rate policy, we doubt that there will be a material change in the Fed's reaction function. His previous public remarks don't suggest his views on interest rate policy are substantively outside the mainstream, or at least certainly the collective that's already in the FOMC. Some people would prefer not to ease. The majority of the committee still sees a couple more rate cuts ahead of them. Warsh is generally aligned with that, given his public remarks. But then also all the reserve bank presidents have been renominated. There's an ongoing Supreme Court case about the ability of the administration to fire Lisa Cook. If that is not successful, then Kevin Warsh will arrive in an FOMC where there's 16 other people who all get a say. So, the chair's primary responsibility is to build a consensus; to herd the cats, so to speak. To communicate to markets and communicate to the public. So, if Mr. Warsh wanted to deviate substantially from where the committee was, he would have to build a consensus to do that. So, we think, at least in the near term, the reaction function won't change. It'll be driven by the data, whether the labor market holds up, whether inflation, decelerates as expected. So, we don't look for material change. Now you also asked about the medium term. I do think where his views differ, at least with respect to current Fed policy is on the size of the Fed's balance sheet and its footprint in financial markets. So, he has argued over time for a much smaller balance sheet. He's called the Fed's balance sheet bloated. He has said that it creates distortions in markets, which mean interest rates could be higher than they otherwise would be. And so, I think if there is a substantive change in Fed policy going forward, it could be there on the balance sheet. But what I would just say on that is it'll likely take a lot of coordination with Treasury. It will likely take changes in rules, regulations, the supervisory landscape. Because if you want to reduce the balance sheet further without creating volatility in financial markets, you have to find a way to reduce bank demand for it. So, this will take time, it'll take study, it'll take patience. I wouldn't look for big material changes right out of the box. So Matt, what I'd like to do is, if I could flip it back to you, Warsh was certainly one of the expected candidates, right? So, his name is not a surprise. But as we knew financial markets, one day we're thinking it'd be one candidate. The next day it'd be thinking at the next it was somebody else. How did you see markets reacting to the announcement of Mr. Warsh? For the next Fed share, and then maybe put that in context of where markets were coming out of the last FOMC meeting. Matthew Hornbach: Yeah, so the markets that moved the most were not the traditional, very large macro markets like the interest rate marketplace or the foreign exchange market. The markets that moved the most were the prediction markets. These newer markets that offer investors the ability to wager on different outcomes for a whole variety of events around the world. But when it comes to the implications of a Kevin Warsh led Fed – for the bigger macro markets like interest rates and currencies, the question really comes down to how? If the Fed's balance sheet policies are going to take a while to implement, those are not going to have an immediate effect, at least not an effect that is easily seen with the human eye. But it's other types of policy change in terms of his communication policy, for example. One of the points that you raised in your recent note, Mike, was how Kevin Warsh favored less communication than perhaps some of the recent, Federal Open Market Committees had with the public. And so, if there is some kind of a retrenchment from the type of over-communication to the marketplace, from either committee members or non-voters that could create a bit more volatility in the marketplace. Of course, the Fed has been one of the central banks that does not like to surprise the markets in terms of its monetary policy making. And so, that contrasts with other central banks in the G10. For example, the Swiss National Bank tends to surprise quite a lot. The Reserve Bank of Australia tends to surprise markets. More often, certainly than the Fed does. So, to the extent that there's some change in communication strategy going forward that could lead to more volatile interest rate in currency markets. And that then could cause investors to demand more risk premium to invest in those markets. If you previously were comfortable owning a longer duration Treasury security because you felt very comfortable with the future path of Fed policy, then a Kevin Warsh led Fed – if it decides to change the communication strategy – could naturally lead investors to demand more risk premium in their investments. And that, of course, would lead to a steeper U.S. Treasury curve, all else equal. So that would be one of the main effects that I could see happen in markets as a result of some potential changes that the Fed may consider going forward. So, Mike, with that said, this was the first FOMC meeting of the year, and the next meeting arrives in March. I guess we'll just have to wait between now and then to see if the Fed is on hold for a longer period of time or whether or not the data convinced them to move as soon as the March meeting. Thanks for taking time to talk, Mike. Michael Gapen: Great speaking with you, Matt. Matthew Hornbach: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.