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People too afraid to make any other moves in the current environment read: large percentage of the population, even if they are small figures - they add up. Yeah but it's all relative. They make their margin whether rates are high or low. I don't expect the banks to lay down and play dead...

I don't begrudge the banks their profits, good on em! But does anyone else think it's weird they independently dropped rates by .20% because 'international funding markets had eased', yet only 2 weeks later (or less) clawed some back again by not passing on the full RBA cut of .75%?