Banks are increasing their deposit rate while they decrease their lending rate?

Is this a sign of the banks are running low on their cash reserve = poor performance?

Or they just simply getting their cash reserve ready for more loans?
 
How making the big banks safer could cost you

looks like APRA might have started stepping in to control the lending. They have been talking about it since the end of 2013.

probably only ANZ has enough reserve as they dropped the rates straight after the interest rate announcement. NAB has just announced it would be raising 5.5billion through a rights issue, much like what happened during the GFC.
 
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