Current annual interest cost
$9,504,000
Pricing Simulator
Model rate decisions with live assumptions for balances, churn, campaign duration, deposit beta and conduct complexity.
Why this matters
Deposit pricing is a commercial, behavioural and governance decision. Product teams need to assess rate gaps, balance response, funding cost, cannibalisation, campaign duration and conduct risk before repricing.
Inputs and scenario controls
Select the customer context, choose a scenario baseline, then edit the commercial assumptions directly.
Scenario guidance
Select a scenario, then edit the assumptions directly. Every pricing metric and recommendation updates live, including competitor pressure, margin pressure, funding-cost implications and campaign-period cost.
Recommendation panel
Pricing action
Monitor
Stakeholders to involve
Product, Finance, Treasury, Risk and Compliance
Rationale
Competitor pressure is moderate, so monitor retention and test response before broad repricing. Final pricing decisions require Product, Finance, Treasury, Risk and Compliance review.
Risks to validate
Funding cost pressure, conduct clarity, cannibalisation and segment response.
Metrics to monitor
Balance growth, churn reduction, incremental cost, offer take-up and complaints.
Conduct risk
Medium
Complexity level
Medium
Final pricing decisions require Product, Finance, Treasury, Risk and Compliance review.
Proposed annual interest cost
$7,905,600
Incremental annual cost
-$1,598,400
Campaign-period incremental cost
-$799,200
Estimated acquired balances
$2,090,880
Estimated retained balances
$1,188,000
Rate gap vs market average
-0.15%
Rate gap vs highest competitor
-1.44%
Spread vs RBA cash rate
-0.69%
Pressure flags
Medium / Low
Competitor pressure / Margin pressure
Scenario comparison
Use the deterministic scenario set as a quick comparison view, then continue adjusting the custom assumptions above.
| Scenario | Proposed rate | Competitor pressure |
|---|---|---|
| Base case | 3.66% | Medium |
| Defensive rate increase | 3.91% | Low |
| Targeted promo | 5.15% | Low |
| Simplicity-led offer | 3.83% | Low |
| Custom scenario | 3.66% | Medium |