Financial Information
on 15/10/03Australian Rural & Agricultural Finance Pty.Ltd (A.R.A.F.)
Australian Rural & Agricultural Finance Pty.Ltd (A.R.A.F.) are a small rural financing company in Armidale NSW, which offers an alternative to traditional and established banking services.
The site offers information about the company, its rates, services, application forms and a brochure request form if you would like more information.
Services covered in the site include Agribanking, Agrifinance, Commercial finance, Cash flow finance, and Housing finance.
on 15/10/03Adelaide Bank
The Adelaide bank web site offers Online Banking for checking account and loan balances, transferring funds between bank accounts, transferring payments to credit card or loan accounts, viewing and print transaction records, export transaction details to personal financial management software, paying bills via BPAY, ordering cheque and deposit books and more.
The site also offers the “Rural Power" rural finance package which offers a host of features including information on farm management deposits and leasing and equipment finance. Under Rural Power, farmers essentially establish an equity line and have an all in one account. This means the funds borrowed are exactly matched to the requirements of the business. Within this account there is also the full range of transaction facilities including free online banking and no ongoing fees.
Information on the banks other services are also available through the site.
on 15/10/03ANZ
http://www.anz.com/default.asp
A site providing information on ANZ products and services. Internet Banking is available, allowing account balances to be viewed, funds transferred, investments monitored and BillPay bills paid by those registered for the Bank's phone banking service. The service operates in a new browser screen, with no additional software required. The "Small business solutions" section of the site provides information on business loan products (overdrafts, commercial bills etc), day-to-day and investment accounts and international services. The "Rural Solutions" section details and suggests rural finance options such as transaction accounts and savings and investment accounts. Financial management tools (e.g. to prepare a budget, calculate loan repayments and check out key ratios) are also available, as is price trend information on major rural commodities. Rural sponsorship and events information is also available kn this section. The "Corporate solutions" section provides information on international services and services for larger firms. The "Personal solutions" section provides information for home-buyers, and on personal loan and deposit accounts and insurance services.
on 15/10/03Australian Financial Group
The Australian Financial Group arranges loans "in most cases at no charge to the consumer". Their web site goes into great detail about the group, their workforce, and what they can offer potential borrowers. Within 'Join AFG' they give details for those who may be interested in working for the company.
The 'Qualify Mortgage Online' section (under Research Tools) allows people to calculate their principal limit, repayment amounts (according to different repayment periods), and use other tools to help calculate fees associated with loans. Becoming a member is free of charge, the only requirement being the completion of a membership form online. Once a member, greater information is available on the site, as well as additional email services.
on 15/10/03Australian Financial Services Directory
This site is an online directory of financial services, while also providing financial information and services itself. At the top of the homepage is a 'Market Wrap' which displays the major indicators of the world market. In the centre column of the homepage are the top headlines and reports from various financial companies, with links to the full story. Free chartering and monitoring of share portfolios is one of the various free services provided by AFSD.
A property guide is also on offer, along with information on new floats, a financial calculator, and financial news links. The "Find a Professional" directory is categorised into Stock Brokers, Financial Planners, Accountants, Insurance Brokers, and Finance Brokers, while the "Advice Centre" is categorised into Share Analysis, Newsletters, Editorials, Overnight Markets, Investment Shop, Calculators and Business Resource Centre". A site tour is available to help new users around the various areas, displaying the different links and appropriate definitions.
on 15/10/03Australian Stock Exchange
The homepage of the ASX offers quick access to prices for Shares, Options, Warrants, Bonds and Indices, as well as company announcements and free registration for “Watchlists”.
The “Market Statistics” section offers information on Share prices, top performers, trading volumes, market commentary, current and past market announcements, and market indicies.
The section on “Company Research” offers lists of companies, company information, ISIN codes, charts and corporate files.
”ASX Markets” covers equities, warrants, options, interest rate securities, ASX enterprise markets as well as information on how the sharemarket and options works, how the ASX clearing and settlement works and information on choosing a broker.
”ASX Shareholder Information” contains details of company profile, ASX announcements, speeches and presentations, ASX share price, financial results, corporate calendar, publications, FAQ’s and trading volumes.
The “Floats” section covers upcoming and recent floats, while the “Investor courses and services” offers a range of information, games and resources to help you better understand the sharemarket.
Last but not least is information “About ASX”, covering a range of issues about the company, past and present.
on 15/10/03AUSTSAFE - Superannuation for Rural and Associated Industries
This web site contains information about the AUSTSAFE Rural Superannuation Fund. AUSTSAFE Super is a non-profit fund, which has been established for the benefit of rural and associated industries. The Fund's sponsoring organisations are AgForce Queensland, Queensland Canegrowers, Queensland Fruit & Vegetable Growers and the Australian Workers Union of Employees.
The site is updated as necessary with new information about AUSTSAFE and changes to the site. The "Employer On-line" section makes contribution processing easy for employers and gives them the flexibility to, among other things, view current contribution returns and correct or update changes, add new members, and correct member details and advise termination of member's employment. The "Member On-line" section gives registered members the ability to, among other things, view their balance history, view member statements, and view their contribution history.
Information is also provided on how AUSTSAFE invests your money, along with a range of technical information.
on 15/10/03Bank Cho%ce
http://www.infochoice.com.au/banking/
A very useful site which provides detailed comparisons between banks of their lending and deposit rates, by State. Lending categories include owner-occupied housing, investor housing, home equity mortgages, personal loan overdrafts, business and cheque account overdrafts, commercial and business lending and credit card rates. Deposit categories include at call, term, commercial cheques and debentures. In each case, fees and government charges are included in the information provided. Separate sections provide information on bank bill rates, money market and currency rates, and leasing rates. And that's not all! The site also provides a weekly commentary on financial markets, news on financial market developments, and features on major developments. Moreover, home loan and deposit calculators are provided. The site also provides information on bank contacts. An online form is provided for seeking further information. A facility for online home loan applications is also provided.
on 16/10/03Bank of South Australia
BankSA offers calculators, Internet Banking, information on the latest interest rates, and an economic commentary and other items relating to treasury.
BankSA also offers advice on e-commerce solutions for online trading, a section dedicated to rural banking in addition to areas for business and personal banking.
The Regional Banking section contains information on Farm Management Deposit Accounts, Rural Lease and Asset Purchase, Farm and Crop Insurance, Treasury, Publications, Rural Branches and business banking online.
on 16/10/03Banking Ombudsman Scheme
The site offers general information on the Ombudsman including contact information. The site also provides a description of the sorts of complaints the Ombudsman can deal with and what happens with the complaints. Further information is provided on who pays, the Ombudsman's terms of reference and an interpreter service. Contact information is provided including a complaint form to print out.
on 16/10/03BankWest
BankWest offers an Online Banking service to customers registered for its phone banking service. The Online Service, like those of other banks, allows account balances to be viewed, funds to be transferred and BillPay bills to be paid. The system operates within the browser. An online PC-based Office Banking Service is also available.
The "Business" section of the site provides information on its business services and products. The "Agribusiness" section provides information on farm management deposits, grain payment budget estimates, weekly commodity price analysis, financial market updates and more. The "Newsroom" includes corporate news, press releases, financial market updates etc. The "Economic" section (under "Business") includes the bi-annual Review of the Western Australian Economy. Interest rates are provided on business and personal loans and deposits. An online feedback form and branch addresses are provided.
on 30/04/03Bendigo Stock Exchange
Marketing itself as "Australia's alternative equity market", the Bendigo Stock Exchange (BSX) uses the Internet to interface with its trading systems in order to offer services in a cost efficient manner. Participating members of the BSX receive full access to share prices, trading history and information on companies listed on the BSX markets; full details of private equity investment opportunities displayed on the BSX web site; a monthly e-newsletter 'BSX News' to keep you up-to-date with the latest developments at BSX; a range of business tools offered specifically to BSX Members at special rates, and discounted events, products and services available only to BSX Members.
on 16/10/03Commonwealth Bank of Australia
The Commonwealth's NetBank, online banking requires a software plug-in to be downloaded. Like other bank Internet systems, it allows account balances to be viewed, funds transferred, and bills paid to organisations on the BillPay system.
The site also provides for online applications for home loans and credit card accounts, and foreign exchange, business finance, home loan, leasing and insurance "calculators". In addition, an "AgriOptions" section provides information on products and services relevant to primary producers, while other business service information is also provided. The "Business Centre" provides general business information, information on risk management, payrole management, business planning, insurance products and more.
Investor information is provided, along with interest rates on deposit and loan products. Corporate information includes corporate news, financial market information, investment management equities information and ots more.
ComSec pioneered online share trading in Australia.
Elders
See Price and Marketing Information. Included here for the information provided on insurance and financial services including interest rates on deposits.
on 16/10/03Finance and Treasury Association
The Finance and Treasury Association is a organisation of financial risk managers. Membership can be applied for on the site by filling out a form, however you must meet the necessary criteria set by the Association. The site serves the members by keeping them up to date with technical information. This is achieved through access to their online journal, and providing members with details of upcoming workshops. A sections labeled 'News' and 'Events' contains articles related to financial risk management, and these are accessible by members and non-members alike.
on 16/10/03Global Electronic Trading (GET)
The GET Futures web site and associated software offers the opportunity to trade through 22 futures and options exchanges worldwide.
The site allows the establishment of new accounts online and has an ‘Education and Training’ section containing ‘Futures Explained’, ‘Risk Disclosure’, ‘Trading Strategies’, ‘Frequently Ask Questions’, ‘Seminars and Courses’, ‘Publications’, ‘Contract Specifications’ and ‘Golden Rules’.
Client services offered through getfutures.com include “real time” price quotes on all futures/options, futures and options charts, analysis and news on all available products and exchanges, a demo trading area to allows clients to practice the features of GET Software without placing funds at risk, the ability to trade futures and options over the Internet, and the ability to monitor account balances and historical trading data.
on 16/10/03Macquarie Bank
Bank news and information on bank services, particularly its investment products are available.
Current interest rates are provided on deposit and mortgage products.
The "market watch" section details financial market news and developments, and the Macquarie Weekly economic newsletter, and updates on foreign exchange, (non-agricultural) commodity and other markets is also available.
Online share trading is available through "DirecTrade". A 'bookshelf' section provides articles from the Bank's Balance magazine and other information on the bank.
The site also provides a gateway to an "extranet" for members of the bank's "Inner Circle" club. An online inquiry form is provided.
on 30/04/03Man Financial - Agricultural Services
http://www.manfinancial.com.au/agriculture/agriculture_services.asp
Man Financial advisers provide a range of advice and assistance specialising in grain, oilseed & currency markets. Utilising their overseas network, clients are able to trade all of the world's major futures & options markets in Australia, North America & Europe. Man provides clients with a range of technical & fundamental research for the world's major markets & economies. In particular, their Wool & Grains Report provides a daily update of the futures & cash markets along with a market commentary and relevant charts ensuring clients are kept abreast of factors influencing local prices.
on 16/10/03National Australia Bank
Internet banking is available, with an initial software download required. This allows account balances and transactions to be viewed, funds to be transferred, BillPay accounts paid (as once off or regular payments) and term deposit accounts to be opened.
An "Agribusiness" section of the site provides a list of Agribusiness Development Managers for 'beyond the farm gate' services, the bank's Farm Business Planning Workbook, commodity analysis, and the Rural Focus magazine.
The "Business" section provides access to business publcations, press releases, specialist services, calculators, economic commentary, interest rates (providing current interest rates on home loans, credit cards, personal loans, business loans and deposit products) and more.
An online feedback form is provided.
on 16/10/03Personal Investor
http://www.personalinvestment.com.au
This is the online version of Personal Investor Magazine. The site provides some articles and columns from the magazine as well as investment services, such as links to online stockbroking services, an independent review of managed funds, and mortgage and savings calculators. There is also a comparison of current interest rates across a range of loan and deposit products, including small business commercial loans. A forum and email advice of site updates are available.
on 30/04/03Rabobank
Rabobank specialises in food and agribusiness banking. While Rabobank is a multi-national company, operating in over 30 countries, in Australia Rabobank operates in three core areas of the food and agribusiness banking market - providing finance to farmers and primary producers; business banking services to middle-market businesses operating beyond the farm gate in the beverage, food and agribusiness sectors; and offering sophisticated financial products and services to large co-operatives and corporations in the food and agribusiness industries.
on 16/10/03Rural Finance Corporation, Victoria
http://www.ruralfinance.com.au/
The site provides information on the Corporation, including its role, contacts, services, loan products and assistance programs. A loan application form is available for printing out and a range of other brochures and forms provided (in pdf). A register of training providers under the FarmBis program is provided.
on 16/10/03Rural Funds Management
Rural Funds Management is a public company offering large-scale agricultural investments to the public. The site provides information on the fund, contacts, its Murrumbidgee Syndicate and Lachlan Farming operations and some information on the cotton industry.
on 16/10/03Rural Support Tasmania
http://www.southcom.com.au/~rurals/
A web site for the rural counselling scheme operating in Tasmania. The site provides information on the scheme, including contact addresses, and the Tasmanian counsellors.
The scheme is a free and confidential service providing financial related information and support to the Tasmanian farming community.
on 16/10/03St George Bank
Internet banking is available to account holders with phone banking set up, allowing account balances to be viewed, funds transferred, and bills paid to organisations on the BillPay system. The system operates in a new browser window through the use of Java - requiring a download the first time the system is operated.
The rest of the site provides general information on the bank's products and services. Interest rates are provided for home and personal loans and deposit products. Savings and loan calculators are provided.
The daily Morning Report on financial markets and the Economic Outlook newsletter (in pdf) is available as quick links from the homepage along with financial results, share prices and the annual report. Online application for personal loans is available.
A section of the web site is available, dedicated to "Rural and Regional Solutions".
Sydney Futures Exchange
See Price Marketing And Economic Information. Included here for its trading in 90 day bank bills, three and 10 year government bonds and shares.
on 16/10/03Westpac
The Westpac site provides online banking, account and loan applications and foreign exchange transactions. Westpac online banking allows account details to be accessed, funds to be transferred and BPAY bills paid. It operates from within the browser, requiring no additional software downloads.
The site also provides online broking and online shopping, with links to dozens of online retailers supported by Westpac's e-commerce merchant services.
There is "personal banking" information available on loans, investments, insurance, rates information and calculators for home loans, term deposits, personal loans and more.
The "business" section provides information on business loan and deposit products, business finance application forms, information on bank services in areas such as international trade and foreign exchange rates.