A Report Prepared By Quantium For The Commonwealth Bank Regarding Term Deposits, Prepared Between January 1, 2000 And December 15, 2008.

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A February 2006 Quantium report prepared for Commonwealth Bank analyzes term deposit pricing strategies using evidence-based modeling to understand how interest rate changes affect customer acquisition and retention. The report examines four strategic scenarios: meeting balance or net interest margin targets, responding to competitor rate changes, managing maturing term deposits concentrated in specific terms, and responding to wholesale funding curve shifts. The document establishes baseline rate assumptions across different deposit tiers and terms, with designated "hero" rates at eight months for larger deposits and four months for mid-tier deposits. The analysis provides CBA with quantitative frameworks for tactical pricing decisions in the competitive term deposit market, demonstrating how the bank modeled customer behavior responses to rate adjustments during the 2000-2008 period.