27 October – 31 October 2025

Summary:

Short-Term Money Market Rates (BBSW)

Short-term BBSW rates rose across all tenors this week. The 1-month rate increased by 7 basis points to 3.54%, the 3-month rose 15 bps to 3.65%, and the 6-month jumped 23 bps to 3.89%. Over the month, the 1-month rate remained unchanged, while the 3-month and 6-month tenors rose 7 bps and 15 bps respectively. This reflects a steepening bias at the short end of the curve, suggesting rising expectations for funding costs over the next half-year, possibly driven by tightening liquidity or renewed inflationary concerns.

  • Bank Bill Swap Rates

    TERM TO MATURITYCLOSING RATEΔ WEEKΔ MONTH
    1 month3.540.070
    3 months3.650.150.07
    6 months3.890.230.15

Medium- to Long-Term Swap Rates

Swap rates climbed across all maturities during the week. The 1-year rate rose 18 bps to 3.53%, the 3-year increased 19 bps to 3.59%, and the 5-year gained 18 bps to 3.96%. Longer-term yields also moved higher, with the 10-year up 14 bps to 4.33%, and the 15-year rising 12 bps to 4.53%. Monthly changes were more moderate, with gains of 4–6 bps across the curve.

The broad-based rise reflects reduced expectations for near-term RBA cuts following hotter-than-expected inflation data. The relatively larger increase at the short end represents a bear flattening, indicating markets are reprising the timing of rate cuts rather than fundamentally reassessing long-term inflation or growth dynamics.

  • SWAP RATES

    TERM TO MATURITYCLOSING RATEΔ WEEKΔ MONTH
    1 year3.530.180.05
    3 years3.590.190.05
    5 years3.960.180.06
    10 years4.330.140.04
    15 years4.530.120.04
  • Exhibit 1Australian 3Y/10Y Bond Yield