The big 4 robbers don't give a cracker about the RBA rates or sentiment. They will use the 'overseas borrowing costs' line to keep their rates higher. The RBA are out of ammunition and ideas, so are sprouting all and sundry to seem relevant. Nobody has a mortgage or credit card debt at 1.5% interest so I ignore all the RBA sheet. The banks will play the PR game for a few weeks and play along with the RBA and Pollie comments. Once the royal commission report gets forgotten about -in a few weeks based on the current attention span of gen x and y - the 4 will start manipulating the money market to their own advantage.
