Given the recent December rate cuts, many Australians want to know whether if their bank was “Naughty or Nice.” Did they pass the rate cut in full? How long did it take for their banks to react? This Infographic answers these questions and shows that by delaying the passing of the December rate cut, the big 4 banks made a total of $66 million in extra profit – enough to buy 3 Cadbury Christmas stockings for every Australian child.