Banks and banking

Research report

12 Oct 2018

Market Forces, working with Vietnamese community organisations and other international NGOs, has found that equator principles (EP) signatory banks are violating those principles in their involvement in syndicates funding five Vietnamese coal-fired power stations. In doing so, they are failing the people that the principles...

Research report

28 Sep 2018

The Commission’s work, so far, has shown conduct by financial services entities that has brought public condemnation. Some conduct was already known to regulators and the public - some was not. Why did it happen? The answer seems to be greed – the pursuit of...

Briefing paper

23 Sep 2018

A majority of Australians believe the Royal Commission into Banks and Financial Services has uncovered more wrong doing (70%) and is most important for Australians (65%) compared to the Royal Commission into Trade Unions.

Research report

7 Sep 2018

ASIC asserts that it is working to provide a fair, strong and efficient financial system for all Australians. Underpinning this vision is the recognition that every dollar in the financial system is other people’s money.

Research report

3 Aug 2018

This report looks at the provision of financial services and the interaction of market participants, issues facing the consumers of financial services and the functions and activities of the regulators.


26 Jul 2018

This strategy document sets the course for the Asian Development Bank (ADB) to respond effectively to the region’s changing needs. Under the strategy, the ADB will sustain its efforts to eradicate extreme poverty and expand its vision to achieve a prosperous, inclusive, resilient and sustainable...


26 Jul 2018

In this submission, the Department of the Treasury does not make recommendations, but seeks to set out the issues involved, the current regulatory framework and how it developed, and the trade-offs involved in various responses to matters currently being considered by the Royal Commission.

Research report

4 Jul 2018

This report discusses the findings from ASIC’s review of credit card lending in Australia between 2012 and 2017. In particular, it looks at consumer debt outcomes over this period, the effect of balance transfers, and the operation of key reforms for credit cards that commenced...

Research report

29 Jun 2018

This report contains eight recommendations outlining initiatives to increase the supply of capital, and raise SME’s awareness of alternative sources of finance outside traditional banking.

Briefing paper

22 Jun 2018

This paper provides context for Aboriginal and Torres Strait Islander consumers’ interactions with banking and financial services, especially in remote areas across Australia. It also provides background information and detail on Australian government policies and programs relating to Indigenous Australians.

Briefing paper

21 Jun 2018

This paper provides information on the interactions of Aboriginal and Torres Strait Islander people with financial institutions, including banks, insurers and superannuation funds.

Briefing paper

15 Jun 2018

This paper discusses access to, and use of, financial services by those in regional and remote areas and challenges people may face when accessing financial services.

Briefing paper

18 May 2018

In response to a request from the royal commission, APRA has prepared this paper on the effect on an authorised deposit-taking institution’s (ADI) Tier 1 capital, where a loan is classified as impaired, a provision is raised and enforcement action against the loan’s security is...

Briefing paper

14 May 2018

This background paper provides information about small and medium-sized enterprises (SMEs) in Australia, and describes some ways that SMEs interact with providers of financial products. This paper also highlights that there is no single definition of an SME in Australia, and that data about SMEs...


11 May 2018

The banking royal commission has exposed senior management, boards and regulators to unprecedented scrutiny — and the problems don’t end with the finance sector, writes Michael Gill.

Briefing paper

7 May 2018

The scope of this paper is limited to small business credit in the form of loans, both secured and unsecured. It does not consider other banking facilities, financial products or financial services. It is intended to provide an overview of the relevant issues, and does...

Research report

1 May 2018

This report is comprehensive and contains a large number of findings and recommendations. Its overarching conclusion is that "CBA’s continued financial success dulled the senses of the institution," particularly in relation to the management of non-financial risks.

Briefing paper

27 Apr 2018

This paper responds to a request from the Royal Commission for background on the capital prudential framework applying to the banking industry, with particular regard to the current and proposed treatment of residential mortgage lending and lending for small and medium-sized enterprises.

Discussion paper

22 Mar 2018

Over the ten years to 2026-27, when the total benefit to companies is estimated at $65 billion, The Australia Institute estimates the big four banks will receive a ‘gift’ of $9.5 billion, with the Commonwealth Bank alone to receive $2.8 billion.

Briefing paper

19 Mar 2018

Reforms are being introduced to improve the efficiency and level of competition in consumer lending, with a goal of driving better pricing, enhanced access to finance and new products and services.



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