This paper analyses the systemic risk in relation to bank lending for Asian economies. The methodology complements existing market-based systemic risk measures by providing measures based on accounting information that regulators typically collect. Loan loss provisions of banks are decomposed into (i) a prediction component that is based on observable bank characteristics, and (ii) two...

Savings decisions are essential in reallocating income across periods but understanding this concept may be mired by low levels of financial literacy. We survey individuals to identify the role of financial literacy in savings rates. We note differences in financial literacy and savings rates between genders and across age groups and income levels. We show...

This report focuses primarily on proposals to secure the financial strength of Australia Post and at the same time ensure continuation of its role as a key employer and provider of essential services, particularly in rural and regional areas.

Local government is a significant employer in Australia—particularly in regional areas—offering opportunities for employment across a wide range of occupations. This report on the profile of the local government workforce has been written to support the National Workforce Strategy developed for the Australian Centre of Excellence for Local Government (ACELG) by Local Government Managers Australia...

This paper investigates the effects of credit ratings-contingent financial regulation on foreign bank lending behaviour and examines the sensitivity of international bank flows to debtor countries’ sovereign credit rating changes before and after the implementation of the Basel 2 risk-based capital regulatory rules. The research finds evidence that sovereign credit re-ratings that lead to changes...