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.

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.

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

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.

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 taken.