Articles on APRA

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Mortgage tracker rates follow the cash rate.

Business Briefing: rate tracker mortgages

Business Briefing: rate tracker mortgages. The Conversation16.3 MB (download)
Rate tracker mortgages could provide some certainty for customers and increase trust in the banking sector.
The Australian Prudential Regulation should be put up for a capability review. Mick Tsikas/AAP

APRA takes the easy road out with risk culture

Just when we all thought that the Australian Securities and Investments Commission (ASIC) had already won the race to be most ineffective regulator of the year, up pops the Australian Prudential Regulation…
NAB CEO Andrew Thorburn defended the culture of the bank he works for during the House of Representatives Standing Committee on Economics annual public hearing. Lukas Coch/AAP

Big four bank chiefs face parliamentary committee: experts react

As the chief executives of Australia's big four banks come before a House of Representatives economics committee, we ask a panel of experts what questions the banks should be answering.
Just like the characters of The Big Short, its time to pick up the warning signs of a global financial crisis. Paramount Pictures

Shadow banking increases the risk of another global financial crisis

The financial products offered by the shadow banking sector allow investors to be further removed from their investments and banks to escape regulation, increasing the risk in the sector overall.
Westpac Chief Executive Officer Brian Hartzer gave excuses for traders behaviour in regards to the BBSW benchmark. David Moir/AAP

Banking excuses wearing a bit thin

With all the weight of evidence stacked against the banks in the case of BBSW benchmark, surely now is the time for the government to enforce regulation.

Banking regulation – descent into farce

It may be the effect of the election but the regulation of banking in Australia appears to be descending into farce. Just last week, maybe in anticipation of adverse events to come, the Australian Financial…
It’s stormy conditions in share markets and a competitive sector, not natural disasters, that will define the outlook for the insurance sector. KARIN CALVERT/AAP

Insurance outlook: in an era of increasing competition technology will make the difference

The outlook for the insurance sector will depend less on natural disasters and more on how the big insurers respond to smaller competitors and the use of technology in assessing policies.
Large Australian banks are being required to significantly increase their levels of equity capital. Image sourced from

Explainer: banks are raising capital, but should we be worried?

Investors may not like it but Australian banks have been given little choice by the prudential regulator other than to undertake capital raisings.
The superheated Sydney housing market has regulators, and the Reserve Bank, worried. Joel Carrett/AAP

Rates and housing risk: beware outsourcing policy to regulators

With rates on the way down the problem of runaway property investing has been left to the regulator APRA. But regulators should not be used as agents of short-term government policy.
Research has found when super funds share the same directors, fund performance can suffer. Image sourced from

Super connected directors not helping super fund performance

Super funds are being asked to improve board governance, and their starting point should be to consider stamping out multiple directorships.
Big nest egg or small: shouldn’t super fund trustees meet the same professional standards as individual financial planners? Image sourced from

Murray pinpoints inconsistency on financial advice and super trustees

Finally, Financial System Inquiry chairman, David Murray, has brought some consistency into two hot debates running in finance. Parliament, financial media commentators and a whole range of vested interests…
Mortgage broker home loans are riskier than those from banks.

To tackle risk, address how mortgage brokers are paid

Heightened competition among home lenders has prompted the banking regulator to issue a reminder of what constitutes prudent lending, but its suggestion that loans being generated by mortgage brokers should…

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