Artikel-artikel mengenai APRA

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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 www.shutterstock.com

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 Shutterstock.com

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 www.shutterstock.com

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. monkeyc.net/Flickr

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…
The Reserve Bank’s mandate is much broader than that of prudential regulator, APRA. ArchivesACT/Flickr

The case for the Reserve Bank to swallow APRA

One of the major recommendations made by the 1997 Wallis Inquiry into banking was to establish a prudential regulator for the financial sector separate from the Reserve Bank of Australia. The new regulator…
All banking comes with risk, but it could be better disclosed. Shutterstock

Why your bank account should come with a risk rating

What is the interest rate on your savings account? If you don’t know, you can easily find out. Banks advertise their rates prominently. They want you to know what they’re offering. After all, the interest…
Commonwealth Bank chief Ian Narev announces a record full-year profit of A$7.8 billion, ahead of this week’s $2.1 billion quarterly result. Paul Miller/AAP

Bank profits grow, and so does the criticism. Who’s right?

Like most companies, banks report their profits twice a year. Each time the majors report we see headlines about the size of the profits and implicit or explicit criticism of the amount – this time about…
Had it come out five years ago, APRA’s consultation paper could have left taxpayers footing the bill for BankWest’s collapse in 2008. AAP

Protecting taxpayers from systemic risk should be at the heart of APRA changes

At first glance, a consultation paper released by Treasury last week aimed at strengthening the crisis management powers of the Australian Prudential Regulation Authority, could pass for a routine tidy-up…
Is a full enquiry into Australia’s banking industry overdue? source: shutterstock. Image sourced from shutterstock.com

Debunking the myth of our ‘well-regulated’ banks

A Senate Economics Committee has been reflecting on life after the global financial crisis for Australian banks. The general consensus has been to date that Australian banks escaped the worst of the fall-out…

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