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Home insurance affordability, the protection gap, and the implications for the financial system.

This paper outlines how APRA proposes to better customise its banking prudential requirements based on size, risk profile and complexity of authorised deposit-taking institutions (ADIs).

APRA has several tools available to help manage different aspects of macroprudential risk. This Information Paper explains the currently active tools and steps taken (November 2025).

Interest Rate Risk in the Banking Book (IRRBB) refers to the risk to a bank’s capital and earnings arising from movements in interest rates that affect banking book positions.

As one part of a series of reforms APRA is undertaking to reduce regulatory burden, this paper outlines proposals to introduce a new streamlined pathway to IRB accreditation.

This discussion paper is the first step in improving the licensing framework for banks. In responding to this discussion paper, stakeholders are invited to provide feedback on further opportunities to improve the licensing process, including where APRA’s licensing requirements could be more proportionate.

This consultation paper clarifies APRA’s proposed approach for a range of less material issues arising from the changes.

Effective governance of banks, insurers and RSE licensees is fundamental to prudential regulation and sound risk management. Well-governed institutions are likely to be more resilient in times of stress.

In its November 2024 update, APRA confirmed it will maintain its existing macroprudential policy settings, including the serviceability assessment buffer, the countercyclical capital buffer and the absence of lending limits, following its assessment of financial stability risks.