mortgage regulation
APRA releases quarterly authorised deposit-taking institution statistics for December 2024
… 13 March 2025 Print Email The Australian Prudential Regulation Authority (APRA) has released the Quarterly … -1.7 points Key statistics for ADIs conducting residential mortgage lending for the quarter were: 2 ADIs' residential … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA releases consultation package on Net Stable Funding Ratio
… foreign ADIs also announced The Australian Prudential Regulation Authority (APRA) has today released for … ADIs with balance sheets that comprise predominantly mortgage lending portfolios funded by retail deposits are … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the Financial Review Banking Summit 2022
… And those trends have occurred during a time in which regulation has been strengthened – prima facie, it has not … the number of mutuals, the share of industry assets (and mortgage lending, their primary product) held by the mutual … and interest rates will have a significant impact on many mortgage borrowers, with pockets of stress likely, …
Opening Statement to Senate Economics Legislation Committee - November 2024
… Print Email John Lonsdale, Chair - Australian Prudential Regulation Authority Thank you for the opportunity to … remains strong and stable, benefiting from prudential regulation and policy settings reviewed and enhanced over … continue to review settings of the tools including the mortgage serviceability buffer and the counter-cyclical …
Opening Statement to the House of Representatives Standing Committee on Economics - October 2024
… Print Email John Lonsdale, Chair - Australian Prudential Regulation Authority Thank you for the opportunity to … maintain the current macroeconomic settings including the mortgage serviceability buffer at 3 percentage points and the … manage the risks of the future. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the European Australian Business Council
… impact will be to lift capital requirements against mortgage lending relative to other types of lending, … banking system. That provides a natural segue to mortgage lending standards. It is not enough just to make … is far better than cure. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the 2019 Banking and Finance Oath Conference
… Oath Conference Thursday 8 August 2019 Print Email Is self-regulation dead? Wayne Byres, Chairman – Crossroads: The 2019 … morning, I’ve been asked to answer the question: is self-regulation dead? To cut to the chase, my answer is that I … This was a classic excuse in APRA’s intervention in mortgage lending: many industry participants were …
Fortis Fortuna Adiuvat: Fortune Favours The Strong
… particular part of the financial system: the residential mortgage lending market. These measures build on the steps we … peers, and bolstering the capital backing for mortgage exposures in the current environment. Despite that … cooperation and coordination in the area of financial regulation can’t be dismissed lightly. That might even be …
APRA begins consultation with ADIs on revisions to capital framework
… 14 February 2018 Print Email The Australian Prudential Regulation Authority (APRA) has today released two discussion … capital framework include: lower risk weights for low LVR mortgage loans, and higher risk weights for interest-only … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Reform of Global Banking Regulation
… Home Search Content Speeches Reform of Global Banking Regulation Friday 9 April 2010 Print Email Wayne Byres, … low risk profile of their balance sheets (driven by large mortgage portfolios). We see limited benefit from a leverage … tools Gittins (1990), op cit. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA releases quarterly authorised deposit-taking institution statistics for June 2025
… 11 September 2025 Print Email The Australian Prudential Regulation Authority (APRA) has released the Quarterly … funding ratio 116.2% 115.9% -0.3 points Key residential mortgage lending statistics for ADIs for the quarter were: 2 … to Manager, External Data Reporting Australian Prudential Regulation Authority GPO Box 9836, Sydney NSW 2001 Looking …
Opening Statement to Senate Economics Legislation Committee – October 2025
… Print Email John Lonsdale, Chair - Australian Prudential Regulation Authority Thank you for the opportunity to … and safe financial system, benefiting from prudential regulation and policy settings reviewed and enhanced over … keeping our macroprudential policy settings, including the mortgage serviceability buffer, on hold. Housing credit …
Opening Statement to Senate Economics Legislation Committee - October 2021
… month APRA sought to address heightened risks in banks’ mortgage lending by increasing the minimum interest rate … this Committee: that in taking action in relation to mortgage lending standards, APRA is not seeking to target the … happy to answer your questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
In search of...Unquestionably strong
… announced a change to risk weights for the residential mortgage exposures of banks using the internal-ratings based … By adjusting a parameter within the IRB formula for mortgage exposures, the average risk weight on Australian … their international peers. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Key issues for the year ahead: Bank capital and the approaching BEAR
… to accommodate domestic measures to target residential mortgage lending – about which I’ll comment more shortly – as … more granular data. We issued industry guidance on prudent mortgage risk management. As the risk environment continued … investment for us to make. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Surviving the downturn: APRA's role in Financial Crisis Management
… the year. And, if you think that this sounds like over-regulation, believe me; in the United States – with its … of prudential regulators at risk reduction. Prudential regulation is all about shifting the odds in favour of safety … 1. Structural differences Firstly, the dynamics of mortgage lending in Australia differ significantly from those …
Opening Statement
… We’re about to finalise guidance on what we see as sound mortgage lending practice, and we’ve conducted a … happy to answer your questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement to Senate Economics Legislation Committee– April 2019
… supervision. They concluded our actions to strengthen mortgage lending standards had lowered financial stability … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair Wayne Byres - Speech to the Australian Business Economists
… On 1 July, APRA turned 20. Two decades of prudential regulation have required APRA to tackle all manner of issues, … banking system. I’ll recap our actions to reinforce sound mortgage lending policies and practices over the past few … maintaining sound lending Let me start with residential mortgage lending standards.[3] APRA has been focused for some …
APRA Chair John Lonsdale - Speech to AFR Banking Summit 2023
… system has a particular concentration risk in residential mortgage lending, and so our capital framework is calibrated … no corporate bonds, and no residential or commercial mortgage-backed securities. Removing these assets, which … and superannuation members. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …