mortgage regulation
Key issues for the year ahead: bank capital and boiling frogs
… to say a few words on the FSI recommendation regarding mortgage risk weights. In July 2015, we announced higher mortgage risk weights for banks using internal model-based … Risk Culture PDF 756.36 KB 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 …
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 …
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 …
Housing: The importance of solid foundations
… that provided a more certain platform for an expanding mortgage and asset-backed securities market to flourish in … lending standards and risk management in residential mortgage lending: this was first issued in 2014 and refined … in Australia. But when the flow of credit encounters regulation, it’s like flowing water encountering a barrier: …
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 …
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 …
Achieving a stable and competitive financial system
… tasks us to administer laws that provide for prudential regulation of financial institutions. Those laws are the … regulator like APRA was seen as critical to ensuring that regulation did not distort the competitive landscape due to … recommendations. [8] Some – such as Recommendations 2 (mortgage risk weights) and 4 (international capital …
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 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 …
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 …
Beyond the Global Financial Crisis: A Prudential Perspective
… expect in future regarding industry activity, prudential regulation locally and prudential regulation internationally. Industry structure To get under … selling their general insurance subsidiaries. PMI, the US mortgage insurer, sold its Australian business last year to …
Matching expectations with reality
… from the work environment but, for anyone involved in regulation of the financial sector, these are two questions … of limiting the sorts of prescriptive, one-size-fits-all regulation that industry – with some justification – rails … financial firms and systems, is important for ensuring regulation does not just produce financially-sound firms, but …
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 - 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 …
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 …
Opening Statement
… to take over responsibilities for the prudential regulation of private health insurance. Let me first discuss … need to maintain sound lending standards in residential mortgage lending. This was done against a backdrop of … to APRA of responsibility for health insurance prudential regulation is scheduled for 1 July this year. APRA has been …
Opening Statement
… APRA is maintaining a strong focus on the quality of new mortgage lending, and measures to reinforce sound lending … the Committee’s questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement
… governance, culture and accountability. Residential mortgage lending is another area where APRA has been lifting … the Committee’s questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …