mortgage regulation
APRA releases statistics on ADI property exposures for September 2018
… 12 December 2018 Print Email The Australian Prudential Regulation Authority (APRA) has today released its Quarterly … interpreting the statistics to monitor sound residential mortgage practices. Please refer to the Important Notice in … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA publishes new details on Climate Vulnerability Assessment
… 3 September 2021 Print Email The Australian Prudential Regulation Authority (APRA) has published an information … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement
… impact: we can be more confident in the conservatism of mortgage lending decisions today relative to a few years ago, … than fall. We therefore see no room for complacency, and mortgage lending will inevitably remain a very important … happy to answer your questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Remarks for 'The Regulators' panel
… figures. We can also be more confident in the quality of mortgage lending decisions today relative to a few years ago. … a chance to make their remarks. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Executive remuneration as part of risk governance
… ABC’s 7:30 Report there was an item about mis-selling by mortgage brokers. It contained the story about a single … She sought help from a financial advisor who was also a mortgage broker. According to the report, the broker obtained … you have on these themes. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Macroprudential Policy credit measures
… reporting. 4 Under Reporting Standard ARS 223 Residential Mortgage Lending, DTI is defined as the ratio of the credit … . Include the credit limit of any debts, such as other mortgage lending, personal loans, credit-cards, consumer … has updated Prudential Practice Guide APG 223 Residential Mortgage Lending to align with new requirements for a prudent …
Contingent liquidity: final guidance
… KB Published 18 November 2021 The Australian Prudential Regulation Authority (APRA) is today releasing its final …
APRA releases general insurance statistics for March 2019
… 23 May 2019 Print Email The Australian Prudential Regulation Authority (APRA) has released its Quarterly … of claims reserves in professional indemnity and mortgage classes. This was largely offset by a significant … on the APRA website . Statistics The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Is the capital benefit of being an advanced modelling bank justified?
… For example, standardised risk-weights for residential mortgage lending at low loan-to-valuation ratios (LVRs) start … IRB approach including minimum values for IRB residential mortgage risk-weights and overall IRB risk-weighted assets; … rules for Australian banks. Risk The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
How APRA is responding to the global financial crisis
… one commentator has suggested)? Or was it a result of good regulation? Well, I don’t think that luck had all that much … 1. Structural differences Firstly, the dynamics of mortgage lending in Australia differ significantly from those … many unsound loans being made and sold off in the form of mortgage-backed securities. While securitisation has also …
APRA welcomes IMF report on Australian financial system
… 22 February 2019 Print Email The Australian Prudential Regulation Authority (APRA) welcomes the IMF’s Financial … APRA has undertaken comprehensive reform of prudential regulation for insurance companies, while improving the … Monetary Fund (IMF). The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
The Global Financial Crisis - Lessons for the Australian Financial System
… of ways: poor underwriting standards in US sub-prime mortgage lending driven by commission arrangements for mortgage brokers; conflicts of interest for credit rating … UK banks, not Australian! The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Some Australian perspectives on procyclicality
… at times when markets are dysfunctional). Prudential regulation is, in my view, typically a neutral influence - … weight if they had an LVR below 80 per cent and/or were mortgage insured. Our concern at the run up in housing prices … in loan size, age, purpose (owner-occupied or investment), mortgage insurance status (including the prospect that claims …
APRA maintains current macroprudential settings in uncertain environment
… 25 November 2024 Print Email The Australian Prudential Regulation Authority (APRA) will keep its current … these considerations, APRA has today confirmed that: the mortgage serviceability buffer will remain at 3 percentage … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA seeks to enhance flexibility and resilience of ADI capital framework
… 8 December 2020 Print Email The Australian Prudential Regulation Authority (APRA) has released for consultation … contact APRA on 1300 558 849 . The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
APRA Chair John Lonsdale’s speech to the European Australian Business Council
… repeat was the most important contribution the Prudential Regulation Authority could make to promoting growth. 10 So to … households and businesses in a significant downturn. The mortgage serviceability buffer also stays at 3 percentage … in large numbers of borrowers being unable to make their mortgage repayments. Should bank losses begin to mount due to …
Implementing APRA's prudential standards of executive remuneration
… The securities sell because they are backed by residential mortgage assets which are seen as safe. But, as business … – in the Panel discussion. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement
… in July, we announced a change to the risk weights for mortgage exposures for those banks that are accredited to use … Committee. But we were comfortable moving ahead on the mortgage risk weight issue, given it was consistent with the … comparison study, July 2015. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …
Opening Statement to Senate Economics Legislation Committee - February 2024
… Print Email John Lonsdale, Chair - Australian Prudential Regulation Authority Thank you for the opportunity to … update on macroprudential policy settings, confirming the mortgage serviceability buffer would remain at 3 percentage … happy to take your questions. The Australian Prudential Regulation Authority (APRA) is the prudential regulator of …