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["3.7d All Banks: Capital and Asset Ratios"]
[]
[]
[{"$nulls":12},"Banks (a)",{"$nulls":14},"Savings banks"]
[" end",null,null,"     Capital ratio (b)",{"$nulls":5},"Non-callable",{"$nulls":4},"LGS assets (d)",{"$nulls":5},"Prime assets (e)",{"$nulls":3},"Liquid",null,null,"Reserve",null,null,"Prescribed"]
["June ",null,null,"     Tier 1",null,null,"  Total",null,null," deposits (c)",null,null,"  Actual",null,null,"Minimum",null,null,"  Actual",null,null,"Minimum",null,null,"assets (f)",null,null,"assets (g)",null,null," assets (h)"]
[]
[{"$nulls":18},"Per cent"]
["1955",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",{"$nulls":5},". . "]
["1956",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,{"v":14,"d":"14.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1957",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,{"v":14,"d":"14.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1958",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,{"v":14,"d":"14.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1959",null,null,". . ",null,null,". . ",null,null,". . ",null,null,". . ",null,null,{"v":14,"d":"14.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1960",null,null,". . ",null,null,". . ",null,null,17.5,null,null,18.9,null,null,{"v":16,"d":"16.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1961",null,null,". . ",null,null,". . ",null,null,13.5,null,null,{"v":19.41,"d":"19.4"},null,null,{"v":16,"d":"16.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1962",null,null,". . ",null,null,". . ",null,null,10.5,null,null,24.5,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1963",null,null,". . ",null,null,". . ",null,null,11.5,null,null,23.9,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":70,"d":"70.0"}]
["1964",null,null,". . ",null,null,". . ",null,null,15.5,null,null,{"v":24,"d":"24.0"},null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1965",null,null,". . ",null,null,". . ",null,null,13.8,null,null,22.2,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1966",null,null,". . ",null,null,". . ",null,null,9.4,null,null,24.2,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1967",null,null,". . ",null,null,". . ",null,null,8.9,null,null,23.7,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1968",null,null,". . ",null,null,". . ",null,null,{"v":8,"d":"8.0"},null,null,21.9,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1969",null,null,". . ",null,null,". . ",null,null,{"v":9,"d":"9.0"},null,null,22.9,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1970",null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},null,null,20.5,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":65,"d":"65.0"}]
["1971",null,null,". . ",null,null,". . ",null,null,8.9,null,null,21.3,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":60,"d":"60.0"}]
["1972",null,null,". . ",null,null,". . ",null,null,7.1,null,null,23.7,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":60,"d":"60.0"}]
["1973",null,null,". . ",null,null,". . ",null,null,7.6,null,null,23.1,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":60,"d":"60.0"}]
["1974",null,null,". . ",null,null,". . ",null,null,7.5,null,null,19.2,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,{"v":10,"d":"10.0"},{"$nulls":5},{"v":60,"d":"60.0"}]
["1975",null,null,". . ",null,null,". . ",null,null,{"v":3,"d":"3.0"},null,null,26.2,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":50,"d":"50.0"}]
["1976",null,null,". . ",null,null,". . ",null,null,{"v":5,"d":"5.0"},null,null,23.9,null,null,{"v":23,"d":"23.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":50,"d":"50.0"}]
["1977",null,null,". . ",null,null,". . ",null,null,{"v":9,"d":"9.0"},null,null,21.5,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":45,"d":"45.0"}]
["1978",null,null,". . ",null,null,". . ",null,null,{"v":4,"d":"4.0"},null,null,21.4,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":45,"d":"45.0"}]
["1979",null,null,". . ",null,null,". . ",null,null,5.5,null,null,21.4,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":40,"d":"40.0"}]
["1980",null,null,". . ",null,null,". . ",null,null,{"v":6,"d":"6.0"},null,null,18.9,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":40,"d":"40.0"}]
["1981",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,20.3,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":40,"d":"40.0"}]
["1982",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,19.1,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",null,null,7.5,{"$nulls":5},{"v":40,"d":"40.0"}]
["1983",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,18.7,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",{"$nulls":5},"15.0"]
["1984",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,18.6,null,null,{"v":18,"d":"18.0"},null,null,". . ",null,null,". . ",{"$nulls":5},"15.0"]
["1985",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,". . ",null,null,". . ",{"$nulls":5},{"v":12,"d":"12.0"},{"$nulls":5},"15.0"]
["1986",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,". . ",null,null,". . ",null,null,12.9,null,null,{"v":12,"d":"12.0"},{"$nulls":5},"15.0"]
["1987",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,". . ",null,null,". . ",null,null,{"v":13,"d":"13.0"},null,null,{"v":12,"d":"12.0"},{"$nulls":5},"13.0"]
["1988",null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,". . ",null,null,". . ",null,null,12.9,null,null,{"v":12,"d":"12.0"},{"$nulls":5},"13.0"]
["1989",null,null,". . ",null,null,". . ",null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,11.1,null,null,{"v":10,"d":"10.0"},{"$nulls":5},"13.0"]
["1990",null,null,6.1,null,null,9.3,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,7.7,null,null,{"v":6,"d":"6.0"}]
["1991",null,null,6.4,null,null,10.1,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,7.5,null,null,{"v":6,"d":"6.0"}]
["1992",null,null,{"v":7,"d":"7.0"},null,null,10.2,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,7.8,null,null,{"v":6,"d":"6.0"}]
["1993",null,null,7.3,null,null,10.8,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,{"v":8,"d":"8.0"},null,null,{"v":6,"d":"6.0"}]
["1994",null,null,8.5,null,null,11.9,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,8.4,null,null,{"v":6,"d":"6.0"},{"$nulls":8}," "]
["1995",null,null,9.1,null,null,12.1,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,8.7,null,null,{"v":6,"d":"6.0"}]
["1996",null,null,8.4,null,null,11.1,null,null,{"v":1,"d":"1.0"},null,null,". . ",null,null,". . ",null,null,{"v":7,"d":"7.0"},null,null,{"v":6,"d":"6.0"}]
[]
[]
[]
["(a)","Includes those institutions that were formerly known as trading banks. Excludes the Reserve Bank and those institutions that were formerly"]
[null,"known as savings banks. The formal distinction between trading and savings banks was removed in December 1989."]
["(b)","The ratio of capital to total risk-weighted assets. Excludes foreign banks authorised to operate in Australia as branches. Since 1988 "]
[null,"Australian banks have been required to maintain an aggregate capital ratio of 8 per cent. For further details see \"Capital Adequacy of"]
[null,"Australian banks\" in the RBA Bulletin for December 1994. "]
["(c)","Between 1960 and 1988 refers to the required proportion of Australian deposits that major trading banks were required to hold in Statutory"]
[null,"Reserve Deposits (SRD) with the Reserve Bank. Prior to the Banking Act 1959, trading banks were required to lodge amounts in a"]
[null,"special account with the Commonwealth Bank. In September 1988, the SRD ratio was reduced to zero and the funds in SRD accounts"]
[null,"were transferred to \"non-callable deposits\". All banks (trading and savings) are required to hold 1 per cent of all liabilities other than"]
[null,"capital, which are invested in Australian dollar assets within Australia, in non-callable deposits. "]
["(d)","The LGS ratio was a convention, without statutory basis, introduced in March 1956, under which trading banks agreed to hold a minimum proportion"]
[null,"of depositors' balances in liquid assets and government securities. It was replaced in May 1985 by the prime assets ratio (PAR) arrangements.  "]
["(e)","PAR: the proportion of a bank's total liabilities (other than capital) which are invested in Australian dollar assets within Australia, that must be held "]
[null,"in high quality readily cashable assets. At June 1995 comprised Commonwealth Government securities (CGS), liabilities of the Reserve"]
[null,"Bank and loans to authorised money market dealers against the security of CGS. Prior to February 1990 also included non-callable deposits."]
["(f)","The minimum proportion of depositors' balances to be held in liquid assets. The assets were Treasury notes and deposits with the Reserve Bank."]
["(g)","From August 1982 (including a transition priod to June 1983), the liquid and prescribed asset ratios were replaced by a single reserve asset"]
[null,"ratio. Reserve assets were cash, deposits with the Reserve Bank and CGS, and, from August 1984, loans to authorised money market dealers"]
[null,"that were secured by CGS. Superseded by the prime assets ratio from December 1989."]
["(h)","The minimum proportion of depositors' balances that a savings bank must hold in prescribed assets. To August 1963, prescribed assets were "]
[null,"cash, CGS, deposits with the Reserve Bank and securities issued or guaranteed by a Commonwealth or State government authority. When the "]
[null,"ratio was reduced in August 1963, coverage was widened to include deposits with banks other than the Reserve Bank and loans to authorised "]
[null,"money market dealers. From January 1960, deposits with trading banks were limited to $4 million plus 2.5 per cent of deposits."]
[]
["Sources:",null,null,"\"Press Release\", Reserve Bank of Australia, Sydney, occasional."]
[{"$nulls":3},"White, R.C., \"Australian Banking and Monetary Statistics 1945-1970\", Occasional Paper No. 4B, Reserve Bank of Australia, Sydney, 1973."]
[{"$nulls":3},"\"Reserve Bank of Australia Bulletin\", Sydney, monthly."]
["Updated 3 September 1996"]