Search: Four Pillars Policy
RBA Glossary definition for Four Pillars Policy
Four Pillars Policy – An Australian Government policy that there should be no fewer than four major banks to maintain appropriate levels of competition in the banking sector.
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Descriptive Analysis
31 Dec 2015
RDP
2015-06
Credit risk evaluation was shoddy. Corporate lending policies and procedures were not even compended into a credit policy manual until 1988, and even then contained serious omissions. ... business lending averaged 0.8 per cent over the four years
https://www.rba.gov.au/publications/rdp/2015/2015-06/des-analysis.html
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
Section 6 will conclude by discussing some policy implications and avenues for future research. ... In a stylised macro model designed to determine the effectiveness of monetary policy at low interest rates (including unconventional policies), an
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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Macrofinancial Stress Testing on Australian Banks
20 Sep 2022
RDP
2022-03
It also enables the scenario to incorporate changes in interest rates or fiscal policy, if desired. ... We begin by taking data on the internal credit ratings of banks' exposures from Pillar III reports.
https://www.rba.gov.au/publications/rdp/2022/2022-03/full.html
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Investigating the Role of Other Variables or Restrictions
31 Dec 2010
RDP
2010-03
inflation. For example, the European Central Bank's ‘two-pillar’ monetary policy framework might suggest such an approach, relating short- to medium-term inflation to real factors (such as output and ... on inflation expectations) which implies that
https://www.rba.gov.au/publications/rdp/2010/2010-03/investigating-role-other-variables.html
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Competition and Consumer Regulation | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
These have been the ‘six pillars’ policy, which has prevented mergers between the four largest banks and large life offices, and the ‘four plus one’ interpretation of the provisions of the ... The ‘six pillars’ policy has its origins in the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/competition-and-consumer-regulation.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
There are other, less direct, ways in which the four major banks are important to the Australian financial system and the economy. ... A significant share of their international exposures are in New Zealand; all four major banks have sizeable operations
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
The operation and effects of the ‘four pillars’ policy that ensures the separation of each of the four major banks is not addressed here – it has been discussed in Chapter 4 ... Claessens S (2009), ‘Competition in the Financial Sector: Overview
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Superannuation | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
retail funds have more than four members and offer superannuation products to the public on a commercial basis. ... accounts). Gross national saving is measured as the sum of saving from these four sectors.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/superannuation.html
Executive Summary | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
stability. There is general agreement that there are three main areas of regulation; prudential, consumer protection and competition policy. ... This would mean taking a fresh look at the ‘six pillars’ policy which prevents mergers between any of the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/executive-summary.html
Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
The strong growth in housing prices abated in late 2003, owing in part to policy initiatives (Kearns and Lowe 2011). ... This ensures that the structure of interest rates faced by households and businesses reflects the desired stance of monetary policy.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html