Search: Four Pillars Policy

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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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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

Commonwealth of Australia: In the Australian Competition Tribunal – April 2004 | Payments System | Submissions

8 May 2024 Submissions
Survey data from Roy Morgan Research show that 63 per cent of the Australian population aged 18 and over used EFTPOS in the four weeks prior to the survey and that, ... A further 16 per cent of the population aged 18 and over used a credit card but not
https://www.rba.gov.au/publications/submissions/payments-system/au-competition-tribunal/index.html

List of tables | Submission to the Financial System Inquiry March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
Interconnectedness. (a). Loans and advances to. financial corporations. Four majors: 15–25 per cent. ... 5th largest: 6 per cent. Securities outstanding. Four majors: 14–19 per cent.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/tables.html

Submission to the Senate Select Committee on Financial Technology and Regulatory Technology – December 2019 | Payments System | Submissions

28 Dec 2019 Submissions
This greater interest prompted the Bank to review and update its ESA Policy earlier this year. ... Each of the four major banks and the Reserve Bank are able to appoint a director.
https://www.rba.gov.au/publications/submissions/payments-system/financial-and-regulatory-technology/index.html

Proposed merger between Armaguard and Prosegur – October 2022 | Responses and Options Paper

8 May 2024 Submissions
Bank does not have a contractual relationship for wholesale distribution of banknotes with the four approved CITs. ... There are currently four ACCOs: Armaguard; Brink's Australia Pty Limited; Prosegur; and Streamcorp Armoured (Streamcorp).
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-october-2022/index.html