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RBA Glossary definition for systemic risks
systemic risks – Events which may jeopardise financial system stability and cause harm to the real economy. For example, the Y2K problem was regarded as such a risk. They may include the risk that the failure of one participant in a payments system, or in financial markets generally, to meet their required obligations when due, will cause other participants or financial institutions to be unable to meet their obligations (including settlement obligations in a transfer system) when due. Such a failure may cause significant liquidity or credit problems.
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Submission to the Senate Select Committee on Financial Technology and Regulatory Technology – December 2019 | Payments System | Submissions
28 Dec 2019
Submissions
and security risks associated with clearing activities’, but that it could be removed for settlement participants. ... requirements and risk-management controls’ which are not justified given the indirect participation options available.
https://www.rba.gov.au/publications/submissions/payments-system/financial-and-regulatory-technology/index.html
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit cards as sources of credit
8 May 2024
Submissions
There is relatively limited information available on the risk of credit card lending. ... to assume that banks’ risk models expect lower loss rates for some account holders and higher rates for others, for example borrowers who have tended to be
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-source-of-credit.html
Proposed Merger Between Armaguard and Prosegur – April 2023 | Responses and Options Paper
8 May 2024
Submissions
environment and mitigates the risk of (disorderly) exit of one of the Applicants. ... However, there are risks that the cost-plus nature of the pricing model may not adequately incentivise MergeCo to find efficiency savings in its operations moving
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-april-2023/index.html
Submission to the Inquiry into the Treasury Laws Amendment (Reserve Bank Reforms) Bill 2023 | Performance and Accountability | Submissions
2 Feb 2024
Submissions
It will help mitigate the risk of unrealistic public expectations of what monetary policy can achieve. ... beneficial. At the same time, this creates a risk that the objectives of the Governance Board and one of the Banks two policy boards come into
https://www.rba.gov.au/publications/submissions/other/inquiry-into-the-treasury-laws-amendment-reserve-bank-reforms-bill-2023/index.html
Inquiry into Mobile Payment and Digital Wallet Financial Services – July 2021 | Payments System | Submissions
8 May 2024
Submissions
competition and efficiency and control risk.
https://www.rba.gov.au/publications/submissions/payments-system/inquiry-into-mobile-payment-and-digital-wallet-financial-services/index.html
List of tables | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
Institution bears most of the risk. Investor bears most of the risk.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/tables.html
Background on the Australian Listed Equity Market | Financial Sector | Submissions
17 Sep 2021
Submissions
Graph 7. Equity markets generally offer a higher average return than safe assets, such as bonds, because investors need to be compensated for the additional risk that is associated with equities.
https://www.rba.gov.au/publications/submissions/financial-sector/background-on-the-australian-listed-equity-market-2021-09/index.html
List of tables | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions
1 Jan 1991
Submissions
Services. Some banks have developed into ‘financial supermarkets’ with services including investment and business management advice, insurance, superannuation, property and equity trusts, and risk management.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/tables.html
Appendix 3: The Capital Treatment of Financial Market Activities | Hedge Funds, Financial Stability and Market Integrity – March 1999 |…
1 Mar 1999
Submissions
If these exposures are on the balance sheet, a risk weight of 100 per cent applies. ... An amount equal to the market risk change must be held in capital.
https://www.rba.gov.au/publications/submissions/financial-sector/hedge-funds-financial-stability-and-market-integrity/appendix-3.html
The Reserve Bank's Response | Report to the Inquiry into Competition in the Banking and Non-Banking Sectors – May 2009 | Financial Sector | …
7 May 2009
Submissions
The report then considers the feasibility, appropriateness and risk of expanding the term to maturity of its repos. ... The Bank's repo operations are subject to a range of risks, including interest rate and credit risk.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-report-2009-05/reserve-bank-response.html