Banking

CPS 510 Governance requires all entities (excluding RSE licensees) to maintain a governance framework in line with their size, type and complexity.

CPS 520 Fit and Proper requires all entities (excluding RSE licensees) to determine the fitness and propriety of individuals in positions of responsibility.

APG 520 Fit and Proper provides guidance for ADIs on CPS 520 Fit and Proper.

CPS 511 Remuneration requires entities to maintain a remuneration framework that meets prescribed objectives.

CPG 511 Renumeration provides guidance to all entities on CPS 511 Renumeration.

3PS 310 Audit and Related Matters requires Level 3 Heads to appoint an auditor to provide independent advice.

APS 310 Audit and Related Matters requires ADIs to appoint an auditor to provide independent advice.

APS 330 Public Disclosure requires ADIs to publicly disclose key information on financial metrics and remuneration practices.

3PS 001 Definitions defines key terms used in prudential standards that apply to level 3 heads.

APS 001 Definitions defines key terms used in prudential standards that apply to ADIs and authorised non-operating holding companies.

CPS 220 Risk Management requires all entities (excluding RSE licensees) to maintain a risk management framework that covers all material risks.

CPG 220 Risk Management provides guidance to ADIs, general insurers, life insurers and private health insurers on CPS 220 Risk Management.

CPG 229 Climate Change Financial Risks provides guidance for all entities on their core risk management and governance requirements.

CPG 230 Operational Risk Management assists entities with the implementation of, and compliance with, CPS 230

CPS 231 Outsourcing requires ADIs, general insurers and life insurers to manage risks from outsourced business activities.

CPG 231 Outsourcing provides guidance for ADIs, general insurers and life insurers on CPS 231 Outsourcing.

CPS 232 Business Continuity Management requires ADIs, general insurers and life insurers to plan for business disruptions.

CPG 233 Pandemic Planning provides guidance for all entities on their core risk management requirements.

CPS 234 Information Security requires entities to maintain information security capability.

CPG 234 Information Security provides guidance to all entities on CPS 234 Information Security.

CPG 235 Managing Data Risk provides guidance for all entities on their core risk management requirements.

APS 220 Credit Risk Management requires ADIs to maintain a credit risk management framework.

APG 220 provides guidance to ADIs on the requirements of APS 220

3PS 221 Aggregate Risk Exposures requires level 3 heads to manage their group's aggregated external exposures.

3PG 221 Aggregate Risk Exposures provides guidance to level 3 heads on 3PS 221 Aggregate Risk Exposures.

APS 221 Large Exposures requires ADIs to manage their large exposures and risk concentrations.

3PS 222 Intra-group Transactions and Exposures requires Level 3 Heads to manage risks from associations between group members.

3PG 222 Intra-Group Transactions and Exposures provides guidance to level 3 heads on 3PS 222 Intra-Group Transactions and Exposures.

APS 222 Associations with Related Entities requires ADIs to manage risks from their associations with related entities.

APG 223 Residential Mortgage Lending provides guidance for ADIs on their core risk management requirements.

CPS 226 Margining and Risk Mitigation for Non-Centrally Cleared Derivatives requires entities to meet prescribed margining requirements.

APS 110 Capital Adequacy requires ADIs to maintain adequate capital for various risks.

APG 110 Capital Adequacy provides guidance for ADIs on APS 110 Capital Adequacy.

CPG 110 Internal Capital Adequacy Assessment Process and Supervisory Review provides guidance for entities on their core financial resilience requirements.

APS 111 Capital Adequacy: Measurement of Capital requires ADIs to ensure regulatory capital meets prescribed criteria.

APS 112 Capital Adequacy: Standardised Approach to Credit Risk requires ADIs to maintain adequate capital for its credit risk exposures.

APG 112 Capital Adequacy: Standardised Approach to Credit Risk provides guidance to ADIs on the standardised approach to credit risk.

APS 113 Capital Adequacy: Internal Ratings-based Approach to Credit Risk requires ADIs to maintain adequate capital for their credit risk exposures.

APG 113 Capital Adequacy: Internal Ratings-based Approach to Credit Risk provides guidance to ADIs on using the IRB approach to credit risk.

APS 115 Capital Adequacy: Standardised Measurement Approach to Operational Risk requires ADIs to maintain adequate capital for their operational risks.

APS 116 Capital Adequacy: Market Risk requires ADIs to maintain adequate capital for market risk.

APG 116 Market Risk provides guidance for ADIs on APS 116 Market Risk.

APS 117 Capital Adequacy: Interest Rate Risk in the Banking Book requires some ADIs to maintain adequate capital for their interest rate risk.

APG 117 Interest Rate Risk in the Banking Book (Advanced ADIs) provides guidance for ADIs on APS 117 Interest Rate Risk.

APS 120 Securitisation requires ADIs to maintain adequate capital for the risks associated with securitisation.

APG 120 Securitisation provides guidance to ADIs on APS 120 Securitisation.

APS 121 Covered Bonds requires ADIs to adopt policies and procedures to manage risks related to issuing covered bonds.

APS 180 Capital Adequacy: Counterparty Credit Risk requires ADIs to maintain adequate capital for their counterparty credit risks.

APS 210 Liquidity requires ADIs to have stable funding and manage their liquidity risks. ADIs must maintain enough liquidity to meet their obligations.

Prudential Practice Guides (PPGs) provide guidance on APRA’s view of sound practice in particular areas. PPGs frequently discuss legal requirements from legislation, regulations or APRA’s prudential standards, but do not themselves create enforceable requirements. Prudential Standard APS 210 Liquidity (APS 210) sets out APRA’s requirements for authorised deposit-taking institutions (ADIs) in relation to the management and measurement of liquidity risk. This PPG aims to assist ADIs in complying with those requirements and, more generally, to outline prudent practice in relation to the management and measurement of liquidity risk. Not all practices outlined in this PPG will be relevant for every ADI and some aspects may vary depending upon the size, complexity and risk profile of the ADI.

APS 610 Purchased Payment Facilities requires purchased payment facility providers to meet requirements in line with their risk profile.

CPS 190 Recovery and Exit Planning requires entities to maintain a credible recovery and exit plan. It applies to ADIs and insurers from 1 January 2024, and to RSE licensees from 1 January 2025.

CPG 190 Recovery and Exit Planning provides guidance to most entities on CPS 190 Recovery and Exit Planning. It applies to ADIs and insurers from 1 January 2024, and to RSE licensees from 1 January 2025.

CPS 900 Resolution Planning requires significant financial institutions (SFIs), and other institutions that provide critical functions, to plan for resolution.

CPG 900 Resolution Planning provides guidance to SFIs and to non-SFIs that provide critical functions on CPS 900 Resolution Planning.

APS 910 Financial Claims Scheme requires ADIs to be prepared to support APRA's administration of the Financial Claims Scheme (FCS).