APRA → regulates → BANK
Prudentially supervises authorised deposit-taking institutions.
Our functionsbanks
Bank / authorised deposit-taker
Provides deposit, lending and payment services under relevant licences.
Role, powers and limits
- Role
- Provides deposit, lending and payment services under relevant licences.
- Authority source
- See the linked official guidance for the relevant legal or contractual basis.
- Powers
- No separate powers claim is made for this concept in the initial dataset.
- Limits
- Credit is constrained by risk, funding, capital, regulation and demand.
- Oversight
- APRA for prudential regulation; ASIC for relevant conduct; other regulators have distinct roles.
- Review / appeal
- No separate review / appeal claim is made for this concept in the initial dataset.
- Money flows
- Monetary policy affects market interest rates; each lender sets its own products.
- Lending creates a loan claim; bank lending can also create deposit money.
- Repays principal and interest according to the loan agreement.
- Holds a deposit claim on the institution.
- A possible savings and payments relationship, not a universal requirement.
- A landlord with financing may repay a loan; borrowing is not universal.
Connected relationships
ASIC → regulates → BANK
Regulates relevant financial-services and consumer-credit conduct.
Our roleRBA → influences → BANK
Monetary policy affects market interest rates; each lender sets its own products.
Questions and answers about our roleBANK → lends → BORROWER
Lending creates a loan claim; bank lending can also create deposit money.
What is money?BORROWER → repays → BANK
Repays principal and interest according to the loan agreement.
Buying a houseDEPOSITOR → deposits → BANK
Holds a deposit claim on the institution.
What is money?PERSON → deposits → BANK
A possible savings and payments relationship, not a universal requirement.
What is money?BANK → supplies → PERSON
Banking and payments can enable participation; this is a practical dependency, not universal legal compulsion.
Our roleBANK → uses → PAYMENTS
Banking services depend on payment and settlement arrangements.
Our roleLANDLORD → repays → BANK
A landlord with financing may repay a loan; borrowing is not universal.
Buying an investment propertyBANK → holds → MORTGAGE
A lender can hold security; this is distinct from outright ownership.
Security for a loanPrimary and official sources
Our functions What is money?Last verified: