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APRA

A collection of 11 issues

Explainer: Why scale matters so much in Australian banking

Australia’s smaller deposit-taking institutions are not necessarily being beaten on lending margins. APRA data suggest the much bigger problem is the cost of providing banking services at smaller scale.

Industry super's $320 billion bet on unlisted assets

Industry funds hold almost $320 billion in unlisted equity, property and infrastructure—more than six times the amount held by retail funds. The strategy offers potential benefits, but also creates a genuine valuation and transparency trade-off.

ANZ under Nuno Matos: growth remains a work in progress

ANZ has kept pace with the major banks in investor housing under Nuno Matos, but APRA data show weaker relative growth across business lending, owner-occupied mortgages and deposits.

Westpac under Anthony Miller: business growth strong, housing still lagging

Westpac is growing strongly in business lending and deposits under CEO Anthony Miller, but APRA data show it continues to lose relative ground in housing.

Understanding the ING prudential reporting failure

ING Australia appeared to hold a very large liquidity buffer, with published Liquidity Coverage Ratios around 160%. APRA has now revealed the true position was materially weaker and at times below the prudential minimum.

Could Macquarie become Australia’s fourth-largest mortgage bank by 2030?

Macquarie Bank is growing its Australian mortgage and deposit books at more than 20 per cent a year. APRA data suggest that, if recent percentage growth rates persist, it could overtake ANZ’s principal banking entity around 2030.

Home insurance premiums keep rising — but APRA data show no profit windfall

Home insurance is becoming increasingly expensive, but new APRA data show the householders insurance service result fell from a $1.15 billion profit to a small loss in 2025–26.

Mental health claims are becoming a superannuation cost problem

Mental-health-related TPD claims are surging, placing pressure on insurance premiums inside superannuation and creating a new tension with retirement adequacy.

Private health costs are rising — but insurer profits fell 16.6%

APRA data show private health insurance claims rose faster than premium revenue in 2025–26, while industry after-tax profit fell 16.6%.

Private health cover grows as hospital out-of-pocket costs jump 7.5%

More Australians are holding private health insurance, but APRA data show average hospital out-of-pocket costs rose 7.5% over the year to $513.24 per episode.

What do we know about superannuation fees? Some core data

APRA publishes detailed information on individual superannuation funds and their basic superannuation products (called MySuper products). Bringing those datasets together provides a useful starting point for understanding how large Australia's major funds are, what they charge members for administration, and whether greater scale is associated with lower fees.