{"id":"F2022L00051","name":"Australian Prudential Regulation Authority (confidentiality) determination No. 1 of 2022","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":102242,"registerId":"commonwealth-F2022L00051-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No. 1 of 2022","content":"![](image.001.png)  \n\nAustralian Prudential Regulation Authority (confidentiality) determination No. 1 of 2022\n\nInformation provided by general insurers under relevant reporting documents\n\n![](image.002.png)Australian Prudential Regulation Authority Act 1998\n\nI, Alison Bliss, delegate of APRA:\n\n(a) under section 57 of the Australian Prudential Regulation Authority Act 1998 (the Act) and subsection 33(3) of the Acts Interpretation Act 1901, revoke the Australian Prudential Regulation Authority (confidentiality) determination No. 11 of 2015; and\n\n(b) under paragraph 57(2)(b) of the Act, determine all or a specified part of the reporting documents of a kind specified in Part 1, Part 2 or Part 3 of the Schedule do not contain confidential information.\n\nThis instrument commences upon registration on the Federal Register of Legislation.\n\nNote: The effect of this instrument is that the non-confidential information may be published under subsection 56(5C) of the Act.\n\nDated: 18 January 2022\n\n\\[Signed\\]\n\nAlison Bliss\n\nGeneral Manager\n\nData Analytics & Insights\n\nInterpretation\n\nIn this determination\n\nAPRA means the Australian Prudential Regulation Authority.\n\nreporting document means a reporting document within the meaning of section 13 of the Financial Sector (Collection of Data) Act 2001.\n\nSchedule\n\nPart 1 (Reporting documents covered by this determination)\n\nThis determination applies to quarterly and annual information in the reporting forms given to APRA by a general insurer under the following reporting standards, where a period of at least 14 days has elapsed from the date the general insurer was required to provide the information required under the reporting standards in accordance with paragraph 5 of Reporting Standard GRS 001 Reporting Requirements:\n\n    Current reporting standards\n\n    Reporting Standard GRS 112.0 Determination of Capital Base\n    Reporting Standard GRS 114.1 Assets by Counterparty Grade\n    Reporting Standard GRS 114.2 Derivatives Activity\n    Reporting Standard GRS 114.3 Off-balance Sheet Business\n    Reporting Standard GRS 114.4 Details of Investment Assets\n    Reporting Standard GRS 300.0 Statement of Financial Position\n    Reporting Standard GRS 310.0 Income Statement\n    Reporting Standard GRS 310.1 Premium Revenue and Reinsurance Expense\n    Reporting Standard GRS 310.2 Claims Expense and Reinsurance Recoveries\n    Reporting Standard GRS 310.3 Details of Income and Expenses\n    Reporting Standard GRS 400.0 Statement of Risk by Country\n    Reporting Standard GRS 410.0 Movement in Outstanding Claims Liabilities\n    Reporting Standard GRS 420.0 Premium Revenue by State and Territory of Australia\n    Reporting Standard GRS 430.0 Claims Expense by State and Territory of Australia\n    Reporting Standard GRS 440.0 Claims Development Tables\n\nAND\n\nThis determination applies to semi-annual and annual information in the reporting forms given to APRA by a parent entity of a Level 2 insurance group under the following reporting standards, where a period of at least 14 days has elapsed from the date the parent entity was required to provide the information required under the reporting standards in accordance with paragraph 7 of Reporting Standard GRS 001 Reporting Requirements:\n\n    2. Current reporting standards for level 2 insurance groups\n\n    Reporting Standard GRS 112.0\\_G Determination of Capital Base\n    Reporting Standard GRS 114.1\\_G Assets by Counterparty Grade\n    Reporting Standard GRS 114.3\\_G Off-balance Sheet Business\n    Reporting Standard GRS 300.0\\_G Statement of Financial Position\n    Reporting Standard GRS 302.0\\_G Statement of Financial Position by Region\n    Reporting Standard GRS 310.0\\_G Income Statement\n\nPart 2 (Parts of reporting documents covered by this determination)\n\nThis determination applies to quarterly and annual information in the following parts of reporting forms given to APRA by a general insurer under the following reporting standards, where a period of at least 14 days has elapsed from the date the general insurer was required to provide the information required under the reporting standards in accordance with paragraph 5 of Reporting Standard GRS 001 Reporting Requirements:\n\n    Current reporting standards\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Reporting standards                                                                 |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------- |\n| GRF 110.1: Prescribed Capital AmountSection 1: Summary of prescribed capital amount:Insurance Risk ChargeGRF 115.0: OCL Insurance Risk ChargeGRF 115.1: PL Insurance Risk ChargeGRF 116.0: Insurance Concentration Risk ChargeGRF 114. 0: Asset Risk ChargeGRF 117.0: Asset Concentration Risk ChargeGRF 118.0: Operational Risk ChargeAggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amountPrescribed capital amountSection 2: Capital Adequacy Assessment - All data itemsSection 3: Adjusted net assets in Australia - All data items                                                    | Reporting Standard GRS 110.1 Prescribed Capital Amount                              |\n| GRF 114.0: Asset Risk ChargeSection 1: Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios                                                                                                                                                                  | Reporting Standard GRS 114.0 Asset Risk Charge                                      |\n| GRF 115.0: Outstanding Claims Liabilities – Insurance Risk ChargeAll data items, excluding 'Adjustments and exclusions to prudential requirements for the OCL Insurance Risk Charge'                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Reporting Standard GRS 115.0 Outstanding Claims Liabilities - Insurance Risk Charge |\n| GRF 115.1: Premiums Liabilities – Insurance Risk ChargeAll data items, excluding 'Adjustments and exclusions to prudential requirements for the PL Insurance Risk Charge'                                                                                                                                                                                                                                                                                                                                                                                                                                                            | Reporting Standard GRS 115.1 Premiums Liabilities - Insurance Risk Charge           |\n| GRF 117.0: Asset Concentration Risk Charge (GEN)Capital baseAdjusted net assets in AustraliaSection 2A: Asset Concentration Risk Charge limits - All data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge | Reporting Standard GRS_117.0: Asset Concentration Risk Charge                       |\n| GRF 118.0: Operational Risk Charge (GEN)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge                                                                                                                                                                                                                                                                                                          | Reporting Standard GRS 118.0: Operational Risk Charge                               |\n\nAND\n\nThis determination applies to transitional information in the following parts of reporting forms given to APRA by a general insurer under the following reporting standards, where a period of at least 14 days has elapsed from the date the general insurer was required to provide the information required under the reporting standards in accordance with paragraph 5 of Reporting Standard GRS 001 Reporting Requirements:\n\n| Parts of reporting form covered by this determination                                                                                                              | Reporting standards                                                                     |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------- |\n| GRF 900.0_L: Statement of Financial Performance and Position (L) – All data itemsGRF_900.1_L: Premium Revenue, Reinsurance and Claims Expenses (L)– All data items | Reporting Standard GRS 900.0 Transitional Arrangements 2010 (Effective until July 2010) |\n\nAND\n\nThis determination applies to semi-annual and annual information in the following parts of reporting forms given to APRA by a parent entity of a Level 2 insurance group under the following reporting standards, where a period of at least 14 days has elapsed from the date the general insurer was required to provide the information required under the reporting standards in accordance with paragraph 7 of Reporting Standard GRS 001 Reporting Requirements:\n\n    2. Current reporting standards for level 2 insurance groups\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Reporting standards                                                                   |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------- |\n| GRF_110.1_G: Prescribed Capital Amount (G)Section 1 Summary of prescribed capital amount:Insurance Risk Charge:GRF_115.0_G: OCL Insurance Risk ChargeGRF_115.1_G: PL Insurance Risk Charge.GRF_116.0_G: Insurance - Concentration Risk Charge.GRF_114.0_G: Asset Risk Charge.GRF_117.0_G: Asset Concentration Risk Charge.GRF_118.0_G: Operational Risk Charge.Aggregation benefitAdjustments to prescribed capital amount as approved by APRA – Total amount.Prescribed capital amount.Section 2: Capital Adequacy Assessment – All data items                                                                                                                                                                                                              | Reporting Standard GRS 110.1_G Prescribed Capital Amount                              |\n| GRF_114.0 G: Asset Risk ChargeSection 1 : Asset Risk Charge calculationItems subject to stressImpact on capital baseRisk charge componentsAggregate risk charge componentLess: Tax benefits deductionAdjustments to Asset Risk Charge as approved by APRA – Total amountAsset Risk ChargeSection 2: Additional information8. Assets fair values subject to credit spreads stress9. Stressed asset values post credit spreads stress10. Yields used in stress scenarios                                                                                                                                                                                                                                                                                       | Reporting Standard GRS 114.0_G Asset Risk Charge                                      |\n| GRF_115.0A_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Class of Business (G)All data items, excluding 'Adjustments to OCL Insurance Risk Charge'                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge |\n| GRF_115.0B_G Outstanding Claims Liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Section 1: Direct business (Australian)All data itemsSection 2: Direct business (International)All data itemsSection 3: Reinsurance business (Australian)All data itemsSection 4: Reinsurance business (International)All data itemsSection 5: TotalTotal direct Australian business - All data itemsTotal direct International business - All data itemsTotal reinsurance Australian business - All data itemsTotal reinsurance International business - All data itemsGroup adjustmentsAdjustments to OCL Insurance Risk Charge as approved by APRATotal - All data itemsOCL surplus / (deficit) | Reporting Standard GRS 115.0_G Outstanding Claims Liabilities - Insurance Risk Charge |\n| GRF_115.1A_G Premiums Liabilities - Insurance Risk Charge - Australia by Class of Business (G)All data items, excluding 'Adjustments to PL Insurance Risk Charge'                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge           |\n| GRF_115.1B_G Premiums liabilities - Insurance Risk Charge - Australia by Region (G)Were actuarial services used to complete this return (Yes/No)Basis of preparationPART A: PREMIUMS LIABILITIES - GPS 320 BASISAll data itemsPART B: PREMIUMS LIABILITIES - AASB BASISAll data itemsPART C: ADDITIONAL POLICIES RISK CHARGEAll data itemsPART D: TOTAL PREMIUMS LIABILITIESSection 15: TotalTotal Australian direct business - All data itemsTotal Australian reinsurance business - All data itemsTotal International direct business - All data itemsTotal International reinsurance business - All data itemsGroup adjustmentsAdjustments to PL Insurance Risk Charge as approved by APRATotal - All data itemsPL surplus / (deficit) – All data items   | Reporting Standard GRS 115.1_G Premiums Liabilities - Insurance Risk Charge           |\n| GRF_117.0_G: Asset Concentration Risk Charge (G)Capital baseSection 2A: Asset Concentration Risk Charge limitsAll data itemsSection 3: Totals and risk charges3.1 Reinsurers with counterparty grade 43.2 Reinsurers with counterparty grade 5, 6 or 73.3 Reinsurance Asset Concentration Risk Charge3.4 Related parties part of an APRA-regulated group3.5 Unrelated parties part of an APRA-regulated group3.6 Other3.7 Non-reinsurance Asset Concentration Risk Charge3.8 Adjustments to Asset Concentration Risk Charge as approved by APRA – Total amount3.9 Asset Concentration Risk Charge                                                                                                                                                            | Reporting Standard GRS 117.0_G Asset Concentration Risk Charge                        |\n| GRF_118.0_G: Operational Risk Charge (G)Operational Risk Charge for inwards reinsurance business (ORCI) – All data itemsOperational Risk Charge for business that is not inwards reinsurance (ORCNI) - All data itemsAdjustments to Operational Risk Charge as approved by APRA – Total amountTotal Operational Risk Charge                                                                                                                                                                                                                                                                                                                                                                                                                                  | Reporting Standard GRS 118.0_G Operational Risk Charge                                |\n\nPart 3 (Superseded reporting documents covered by this determination)\n\nThis determination applies to quarterly and annual information in the following reporting forms or parts of reporting forms given to APRA by a general insurer under the following reporting standards:\n\nReporting standards which ceased to have effect for general insurers\n\nGeneral Insurance Reporting Standards (2013)\n\nReporting Standard GRS 112.0 Determination of Capital Base\n\n| Parts of reporting form covered by this determination   | Reporting standards                                    |\n| ------------------------------------------------------- | ------------------------------------------------------ |\n| GRF_440.0_L: Claims Development Table (L)All data items | Reporting Standard GRS 440.0 Claims Development Tables |\n\nGeneral Insurance Reporting Standards (2010)\n\n    Reporting Standard GRS 110.0 (2010) Minimum Capital Requirement\n    Reporting Standard GRS 120.0 (2010) Determination of Capital Base\n    Reporting Standard GRS 130.0 Balance Sheet Business - Credit Substitutes Provided and Capital Charge\n    Reporting Standard GRS 130.1 Off Balance Sheet Business - Liquidity Support Facilities Obtained\n    Reporting Standard GRS 130.2 Off Balance Sheet Business - Charges Granted and Risk Charge\n    Reporting Standard GRS 140 (2010) Investments\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                          | Reporting standards                                                               |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- |\n| GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE | Reporting Standard GRS 150.0 (2010) Asset Exposure Concentrations and Risk Charge |\n\n    g. Reporting Standard GRS 160.0 (2010) Derivative Activity and Risk Charge\n    h. Reporting Standard GRS 170.0 (2010) Concentration Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                          | Reporting standards                                     |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------- |\n| GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)All data itemsGRF_210_1_L: Premiums Liabilities - Insurance Risk Charge (L)All data items | Reporting Standard GRS 210 (2010) Insurance Risk Charge |\n\n    i. Reporting Standard GRS 300.0 (2010) Statement of Financial Position\n    j. Reporting Standard GRS 301.0 (2010) Reinsurance Assets and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                  | Reporting standards                                                   |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------- |\n| GRF_310.0_B: Statement of Financial Performance (B)All data itemsGRF_310.0_L: Statement of Financial Performance ( L)All data itemsGRF_310.1_L: Premium Revenue and Reinsurance ExpenseAll data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)All data itemsGRF_310.3_L: Details of Income and ExpensesAll data items | Reporting Standard GRS 310 (2010) Statement of Financial Performance  |\n| GRF_400.0_L: Statement of Risk by CountryAll data itemsGRF_410.0_L: Movement In Outstanding Claims Provision (L)All data itemsGRF_440.0_L: Claims Development Table (L)All data items                                                                                                                                                  | Reporting Standard GRS 400 (2010) Supplementary Reporting Information |\n\nGeneral Insurance Reporting Standards (2008)\n\n    Reporting Standard GRS 110.0 (2008) Minimum Capital Requirement\n    Reporting Standard GRS 120.0 (2008) Determination of Capital Base\n    Reporting Standard GRS 130.0 (2008) Balance Sheet Business - Credit Substitutes Provided and Capital Charge\n    Reporting Standard GRS 130.1 (2008) Off Balance Sheet Business - Liquidity Support Facilities Obtained\n    Reporting Standard GRS 130.2 (2008) Off Balance Sheet Business - Charges Granted and Risk Charge\n    Reporting Standard GRS 140.0 (2008) Investments - Direct Interest Rate Holdings and Risk Charge\n    Reporting Standard GRS 140.1 (2008) Investments - Direct Equity Holdings and Risk Charge\n    Reporting Standard GRS 140.2 (2008) Investments - Direct Property Holdings and Risk Charge\n    Reporting Standard GRS 140.3 (2008) Investments - Loans and Advances and Risk Charge\n    Reporting Standard GRS 140.4 (2008) Investments - Indirectly Held by Insurer and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                          | Reporting standards                                                     |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- |\n| GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE | Reporting Standard GRS 150.0 (2008) Asset Concentration and Risk Charge |\n\n    k. Reporting Standard GRS 160.0 (2008) Derivative Activity and Risk Charge\n\n| Parts of reporting form covered by this determination                               | Reporting standards                                                                      |\n| ----------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------- |\n| GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)All data items | Reporting Standard GRS 210.0 (2008) Outstanding Claims Provision - Insurance Risk Charge |\n| GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L)All data items         | Reporting Standard GRS 210.1 (2008) Premium Liabilities - Insurance Risk Charge          |\n\n    l. Reporting Standard GRS 300.0 (2008) Statement of Financial Position\n    m. Reporting Standard GRS 301.0 (2008) Reinsurance Assets and Risk Charge\n    n. Reporting Standard GRS 310.0 (2008) Statement of Financial Performance\n\n| Parts of reporting form covered by this determination                    | Reporting standards                                                           |\n| ------------------------------------------------------------------------ | ----------------------------------------------------------------------------- |\n| GRF_310.1_L: Premium Revenue and Reinsurance ExpenseAll data items       | Reporting Standard GRS 310.1 (2008) Premium Revenue and Reinsurance Expense   |\n| GRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)All data items | Reporting Standard GRS 310.2 (2008) Claims Expense and Reinsurance Recoveries |\n\n    o. Reporting Standard GRS 310.3 (2008) Investment and Operating Income and Expense\n    p. Reporting Standard GRS 320.0 (2008) Reconciliation of Annual Disclosure\n    q. Reporting Standard GRS 400.0 (2008) Statement of Risk by Country\n\n| Parts of reporting form covered by this determination                   | Reporting standards                                                          |\n| ----------------------------------------------------------------------- | ---------------------------------------------------------------------------- |\n| GRF_410.0_L: Movement In Outstanding Claims Provision (L)All data items | Reporting Standard GRS 410.0 (2008) Movement in Outstanding Claims Provision |\n| GRF_440.0_L: Claims Development Table (L)All data items                 | Reporting Standard GRS 440.0 (2008) Claims Development Tables                |\n\nGeneral Insurance Reporting Standards (2007)\n\n    Reporting Standard GRS 110.0 (2007) Minimum Capital Requirement\n    Reporting Standard GRS 120.0 (2007) Determination of Capital Base\n    Reporting Standard GRS 130.0 (2007) Balance Sheet Business - Credit Substitutes Provided and Capital Charge\n    Reporting Standard GRS 130.1 (2007) Off Balance Sheet Business - Liquidity Support Facilities Obtained\n    Reporting Standard GRS 130.2 (2007) Off Balance Sheet Business - Charges Granted and Risk Charge\n    Reporting Standard GRS 140.0 (2007) Investments - Direct Interest Rate Holdings and Risk Charge\n    Reporting Standard GRS 140.1 (2007) Investments - Direct Equity Holdings and Risk Charge\n    Reporting Standard GRS 140.2 (2007) Investments - Direct Property Holdings and Risk Charge\n    Reporting Standard GRS 140.3 (2007) Investments - Loans and Advances and Risk Charge\n    Reporting Standard GRS 140.4 (2007) Investments - Indirectly Held by Insurer and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                          | Reporting standards                                                               |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- |\n| GRF_150.0_B: Asset Exposure Concentrations and Risk Charge (B)Adjusted net assets in Australia.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGEGRF_150.0_L: Asset Exposure Concentrations and Risk Charge (L)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE | Reporting Standard GRS 150.0 (2007) Asset Exposure Concentrations and Risk Charge |\n\n    k. Reporting Standard GRS 160.0 (2007) Derivative Activity and Risk Charge\n    l. Reporting Standard GRS 170.0 (2007) Concentration Risk Charge\n\n| Parts of reporting form covered by this determination                               | Reporting standards                                                                      |\n| ----------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------- |\n| GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L)All data items | Reporting Standard GRS 210.0 (2007) Outstanding Claims Provision - Insurance Risk Charge |\n| GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L)All data items         | Reporting Standard GRS 210.1 (2007) Premium Liabilities - Insurance Risk Charge          |\n\n    m. Reporting Standard GRS 300.0 (2007) Statement of Financial Position\n    n. Reporting Standard GRS 310.0 (2007) Statement of Financial Performance\n\n| Parts of reporting form covered by this determination                    | Reporting standards                                                           |\n| ------------------------------------------------------------------------ | ----------------------------------------------------------------------------- |\n| GRF_310.1_L: Premium Revenue and Reinsurance ExpenseAll data items       | Reporting Standard GRS 310.1 (2007) Premium Revenue and Reinsurance Expense   |\n| GRF_310.2_L: Claims Expense and Reinsurance Recoveries (L)All data items | Reporting Standard GRS 310.2 (2007) Claims Expense and Reinsurance Recoveries |\n\n    o. Reporting Standard GRS 310.3 (2007) Investment and Operating Income and Expense\n    p. Reporting Standard GRS 320.0 (2007) Reconciliation of Annual Disclosure\n    q. Reporting Standard GRS 400.0 (2007) Statement of Risk by Country\n\n| Parts of reporting form covered by this determination                                                          | Reporting standards                                                          |\n| -------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------- |\n| GRF_410.0_L: Movement In Outstanding Claims Provision (L)All data items                                        | Reporting Standard GRS 410.0 (2007) Movement in Outstanding Claims Provision |\n| GRF_440.0_L: Claims Development Table (B)All data itemsGRF_440.0_L: Claims Development Table (L)All data items | Reporting Standard GRS 440.0 (2007) Claims Development Tables                |\n\nGeneral Insurance Reporting Standards (2005)\n\n    Reporting Standard GRS 110.0 (2005) Minimum Capital Requirement\n    Reporting Standard GRS 120.0 (2005) Determination of Capital Base\n    Reporting Standard GRS 130.0 (2005) Balance Sheet Business - Credit Substitutes Provided and Risk Charge\n    Reporting Standard GRS 130.1 (2005) Off Balance Sheet Business - Liquidity Support Facilities Obtained\n    Reporting Standard GRS 130.2 (2005) Off Balance Sheet Business - Charges Granted and Risk Charge\n    Reporting Standard GRS 140.0 (2005) Investments - Direct Interest Rate Holdings and Risk Charge\n    Reporting Standard GRS 140.1 (2005) Investments - Direct Equity Holdings and Risk Charge\n    Reporting Standard GRS 140.2 (2005) Investments - Direct Property Holdings and Risk Charge\n    Reporting Standard GRS 140.3 (2005) Investments - Loans and Advances and Risk Charge\n    Reporting Standard GRS 140.4 (2005) Investments - Indirectly Held by Insurer and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                            | Reporting standards                                                               |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------- |\n| GRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Group)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Branch (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk charge | Reporting Standard GRS 150.0 (2005) Asset Exposure Concentrations and Risk Charge |\n\n    k. Reporting Standard GRS 160.0 (2005) Derivatives Activity and Risk Charge\n    l. Reporting Standard GRS 170.0 (2005) Maximum Event Retention and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                | Reporting standards                                                                      |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------- |\n| GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)All data itemsGRF_210_0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)All data items | Reporting Standard GRS 210.0 (2005) Outstanding Claims Provision - Insurance Risk Charge |\n| GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Licensed insurer)All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Group)All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Branch (Licensed insurer)All data items                         | Reporting Standard GRS 210.1 (2005) Premium Liabilities - Insurance Risk Charge          |\n\n    m. Reporting Standard GRS 300.0 (2005) Statement of Financial Position\n    n. Reporting Standard GRS 310.0 (2005) Statement of Financial Performance\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                   | Reporting standards                                                           |\n| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------- |\n| GRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Licensed insurer)All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Group)All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Branch (Licensed insurer)All data items       | Reporting Standard GRS 310.1 (2005) Premium Revenue and Reinsurance Expense   |\n| GRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Licensed insurer)All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Group)All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Branch (Licensed insurer)All data items | Reporting Standard GRS 310.2 (2005) Claims Expense and Reinsurance Recoveries |\n\n    o. Reporting Standard GRS 310.3 (2005) Investment and Operating Income and Expense\n    p. Reporting Standard GRS 320.0 (2005) Reconciliation of Annual Disclosure\n    q. Reporting Standard GRS 400.0 (2005) Statement of Risk by Country\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                | Reporting standards                                                          |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------- |\n| GRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Licensed insurer)All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Group)All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Branch (Licensed insurer)All data items | Reporting Standard GRS 410.0 (2005) Movement in Outstanding Claims Provision |\n| GRF_440.0_L: Claims Development Table – Insurer (Licensed insurer)All data itemsGRF_440.0_L: Claims Development Table – Group (Licensed insurer)All data itemsGRF_440.0_L: Claims Development Table – Branch (Licensed insurer)All data items                                        | Reporting Standard GRS 440.0 (2005) Claims Development Tables                |\n\nGeneral Insurance Reporting Standards (2002)\n\n    Reporting Standard GRS 110.0 (2002) Minimum Capital Requirement made on 28 June 2002\n    Reporting Standard GRS 120.0 (2002) Determination of Capital Base made on 28 June 2002\n    Reporting Standard GRS 130.0 (2002) Balance Sheet Business - Credit Substitutes Provided and Capital Charge made on 28 June 2002\n    Reporting Standard GRS 130.1 (2002) Off Balance Sheet Business - Liquidity Support Facilities Obtained made on 28 June 2002\n    Reporting Standard GRS 130.2 (2002) Off Balance Sheet Business - Charges Granted and Risk Charge made on 28 June 2002\n    Reporting Standard GRS 140.0 (2002) Investments - Direct Interest Rate Holdings and Risk Charge made on 28 June 2002\n    Reporting Standard GRS 140.1 (2002) Investments - Direct Equity Holdings and Risk Charge made on 28 June 2002\n    Reporting Standard GRS 140.2 (2002) Investments - Direct Property Holdings and Risk Charge made on 28 June 2002\n    Reporting Standard GRS 140.3 (2002) Investments - Loans and Advances and Risk Charge made on 28 June 2002\n    Reporting Standard GRS 140.4 (2002) Investments - Indirectly Held by Insurer and Risk Charge made on 28 June 2002\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                            | Reporting standards                                                                                    |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------ |\n| GRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Insurer (Group)Totals – All data itemsTotal adjusted concentration risk chargeGRF_150.0: Asset Exposure Concentrations and Risk Charge – Branch (Licensed insurer)Totals – All data itemsTotal adjusted concentration risk charge | Reporting Standard GRS 150.0 (2002) Asset Exposure Concentrations and Risk Charge made on 28 June 2002 |\n\n    k. Reporting Standard GRS 160.0 (2002) Derivatives Activity and Risk Charge made on 28 June 2002\n    l. Reporting Standard GRS 170.0 (2002) Maximum Event Retention and Risk Charge made on 28 June 2002\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                | Reporting standards                                                                                           |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------- |\n| GRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Licensed insurer)All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Insurer (Group)All data itemsGRF_210.0_L: Outstanding Claims Provision - Insurance Risk Charge (L) – Branch (Licensed insurer)All data items | Reporting Standard GRS 210.0 (2002) Outstanding Claims Provision - Insurance Risk Charge made on 28 June 2002 |\n| GRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Licensed insurer)All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Insurer (Group)All data itemsGRF_210.1_L: Premiums Liabilities - Insurance Risk Charge (L) – Branch (Licensed insurer)All data items                         | Reporting Standard GRS 210.1 (2002) Premium Liabilities - Insurance Risk Charge made on 28 June 2002          |\n\n    m. Reporting Standard GRS 300.0 (2002) Statement of Financial Position made on 28 June 2002\n    n. Reporting Standard GRS 310.0 (2002) Statement of Financial Performance made on 28 June 2002\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                   | Reporting standards                                                                                |\n| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------- |\n| GRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Licensed insurer)All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Insurer (Group)All data itemsGRF_310.1_L: Premium Revenue and Reinsurance Expense – Branch (Licensed insurer)All data items       | Reporting Standard GRS 310.1 (2002) Premium Revenue and Reinsurance Expense made on 28 June 2002   |\n| GRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Licensed insurer)All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Insurer (Group)All data itemsGRF_310.2_L: Claims Expense and Reinsurance Recoveries – Branch (Licensed insurer)All data items | Reporting Standard GRS 310.2 (2002) Claims Expense and Reinsurance Recoveries made on 28 June 2002 |\n\n    o. Reporting Standard GRS 310.3 (2002) Investment and Operating Income and Expense made on 28 June 2002\n    p. Reporting Standard GRS 320.0 (2002) Reconciliation of Annual Disclosure made on 28 June 2002\n    q. Reporting Standard GRS 400.0 (2002) Statement of Risk by Country made on 28 June 2002\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                | Reporting standards                                                                               |\n| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------- |\n| GRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Licensed insurer)All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Insurer (Group)All data itemsGRF_410.0_L: Movement In Outstanding Claims Provision – Branch (Licensed insurer)All data items | Reporting Standard GRS 410.0 (2002) Movement in Outstanding Claims Provision made on 28 June 2002 |\n| GRF_440.0_L: Claims Development Table – Insurer (Licensed insurer)All data itemsGRF_440.0_L: Claims Development Table – Group (Licensed insurer)All data itemsGRF_440.0_L: Claims Development Table – Branch (Licensed insurer)All data items                                        | Reporting Standard GRS 440.0 (2002) Claims Development Tables made on 28 June 2002                |\n\nAND\n\nThis determination applies to semi-annual and annual information in the following reporting forms or parts of reporting forms given to APRA by a general insurer under the following reporting standards:\n\nReporting standards for level 2 insurance groups which ceased to have effect prior to 1 January 2013\n\nGeneral Insurance Reporting Standards (2011)\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Reporting standards                                               |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------- |\n| GRF_110.0_G Minimum Capital Requirement (G)GRF_131.0_G: Total off-balance sheet exposure risk chargeGRF_141.0_G: Listed equity holdings risk chargeGRF_150.0_G: Asset exposure concentration risk chargeGRF_300.0_G: Statement of financial position - Investment risk chargeGRF_301.0_G: Reinsurance assets and risk chargeDerivatives activity and risk charge – all data itemsConcentration risk charge for: GRF_210.0_G: OCL insurance risk chargeConcentration risk charge for: GRF_210.1_G: Premiums liabilities insurance risk chargeTotal variation in capital charges as approved by APRAMinimum capital requirementGRF_120.0_G: Determination of capital baseCapital surplus (deficiency)Solvency coverageCapital adequacy ratio % | Reporting Standard GRS 110.0_G (2011) Minimum Capital Requirement |\n\n    Reporting Standard GRS 120.0\\_G (2011) Determination of Capital Base\n\n| Parts of reporting form covered by this determination                                                                                                                                                                         | Reporting standards                                                                          |\n| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------- |\n| GRF_210.0A_G Outstanding Claims Liability - Insurance Risk Charge - Australia by class of business (G)All data itemsGRF_210.0B_G Outstanding Claims Liability - Insurance Risk Charge - Australia by region (G)All data items | Reporting Standard GRS 210.0_G (2011) Outstanding Claims Liabilities - Insurance Risk Charge |\n| GRF_210.1A_G Premium liabilities - Insurance Risk Charge - Australia by class of business (G)All data itemsGRF_210.1B_G Premium liabilities - Insurance Risk Charge - Australia by region (G)All data items                   | Reporting Standard GRS 210.1_G (2011) Premiums Liabilities - Insurance Risk                  |\n\n    b. Reporting Standard GRS 300.0\\_G (2011) Statement of Financial Position\n    c. Reporting Standard GRS 301.0\\_G (2011) Reinsurance Assets and Risk Charge\n    d. Reporting Standard GRS 302.0\\_G (2011) Statement of Financial Position by Region\n    e. Reporting Standard GRS 310.0\\_G (2011) Income Statement\n\nGeneral Insurance Reporting Standards (2009)\n\n| Parts of reporting form covered by this determination                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Reporting standards                                               |\n| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------- |\n| GRF_110.0_G Minimum Capital Requirement (G)GRF_131.0_G: Total off-balance sheet exposure risk chargeGRF_141.0_G: Listed equity holdings risk chargeGRF_150.0_G: Asset exposure concentration risk chargeGRF_300.0_G: Statement of financial position - Investment risk chargeGRF_301.0_G: Reinsurance assets and risk chargeDerivatives activity and risk charge – all data itemsConcentration risk charge for: GRF_210.0_G: OCL insurance risk chargeConcentration risk charge for: GRF_210.1_G: Premiums liabilities insurance risk chargeTotal variation in capital charges as approved by APRAMinimum capital requirementGRF_120.0_G: Determination of capital baseCapital surplus (deficiency)Solvency coverageCapital adequacy ratio % | Reporting Standard GRS 110.0_G (2009) Minimum Capital Requirement |\n\n    Reporting Standard GRS 120.0\\_G (2009) Determination of Capital Base\n    Reporting Standard GRS 131.0\\_G (2009) Off Balance Sheet Exposure Risk Charge\n    Reporting Standard GRS 141.0\\_G (2009) Listed Equity Holdings and Risk Charge\n\n| Parts of reporting form covered by this determination                                                                                        | Reporting standards                                                                          |\n| -------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------- |\n| GRF_150.0_G Asset Exposure Concentrations and Risk Charge (G)Capital base.GRADE 4 and 5 TOTALS – All data itemsNET CONCENTRATION RISK CHARGE | Reporting Standard GRS 150.0_G (2009) Asset Exposure Concentrations and Risk Charge          |\n| GRF_210.0_G Outstanding Claims Liability - Insurance Risk Charge (G)All data items                                                           | Reporting Standard GRS 210.0_G (2009) Outstanding Claims Liabilities - Insurance Risk Charge |\n| GRF_210.1_G Premium liabilities - Insurance Risk Charge (G)All data items                                                                    | Reporting Standard GRS 210.1_G (2009) Premiums Liabilities - Insurance Risk                  |\n\n    d. Reporting Standard GRS 300.0 G (2009) Statement of Financial Position\n    e. Reporting Standard GRS 301.0 G (2009) Reinsurance Assets and Risk Charge\n    f. Reporting Standard GRS 302.0\\_G (2009) Statement of Financial Position by Region\n    g. Reporting Standard GRS 310.0\\_G (2009) Income Statement","sortOrder":0}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"flash_summary":{"complexity_score":7,"scope_assessment":{"changed":true,"description":"Yes. The instrument expressly revokes Determination No. 11 of 2015 and replaces it with an updated list of reporting documents and form parts treated as non‑confidential. It expands and updates coverage to include current, transitional and many superseded reporting standards for general insurers and Level 2 group parents, and introduces the 14‑day delay condition tied to GRS 001 (see instrument text and Schedule, Parts 1–3)."},"complexity_factors":["Extensive Schedule enumerating many reporting standards, historical versions and discrete form parts across three Parts (Schedule, Parts 1–3).","Different temporal and entity conditions: quarterly/annual vs semi‑annual/annual, general insurers vs Level 2 group parents (Schedule, Parts 1 & 2).","14‑day timing condition linking release eligibility to Reporting Standard GRS 001 paragraphs 5 and 7 (Interpretation/Schedule).","Revocation and replacement of a prior instrument (No. 11 of 2015), requiring mapping from old coverage to new (operation paragraph (a)).","Some parts exclude particular items or note exceptions, requiring case‑by‑case assessment (e.g. exclusions in GRF 115.0/115.1 entries).","Implementation requires administrative checking of which returns and historical forms correspond to currently filed data (operational burden on insurers and APRA).","Legal cross‑references to the APRA Act publication power (subsection 56(5C)) and the Financial Sector (Collection of Data) Act reporting document definition increase interpretive demands."],"plain_english_summary":"This instrument revokes the 2015 APRA confidentiality determination and declares specified parts of general insurers' and Level 2 insurance group parents' reporting documents non‑confidential, so APRA may publish them after a 14‑day delay. It lists current, transitional and superseded reporting standards and particular form parts that are eligible for public disclosure (see Schedule, Parts 1–3). APRA (by delegate) decides publication; insurers supply the data and therefore face the compliance and disclosure consequences."},"kimi_summary":{"content_quality":"ok","complexity_score":7,"scope_assessment":{"changed":true,"description":"The original APRA confidentiality framework was likely designed to protect all prudential information submitted by regulated entities. This determination has expanded significantly beyond a simple confidentiality declaration into a comprehensive, retrospective archive system. It covers not just current reporting requirements but maintains publication rights over historical data spanning two decades (2002-2022), including multiple iterations of superseded standards. The scope has grown to encompass granular data items within forms rather than whole documents, and applies to both individual entities and consolidated group structures, reflecting the evolution of prudential reporting complexity over time."},"complexity_factors":["Extensive cross-referencing to external reporting standards (GRS series) spanning 20 years (2002-2022)","Multiple nested conditions: timing requirements (14-day delay), entity types (general insurers vs Level 2 insurance groups), and reporting frequencies (quarterly, annual, semi-annual)","Granular specification of form sections – some forms are covered in full, others only specific sections or data items","Historical layering: maintains coverage of superseded reporting standards from 2002, 2005, 2007, 2008, 2009, 2010, 2011, and 2013 versions","Dual framework structure: separate rules for individual general insurers and consolidated Level 2 insurance groups","Technical insurance terminology throughout (OCL Insurance Risk Charge, Premiums Liabilities, Asset Concentration Risk Charge, etc.)","Complex tabular formatting with fragmented presentation of reporting standards and covered sections"],"plain_english_summary":"This APRA determination names which financial information supplied by general insurers and their parent groups is not confidential and can be published, replacing the 2015 instrument. It covers current and historical reporting forms and certain detailed reporting elements, and makes data public after a 14‑day delay from the submission date. The change lets APRA publish more insurer financial information, increasing transparency for regulators and the public."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2022/documents"}}