{"id":"F2019L01106","name":"Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2019","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":99718,"registerId":"commonwealth-F2019L01106-current","compilationNumber":null,"startDate":"2026-04-02","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2019","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination\n\nNo. 2 of 2019\n\nInformation provided by authorised deposit-taking institutions under Reporting Standards ARS 720.0, ARS 720.1, ARS 720.2 and ARS 720.3\n\nAustralian Prudential Regulation Authority Act 1998\n\nI, Alison Bliss, a delegate of APRA, under paragraph 57(2)(b) of the Australian Prudential Regulation Authority Act 1998, DETERMINE that specified parts of a reporting document of a kind specified in the Schedule does not contain confidential information.\n\nThis determination commences on the date of registration on the Federal Register of Legislation.\n\nNote: The effect of this determination is that the non-confidential information may be published under subsection 56(5C) of the Australian Prudential Regulation Authority Act 1998.\n\nDated: 22 August 2019\n\n\\[Signed\\]\n\nAlison Bliss\n\nGeneral Manager\n\nData Analytics and Insights\n\nInterpretation\n\nIn this determination:\n\nAPRA means the Australian Prudential Regulation Authority.\n\nauthorised deposit-taking institution (ADI) has the meaning given in section 5 of the Banking Act 1959.\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\nParts of reporting documents covered by this determination\n\nThis determination only applies to information in the specified parts of reporting forms given to APRA by an ADI, under the following reporting standards, from the due date an ADI was required to provide the information specified in the relevant reporting standard to APRA:\n\n(a) Reporting Standard ARS 720.0 ABS/RBA Statement of Financial Position;\n\n Reporting form ABS/RBA Statement of Financial Position (Standard) (ARF 720.0A); and\n2. Reporting form ABS/RBA Statement of Financial Position (Reduced) (ARF 720.0B)\n\n```html\n

Reporting form

Item

ARF 720.0A and ARF 720.0B

Total currency and unallocated gold (Total)

Total funds on deposit at other financial institutions: Residents (Total)

ARF 720.0A

Total securities held for trading (Total)

Total securities held for trading: Debt securities (Total)

Total securities held for trading: Equity securities (Total)

ARF 720.0B

Total debt securities: of which Securities held for trading (Total)

Total equity securities: Securities held for trading (Total)

ARF 720.0A

Total securities not held for trading (Total)

Total securities not held for trading: Debt securities (Total)

Total securities not held for trading: Equity securities (Total)

ARF 720.0B

Total debt securities: of which Securities not held for trading (Total)

Total equity securities: Securities not held for trading (Total)

ARF 720.0A and ARF 720.0B

Net acceptances of customers (Total)

ARF 720.0A and ARF 720.0B

Total assets including intra-group assets (Total)

ARF 720.A

Total intra-group assets: of which: Due from non-residents (Total)

Total assets excluding intra-group assets: of which: Due from non-residents (Total)

ARF 720.0A and ARF 720.0B

Total assets including intra-group assets: of which: Assets that have been securitised (Total)

ARF 720.0A and ARF 720.0B

Total acceptances (Total)

ARF 720.0A and ARF 720.0B

Total borrowings (Short-term)

Total borrowings: Loans and finance leases: Non-residents (Short-term)

ARF 720.0A and ARF 720.0B

Total borrowings (Long-term)

Total borrowings: Loans and finance leases: Non-residents (Long-term)

\n```\n\n(b) Reporting Standard ARS 720.1 ABS/RBA Loans and Finance Leases;\n\n Reporting form ABS/RBA Loans and Finance Leases (Standard) (ARF 720.1A); and\n2. Reporting form ABS/RBA Loans and Finance Leases (Reduced) (ARF 720.1B)\n\n```html\n

Reporting form

Item

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Non-financial businesses (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Financial institutions (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: General government (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Households: Housing loans: Owner-occupied (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Households: Housing loans: Investment (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Households: Personal loans and finance leases: Credit cards (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Households: Personal loans and finance leases: Finance leases (Total gross of provisions)

Total loans and finance leases: Residents: Households Personal loans and finance leases: Margin loans (Total gross of provisions)

Total loans and finance leases: Residents: Households: Personal loans and finance leases: Fixed-term loans (Total gross of provisions)

Total loans and finance leases: Residents: Households: Personal loans and finance leases: Other revolving credit (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents: Community service organisations (Total gross of provisions)

ARF 720.1A and ARF 720.1B

Total loans and finance leases: Residents (Total gross of provisions)

\n```\n\n(c) Reporting Standard ARS 720.2 ABS/RBA Deposits; and\n\n Reporting form ABS/RBA Deposits (Standard) (ARF 720.2A); and\n2. Reporting form ABS/RBA Deposits (Reduced) (ARF 720.2B)\n\n| Reporting form | Item |\n| ------------------------- | ----------------------------------------------------------------------------------- |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits: Non-financial businesses (Total deposits) |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits: Financial institutions (Total deposits) |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits: General government (Total deposits) |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits: Households (Total deposits) |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits: Community service organisations (Total deposits) |\n| ARF 720.2A and ARF 720.2B | Total deposits: Resident deposits (Total deposits) |\n\n(d) Reporting Standard ARS 720.3 ABS/RBA Intra-group Assets and Liabilities.\n\n1. Reporting form ABS/RBA Intra-group Assets and Liabilities (ARF 720.3)\n\n| Reporting form | Item |\n| -------------- | --------------------------------------------------------------------- |\n| ARF 720.3 | Total intra-group assets: Loans and finance leases: Residents (Total) |\n| ARF 720.3 | Total intra-group liabilities: Deposits: Residents (Total) |","sortOrder":0}],"analysis":{"flash_summary":{"complexity_score":3,"scope_assessment":{"changed":false,"description":"The instrument itself specifies which parts of ARS 720 reporting documents are non-confidential and permits APRA publication under the APRA Act. The text does not purport to expand or narrow the statutory categories beyond listing those reporting items; it confines the non-confidential scope to the ARS 720 series forms and the listed fields."},"complexity_factors":["Statutory basis and cross-references: uses APRA Act paragraph 57(2)(b) and enables publication under subsection 56(5C), requiring readers to trace obligations across provisions.","Technical granularity: specifies many narrow line items across multiple reporting forms (ARF 720.0A/B, 720.1A/B, 720.2A/B, 720.3), increasing implementation detail for reporters.","Operational mapping burden: ADIs must identify and segregate the designated non-confidential fields in their reporting systems and submission processes.","Ambiguity risk over scope of 'specified parts': potential interpretation questions between 'standard' and 'reduced' forms and intra-group versus consolidated items.","Dependency on external definitions: relies on defined terms in the Banking Act 1959 and the Financial Sector (Collection of Data) Act 2001 for 'ADI' and 'reporting document'.","Timing/commencement mechanics: determination commences on registration, so administrative timing affects when publication rights arise."],"plain_english_summary":"This APRA determination declares specific data fields in authorised deposit-taking institutions' ARS 720 series reporting forms are not confidential, so APRA may publish those items under the APRA Act. It affects ADIs that submit the ARF 720.* balance-sheet, loans, deposits and intra‑group forms. It matters because it changes which submitted numeric reporting items APRA can disclose publicly, and therefore alters disclosure risk and reporting‑system mapping for those ADIs."},"kimi_summary":{"content_quality":"ok","complexity_score":3,"scope_assessment":{"changed":false,"description":"This determination serves its original narrow purpose: designating specific banking data fields as non-confidential to enable publication. It has not expanded beyond this confidentiality determination function."},"complexity_factors":["Short, single-purpose instrument (approximately 2 pages)","Only 3 defined terms in the interpretation section (APRA, ADI, reporting document)","No nested conditional logic or exceptions","Structure is straightforward: interpretation + schedule with tables","Heavy reliance on external references (reporting standards ARS 720.0-720.3) but these are clearly listed","Tabular format for specifying data fields makes content dense but not legally complex"],"plain_english_summary":"This APRA determination lifts confidentiality for specified data fields in certain bank reporting forms so APRA may publish them. It affects authorised deposit-taking institutions (banks, credit unions, building societies) and the public who can access the resulting aggregated information. The change boosts transparency about banks’ positions and activities—helpful for regulators, analysts and market participants—while individual customer details remain protected."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2019/documents"}}