Financial Sector (Collection of Data) (reporting standard) determination No. 15 of 2025
Deposit Replicating PortfolioDeposit Replicating Portfolio
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Deposit Replicating Portfolio
In reporting the ADI’s Deposit Replicating Portfolio different methodologies apply in Table 1 and Table 2 based on the class of ADI and whether the ADI conducts behavioural analysis to determine core / non-core deposits. The methodology that applies is as per the following table.
Allocation methodology of core deposit balance to the repricing time buckets
| Class of ADI | Table 1 | Table 2 |
|---|---|---|
| Bank – Advanced | Internal behavioural assumptions (as per the Approved IRRBB model) | Internal behavioural assumptions |
| All other ADIs (except PPFs) who: | ||
| conduct behavioural analysis to determine core/non-core deposits | APRA prescribed | Internal behavioural assumptions |
| do not conduct behavioural analysis to determine core/non-core deposits | None* | None* |
*ADIs that do not conduct behavioural analysis to determine core/non-core deposits should not report a deposit replicating portfolio in Table 1 nor Table 2.
Entities required to allocate the core deposit balance to the repricing buckets according to the APRA prescribed profile should use the following allocation table.
Prescribed Repricing Profile for Core Deposits
| Time bucket | Proportion of Core deposits |
|---|---|
| Overnight (O/N) | -100% |
| 0 to < 1 month (excluding O/N) | 4% |
| 1 to < 2 months | 5% |
| 2 to < 3 months | 5% |
| 3 to < 6 months | 10% |
| 6 to < 9 months | 10% |
| 9 to < 12 months | 12% |
| 1 to < 2 years | 27% |
| 2 to < 3 years | 27% |
| 3+ years | 0% |
| Total | 0% |