ARTICLE · 11 FEBRUARY 2014

Refinements to LCR cashflow assumptions under the final APS 210

Clayton Utz

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The cashflow assumptions in the final APS 210 adopt those in the Basel III liquidity framework, with some changes.

AustraliaFinance and Banking

Louise McCoach

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Key Points:

The cashflow assumptions in the final APS 210 basically adopt those in the Basel III liquidity framework, with some changes.

The cashflow assumptions in the final APS 210 basically adopt those in the Basel III liquidity framework, subject to certain minor modifications or clarifications which are summarised below.

Intermediated deposits: In the May draft of APS 210, APRA treated deposits sourced via an intermediary differently to deposits sourced directly from the retail market. Generally, the former category has a less favourable run-off rate assigned to it. In response to submissions APRA clarified that a deposit sourced via an intermediary is limited to a situation "where a natural person places funds with an intermediary, which then places those funds with an ADI".

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