Financial Sector (Collection of Data) (reporting standard) determination No. 23 of 2016

Reporting Standard ARS 796.0 Points of Presence

I, Steve Davies, delegate of APRA, under paragraph 13(1)(a) of the Financial Sector (Collection of Data) Act 2001 (the Act) and subsection 33(3) of the Acts Interpretation Act 1901:

(a)     REVOKE Financial Sector (Collection of Data) (reporting standard) determination No. 54 of 2008, including Reporting Standard ARS 396.0 Points of Presence made under that Determination; and

(b)     DETERMINE Reporting Standard ARS 796.0 Points of Presence, in the form set out in the Schedule, which applies to the financial sector entities to the extent provided in paragraph 3 of the reporting standard.

Under section 15 of the Act, I DECLARE that the reporting standard shall begin to apply to those financial sector entities, and the revoked reporting standard shall cease to apply, on the date of registration of this instrument on FRLI.

This instrument takes effect on the date of registration on FRLI.

Dated: 26 October 2016

[Signed]

Steve Davies

General Manager

Statistics

Interpretation

In this Determination

APRA means the Australian Prudential Regulation Authority.

financial sector entity has the same meaning given by section 5 of the Act.

FRLI means the Federal Register of Legislation established under the Legislation Act 2003.

Schedule     

Reporting Standard ARS 796.0 Points of Presence comprises the 12 pages commencing on the following page.

Reporting Standard ARS 796.0

Points of Presence     

Authority

1.             This Reporting Standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001.

Purpose

2.             Information collected by this Reporting Standard is used by APRA for the purpose of publication.

Application

3.             This Reporting Standard applies to all authorised deposit-taking institutions (ADIs) other than purchased payment facility providers (PPF providers).

4.             This Reporting Standard applies for reporting periods ending on or after 30 June 2017.

Information required

5.             An ADI, to which this Reporting Standard applies, must provide APRA with the information required by ARF 796.1, ARF 796.2 and ARF 796.3 for those points of presence located within Australia in respect of each reporting period.

Form and method of submission

6.             The information required by this Reporting Standard must be given to APRA in electronic format using the ‘Direct to APRA’ (also known as ‘D2A’) application or, where ‘Direct to APRA’ is not available, by a method notified by APRA, in writing, prior to submission.

Note: the ‘Direct to APRA’ application software (also known as ‘D2A’) may be obtained from APRA.

Reporting periods and due dates

7.             Subject to paragraph 8, an ADI to which this Reporting Standard applies must provide the information required by this Reporting Standard in respect of each year ending on 30 June.

8.             APRA may, by notice in writing, change the reporting periods, or specified reporting periods, for a particular ADI, to require it to provide the information required by this Reporting Standard more frequently, or less frequently, having regard to the particular circumstances of the ADI.

9.             The information required by this Reporting Standard must be provided to APRA within 28 calendar days after the end of the reporting period to which the information relates.

10.         APRA may grant an ADI an extension of a due date, in writing, in which case the new due date for the provision of the information will be the date on the notice of extension.

Note: for the avoidance of doubt, if the due date for a particular reporting period falls on a day other than a usual business day, an ADI is nonetheless required to submit the information required no later than the due date.

Quality control

11.         All information provided by an ADI under this Reporting Standard must be subject to processes and controls developed by the ADI for the internal review and authorisation of that information. These systems, processes and controls are to assure the completeness and reliability of the information provided.

Authorisation

12.         When an ADI submits information under this Reporting Standard using the D2A software, it will be necessary for an officer of the ADI to digitally sign, authorise and encrypt the relevant information. For this purpose, APRA’s certificate authority will issue ‘digital certificates’, for use with the software, to officers of the ADI who have authority from the ADI to transmit the information to APRA.

Minor alterations to forms and instructions

13.         APRA may make minor variations to:

(a)           a form that is part of this Reporting Standard, and the instructions to such a form, to correct technical, programming or logical errors, inconsistencies or anomalies; or

(b)          the instructions to a form, to clarify their application to the form

without changing any substantive requirement in the form or instructions.

14.         If APRA makes such a variation, it must notify in writing each ADI that is required to report under this Reporting Standard.

Transitional

15.         An ADI must report under the old reporting standard in respect of a transitional reporting period. For these purposes:

old reporting standard means the reporting standard revoked in the determination making this reporting standard (being the reporting standard which this reporting standard replaces).

transitional reporting period means a reporting period under the old reporting standard:

(a)           which ended before the date of revocation of the old reporting standard; and

(b)          in relation to which the ADI was required, under the old reporting standard, to report by a date on or after the date of revocation of the old reporting standard.

Note: for the avoidance of doubt, if an ADI was required to report under an old reporting standard, and the reporting documents were due before the date of revocation of the old reporting standard, the ADI is still required to provide the overdue reporting documents in accordance with the old reporting standard.

Interpretation

16.         In this Reporting Standard:

ADI refers to an authorised deposit-taking institution, meaning a body corporate authorised under section 9 of the Banking Act 1959, to carry on banking business in Australia;

APRA means the Australian Prudential Regulation Authority established under the Australian Prudential Regulation Authority Act 1998;

Australia includes Australia and its offshore territories;

due date means the relevant due date under paragraph 9 or, if applicable, paragraph 10;

purchased payment facility provider means an ADI that is subject to a condition on its authority under section 9 of Banking Act 1959 confining the banking business that the ADI is authorised to carry on to providing purchased payment facilities; and

reporting period means a period mentioned in paragraph 7 or, if applicable, paragraph 8.

Reporting Form ARF 796

Points of Presence

Instructions

These instructions assist in the completion of the Points of Presence suite of forms. This suite consists of:

(a)           Reporting Form ARF 796.1 Points of Presence – Face-to-face service channels (ARF 796.1)

(b)          Reporting Form ARF 796.2 Points of Presence – ATMs (ARF 796.2)

(c)           Reporting Form ARF 796.3 Points of Presence – EFTPOS terminals (ARF 796.3)

These forms collect information about the type and location of service delivery channels, or ‘points of presence’, for authorised deposit-taking institutions (ADIs) within Australia. These forms require full disclosure of points of presence for face-to-face, Automatic Teller Machines (ATMs) and Electronic Funds Transfer at Point of Sale (EFTPOS) service channels, as defined in these instructions.

Reporting level

These forms are to be completed by all ADIs, other than purchased payment facility (PPF) providers, on a Level 1 basis.

Reporting basis and units of measurement

Items on ARF 796.1, ARF 796.2 and ARF 796.3 must be reported as at the last day of the relevant reporting period, i.e. 30 June each year.

The scope of the information required is limited to only those points of presence located within Australia, where Australia includes Australia and its offshore territories.

Longitude and latitude coordinates on ARF 796.1 and ARF 796.2 are to be reported as a number to four decimal places.

Number of points of presence on ARF 796.2 and ARF 796.3 are to be reported as a whole number.

Specific instructions

Terms highlighted in bold italics indicate that the definition is provided in these instructions.

Points of presence definitions

Information required under the heading of each service channel category in ARF 796.1, ARF 796.2 and ARF 796.3 is defined as follows:

Face-to-face point of presence

A face-to-face point of presence must satisfy the following criteria:

(a)           provide face-to-face services; and

(b)          maintain a fixed address.

Face-to-face points of presence are to be categorised as either a branch or another face-to-face point of presence, based on whether or not the point of presence meets APRA’s minimum branch requirements.

Branch

For a face-to-face point of presence to be categorised as a branch, the following minimum face-to-face services must all be provided.

A branch:

(a)           accepts cash and other deposits (including business deposits) and provides change;

(b)          facilitates the keeping of accounts for customer access, including the provision of account balances;

(c)           opens and closes accounts;

(d)          can facilitate or arrange the assessment of the credit risk of existing and potential customers; and

(e)           offers additional services in the one establishment such as financial services, business banking and specialist lending, if these are generally available from the ADI.

Paragraph (e) above does not necessarily mean that a financial adviser or business credit manager is to be available in the branch — the staff of the branch may simply act as a referral point for customers interested in these kinds of services.

Other face-to-face point of presence

A point of presence that satisfies the criteria to be a face-to-face point of presence but does not provide all of the minimum face-to-face services to be categorised as a branch will fall into the category of other face-to-face point of presence.

Examples of other face-to-face points of presence include but are not limited to agencies, head offices, mini-branches, etc.

ATM point of presence

An ATM point of presence is a terminal allowing an authorised cardholder to withdraw cash from either a cheque/savings or credit account. This can include Automatic Teller Machines (ATMs) and Cash Dispensers (CDs). Where the terminal is an ATM, it will also provide access to a varying range of other services such as balance inquiry, transfer of funds and acceptance of deposits. Authorisation is via a Personal Identification Number (PIN). Access is unassisted and may be 24 hours/day, depending on the terminal’s location.

The ADI that has ownership of the ATM and exchanges ATM transaction messages - such as a cash withdrawal or balance enquiry - in respect of that ATM (i.e. does not require a third-party switch to exchange transaction messages) is to report this terminal. ADIs are not to report ATMs that are supplied by other institutions even though the ADI has access to the third party owned ATM.

EFTPOS point of presence

An EFTPOS point of presence is a terminal located at a retail outlet which enables an authorised cardholder to purchase goods and services using either deposit or credit funds and may also enable cash withdrawals using deposit funds. Authorisation may be via a PIN or contactless payment. Access is with the assistance of the retailer and is therefore restricted to the operating hours of the retail outlet.

The ADI that has ownership of the EFTPOS terminal is to report this terminal.

For non-ADI owned terminals, the party or ADI which is responsible for key management of the terminal is to report this terminal. The provision of key management involves securing the transaction message at the point of capture. This would also include the exchanging of transaction messages (i.e. switching the transactions). For example, a third party who owns the terminal and has an ADI ‘driving’ the transactions, the ADI is to report these terminals.

Bank@Post

In an endeavor to ensure consistent reporting of Bank@Post outlets, APRA will obtain this information directly from Australia Post for outlets that perform banking services. ADIs should not report Bank@Post outlets as their own service channel.

ARF 796.1

This reporting form captures the number of face-to-face points of presence of an ADI.

Item 1 collects the number of face-to-face points of presence of an ADI.

All reported face-to-face points of presence must satisfy the criteria outlined in the definition of a face-to-face point of presence.

All reported branches must meet APRA’s minimum branch requirements.

ARF 796.2

This reporting form captures the number of ATM points of presence of an ADI.

Item 1 collects the number of ATM points of presence of an ADI.

All reported ATM points of presence must satisfy the criteria outlined in the definition of an ATM point of presence.

ARF 796.3

This reporting form captures the number of EFTPOS points of presence of an ADI.

Item 1 collects the number of EFTPOS points of presence of an ADI.

All reported EFTPOS points of presence must satisfy the criteria outlined in the definition of an EFTPOS point of presence.