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Determinations/Financial (Other) as made
This instrument determines Reporting Standard ARS 747.0 ABS/RBA Deposit Stocks, Flows and Interest Rates.
Administered by: Treasury
Registered 11 Jun 2019
Tabling HistoryDate
Tabled HR02-Jul-2019
Tabled Senate02-Jul-2019

Financial Sector (Collection of Data) (reporting standard) determination No. 16 of 2019

Reporting Standard ARS 747.0 ABS/RBA Deposit Stocks, Flows and Interest Rates

Financial Sector (Collection of Data) Act 2001

 

I, Alison Bliss, delegate of APRA, under paragraph 13(1)(a) of the Financial Sector (Collection of Data) Act 2001 (the Act) DETERMINE Reporting Standard ARS 747.0 ABS/RBA Deposit Stocks, Flows and Interest Rates, in the form set out in the Schedule, which applies to the financial sector entities to the extent provided in paragraph 4 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 on 1 July 2019.

 

This instrument commences on 1 July 2019.

 

Dated: 4 June 2019

 

 

[Signed]

Alison Bliss

General Manager

Data Analytics & Insights Division

 

 

 

Interpretation

In this Determination:

APRA means the Australian Prudential Regulation Authority.

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

Schedule

 

Reporting Standard ARS 747.0 ABS/RBA Deposit Stocks, Flows and Interest Rates comprises the document commencing on the following page.


Reporting Standard ARS 747.0

ABS/RBA Deposit Stocks, Flows and Interest Rates

Objective of this Reporting Standard

This Reporting Standard outlines the requirements for the provision of information to APRA relating to an authorised deposit-taking institution’s or registered financial corporation’s deposit stocks, flows and interest rates.

It includes Reporting Form ARF 747.0A ABS/RBA Deposit Stocks, Flows and Interest Rates (Standard) and Reporting Form ARF 747.0B ABS/RBA Deposit Stocks, Flows and Interest Rates (Reduced) and the associated specific instructions.

Authority

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

Purpose

2.             Information collected by Reporting Form ARF 747.0A ABS/RBA Deposit Stocks, Flows and Interest Rates (Standard) (ARF 747.0A) and Reporting Form ARF 747.0B ABS/RBA Deposit Stocks, Flows and Interest Rates (Reduced) (ARF 747.0B) is used by the ABS and RBA for various purposes, including for policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.

3.             This Reporting Standard is an Economic and Financial Statistics (EFS) Reporting Standard for the purposes of Reporting Standard ARS 701.0 ABS/RBA Definitions for the EFS Collection (ARS 701.0)

Application and commencement

4.             This Reporting Standard applies to an authorised deposit-taking institution (ADI) or registered financial corporation (RFC) as set out in the table below, where ‘deposits’ are measured by the value reported in item 14 on Reporting Form ARF 720.0A/B ABS/RBA Statement of Financial Position (Standard)/(Reduced) (ARF 720.0A/B).

 

 

Class of financial institution

ARF 747.0A

ARF 747.0B

ADIs

Yes if deposits ≥ $25 billion

Yes if deposits ≥ $4 billion and deposits < $25 billion

RFCs

Yes if deposits ≥ $25 billion

Yes if deposits ≥ $4 billion and deposits < $25 billion

5.             APRA may from time to time determine that a threshold, or a higher threshold than that specified in paragraph 4 of this Reporting Standard, will apply to a particular ADI or RFC. If APRA does so it will notify the ADI or RFC concerned in writing. 

6.             This Reporting Standard applies for reporting periods ending on or after 31 July 2019.

Information required

7.             An ADI or RFC to which this Reporting Standard applies must provide APRA with the information required by this Reporting Standard for each reporting period on a domestic books consolidation.

Method of submission

8.             The information required by this Reporting Standard must be given to APRA in electronic format, using the ‘Direct to APRA’ application or by a method (i.e. a web-based solution) 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

9.             The information required by this Reporting Standard must be provided in respect of each calendar month by an ADI or RFC to which this Reporting Standard applies under paragraphs 4 or 5.

10.         The information required by this Reporting Standard must be provided to APRA within 15 business days after the end of the reporting period to which the information relates.

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

(a)           the particular circumstances of the ADI or RFC; and

(b)          the extent to which the information is required for the purposes of the ABS or RBA.

12.         APRA may grant an ADI or RFC 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.

Quality control

13.         All information provided by an ADI or RFC under this Reporting Standard must be the product of systems, processes and controls that have been reviewed and tested by the external auditor of the ADI or RFC as set out in Prudential Standard APS 310 Audit and Related Matters for ADIs or Reporting Standard RRS 710.0 ABS/RBA Audit Requirements for Registered Financial Corporations for RFCs. Relevant standards and guidance statements issued by the Auditing and Assurance Standards Board provide information on the scope and nature of the review and testing required from external auditors. This review and testing must be done on an annual basis or more frequently if required by the external auditor to enable the external auditor to form an opinion on the accuracy and reliability of the information provided by an ADI or RFC under this Reporting Standard.

14.         All information provided by an ADI or RFC under this Reporting Standard must be subject to systems, processes and controls developed by the ADI or RFC 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

15.         When an officer or agent of an ADI or RFC submits information under this Reporting Standard and uses the D2A application, or other method notified by APRA, it will be necessary for the officer or agent to digitally sign the relevant information using a digital certificate or other digital identity credential acceptable to APRA.

Minor alterations to forms and instructions

16.         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.

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

Interpretation

18.         Terms that are defined in ARS 701.0 appear in bold and italics in this Reporting Standard.

19.         In this Reporting Standard:

due date means the last day of the 15 business days provided for in paragraph 10 or, if applicable, the date on a notice of extension given under paragraph 12.

reporting period means a month of a year as provided for in paragraph 9 or, if applicable, the date on a notice given under paragraph 11.

20.         Unless the contrary intention appears, any reference to an Act, Prudential Standard, Reporting Standard, Australian Accounting or Auditing Standard is a reference to the instrument as in force or existing from time to time.


ARF_747_0A: ABS/RBA Deposits Stocks, Flows and Interest Rates (Standard)

 

Australian Business Number

Institution Name

Reporting Period

Scale Factor

Monthly

Reporting Consolidation

 

Domestic

 

 

1. Deposits outstanding - by counterparty & deposit type

 

Counterparty

Deposit type

Number

Value

Interest rate

Value of funds

Margin

(1)

(2)

(3)

(4)

(5)

(6)

(7)

 

 

 

 

 

 

 

Households

Fixed-term

 

 

 

 

 

Financial institutions - non-related parties

Other non-transaction

 

 

 

 

 

Financial institutions - related parties

Transaction - interest bearing

 

 

 

 

 

Non-financial businesses & community service organisations

Transaction - non-interest-bearing

 

 

 

 

 

General government

 

 

 

 

 

 

Other related parties

 

 

 

 

 

 

Other non-residents

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1. Total deposits outstanding

 

 

 

 

 

1.1.1. of which: Offset accounts linked to housing loans

 

 

 

 

 

1.1.2. of which: Offset accounts linked to personal loans

 

 

 

 

 

1.1.3. of which: Offset or set-off accounts linked to business loans

 

 

 

 

 

1.1.4. Interest-bearing deposits

 

 

 

 

 

1.1.5. Non-interest-bearing deposits

 

 

 

 

 

 

2. Deposits outstanding to resident households - by balance

 

Number

Value

Interest rate

(1)

(2)

(3)

2.1. Resident households

 

 

 

2.1.1. of which: Interest-bearing deposits

 

 

 

2.1.2. Balance >$0 to <=$50

 

 

 

2.1.3. Balance >$50 to <=$1 000

 

 

 

2.1.4. Balance >$1 000 to <=$25 000

 

 

 

2.1.5. Balance >$25 000 to <=$100 000

 

 

 

2.1.6. Balance >$100 000 to <=$250 000

 

 

 

2.1.7. Balance >$250 000 to <=$500 000

 

 

 

2.1.8. Balance >$500 000

 

 

 


 

3. Deposits outstanding to counterparties other than resident households  - by counterparty & balance

 

Counterparty

Deposit balance

Number

Value

Interest rate

(1)

(2)

(3)

(4)

(5)

 

 

 

 

 

Financial institutions - non-related parties

Balance > $0 to <= $50

 

 

 

Financial institutions - related parties

Balance > $50 to <= $25 000

 

 

 

Non-financial businesses & community service organisations

Balance > $25 000 to <= $250 000

 

 

 

General government

Balance > $250 000 to <= $500 000

 

 

 

Other related parties

Balance > $500 000 to <= $1 000 000

 

 

 

Other non-residents

Balance > $1 000 000 to <= $10 000 000

 

 

 

 

Balance > $10 000 000 to <= $100 000 000

 

 

 

 

Balance > $100 000 000

 

 

 

 

 

 

 

 

3.1. Total deposits outstanding to financial institutions

 

 

 

3.1.1. of which: Interest-bearing deposits

 

 

 

3.2. Total deposits outstanding to non-financial businesses & community service organisations

 

 

 

3.2.1. of which: Interest-bearing deposits

 

 

 

 

 

 

 

 

4. Fixed-term deposits outstanding - by counterparty & residual term

 

Counterparty

Residual term

Number

Value

Interest rate

Weighted average residual term

Value of funds

Margin

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 

 

 

 

 

 

 

 

Households

Term <= 1 month

 

 

 

 

 

 

Financial institutions - non-related parties

Term > 1 month to <= 3 months

 

 

 

 

 

 

Financial institutions - related parties

Term > 3 months to <= 6 months

 

 

 

 

 

 

Non-financial businesses & community service organisations

Term > 6 months to <= 12 months

 

 

 

 

 

 

General government

Term > 12 months to <= 2 years

 

 

 

 

 

 

Other related parties

Term > 2 years to <= 3 years

 

 

 

 

 

 

Other non-residents

Term > 3 years

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4.1. Total fixed-term deposits outstanding

 

 

 

 

 

 


 

5. New fixed-term deposits in the month - by counterparty & original term

 

Counterparty

Original term

Number

Value

Interest rate

Value of funds

Margin

(1)

(2)

(3)

(4)

(5)

(6)

(7)

 

 

 

 

 

 

 

Households

Term <= 1 month

 

 

 

 

 

Financial institutions - non-related parties

Term > 1 month to <= 3 months

 

 

 

 

 

Financial institutions - related parties

Term > 3 months to <= 6 months

 

 

 

 

 

Non-financial businesses & community service organisations

Term > 6 months to <= 12 months

 

 

 

 

 

General government

Term > 12 months to <= 2 years

 

 

 

 

 

Other related parties

Term > 2 years to <= 3 years

 

 

 

 

 

Other non-residents

Term > 3 years

 

 

 

 

 

 

 

 

 

 

 

 

5.1. Total new fixed-term deposits

 

 

 

 

 

5.1.1. of which: Households

 

 

 

 

 

5.1.2. of which: Financial institutions

 

 

 

 

 

5.1.3. of which: Non-financial businesses & community service organisations

 

 

 

 

 

5.1.4. of which: General government

 

 

 

 

 

5.1.5. of which: Other non-residents

 

 

 

 

 

 


Reporting Form ARF 747.0A

ABS/RBA Deposit Stocks, Flows and Interest Rates (Standard)

Instructions

These instructions assist completion of Reporting Form ARF 747.0A ABS/RBA Deposit Stocks, Flows and Interest Rates (Standard) (ARF 747.0A). ARF 747.0A collects information relating to the deposit stocks, flows and interest rates of ADIs and RFCs.

Information reported in ARF 747.0A is required primarily for purposes of the ABS and the RBA. This information is required for various purposes, including policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.

Reporting level

ARF 747.0A must be completed for each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.

Reporting basis and unit of measurement

These instructions specify the reporting basis and unit of measurement that applies to each item.

For reporting purposes, unless specified otherwise, enter data as a positive number.

Exclude deposit accounts with a nil deposit balance.

Counterparties

Include positions with non-residents on this form unless otherwise directed.  Refer to the specific instructions to determine where non-residents must be included, and whether non-residents are separately identified. 

Include positions with related parties on this form unless otherwise directed.  Refer to the specific instructions to determine where related parties must be included, and whether related parties are separately identified.  

Values

Unless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.

Report monetary amounts on ARF 747.0A in Australian dollars or the Australian dollar equivalent of the foreign currency. Convert amounts denominated in foreign currency to AUD in accordance with AASB 121 The Effects of Changes in Foreign Exchange Rates (AASB 121).

Report values on ARF 747.0A as whole numbers.

Numbers

Report numbers on ARF 747.0A unscaled, as whole numbers ADIs and RFCs.

The number of deposits refers to the number of deposit accounts. When reporting these figures:

·                treat an account shared by multiple parties as one deposit;

·                treat a deposit account with multiple sub-accounts as a separate deposit for each sub-account; and

·                treat one (non-negotiable) certificate of deposit as one deposit.

Averages

Report averages on ARF 747.0A unscaled, as numbers to two decimal places.

Interest rates

ADIs and RFCs are required to report contractual interest rates. Report interest rates as an annualised percentage rate (on a 365 days per year basis) to two decimal places.

Refer to the interest rates definition for further guidance (ARS 701.0).

In particular, note the instructions for the treatment of deposit accounts with more than one possible contractual interest rate and for the treatment of offset accounts and other offsetting products.

Value of funds and margin

Report value of funds and margin items as an annualised percentage rate to two decimal places.

Standard Business Reporting (SBR)

Report items on ARF 747.0A with accounting type of credit (liabilities). The accounting type (i.e. credit or debit) applies to all monetary items and represents the natural accounting treatment of the item collected.

Specific instructions

Terms highlighted in bold italics are defined in ARS 701.0.

All derived fields in the form are shaded in grey and are explained in words as a mathematical expression in these instructions. 

Examples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded. 

1.         Deposits outstanding – by counterparty and deposit type

Item 1 collects information on the stock of deposits by counterparty sector of the depositor and deposit type.

Reporting basis: report item 1 as at the end of the reporting period

Deposits by non-residents are to be included in item 1.

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 1. 

Column 1

Report according to the counterparty sector of the depositor (see item 1 for further details). 

Column 2

Report according to the deposit type (see item 1 for further details). 

Column 3

Report the total number of deposits

Column 4

Report the total value of deposits

Column 5

Report the weighted average interest rate on deposits

Column 6

Report the value of funds for deposits

Column 7

Report the margin on deposits

Column 7 is a derived column.  Report the margin column 7 as column 6 less column 5.

 

Report deposits for each combination of counterparty sector of the depositor and deposit type. 

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses or community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The deposit types are:

·                fixed-term deposits;

·                other non-transaction deposits;

·                transaction deposits that are interest-bearing; and

·                transaction deposits that are non-interest-bearing

The following reconciliations to other forms hold.

The total value of deposits (column 4) in item 1 for:

·                resident households must equal total deposit accounts by resident households reported in column 7 of item 1.1.1 on Reporting Form ARF 720.2A ABS/RBA Deposits (Standard) (ARF 720.2A) or column 4 of item 1.1.1 on Reporting Form ARF 720.2B ABS/RBA Deposits (Reduced) (ARF 720.2B).

·                resident financial institutions that are non-related parties must equal total deposit accounts by resident financial institutions reported in column 7 of item 1.1.5 on ARF 720.2A or column 4 of item 1.1.5 on ARF 720.2B.

·                Resident financial institutions that are related parties must equal deposits by resident financial institutions reported in column 1 of item 3.1.1.1.3 on the Reporting Form ARF 720.3 ABS/RBA Intra-group Assets and Liabilities (ARF 720.3).

·                 resident non-financial businesses and resident community service organisations must equal deposit accounts for resident non-financial businesses and resident community service organisations reported in column 7 of item 1.1.3 and 1.1.2 on ARF 720.2A or column 4 of item 1.1.3 and 1.1.2 on ARF 720.2B. 

·                 resident general government must equal total deposit accounts for resident general government reported in column 7 of item 1.1.4 on ARF 720.2A or column 4 of item 1.1.4 on 720.2B.

·                other related parties must equal total deposits reported in item 3.1.1 on ARF 720.3 less deposits reported in item 3.1.1.1.3 on the ARF 720.3. 

·                other non-residents must equal total deposits reported in column 7 of item 1.2 on the ARF 720.2A or in column 4 of item 1.2 on the ARF 720.2B. 

Report total deposits

Item 1.1 is a derived item.

Report the value and number (columns 3 and 4) in item 1.1 as the sum of item 1.

Report the interest rate, value of funds and margin (columns 5, 6 and 7) as the weighted average of item 1. 

For the value and number (columns 3 and 4), item 1.1 must also be equal to the sum of item 1.1.4 and item 1.1.5.

For interest rate, value of funds and margin (columns 5, 6 and 7), item 1.1 must also be equal to the weighted average of item 1.1.4 and item 1.1.5.

The following reconciliation to other forms also hold for ADIs and RFCs.

For the value of deposits (column 4), item 1.1 must be equal to the sum of:

·                total deposit accounts reported in column 7 of item 1 on ARF 720.2A or column 4 of item 1 on ARF 720.2B; and

·                deposits reported in column 1 of item 3.1.1 on the ARF 720.3.

Of the total reported in item 1.1, report offset accounts that are linked to loans to resident households for the purpose of housing

For the value of offset accounts (column 4), item 1.1.1 must be equal to column 7 of item 1.1.1.1 on ARF 720.2A or column 4 of item 1.1.1.1 on ARF 720.2B.

Of the total reported in item 1.1, report offset accounts that are linked to loans to resident households for personal purposes. 

Of the amount reported in item 1.1, report for offset and set-off accounts that are linked to loans to resident non-related parties that are non-financial businesses and community service organisations

Report interest-bearing deposits.

Report non-interest-bearing deposits.

For the weighted-average interest rate (column 5), item 1.1.5 must be equal to zero.

2.         Deposits outstanding to resident households – by balance

Item 2 collects information on the stock of deposits by resident households by deposit balance.

Reporting basis: report item 2 as at the end of the reporting period

Deposits by non-residents are excluded from item 2. 

Column 1

Report the total number of deposits

Column 2

Report the total value of deposits

Column 3

Report the weighted average interest rate on deposits

 

Item 2.1                      

Report deposits by resident households

Item 2.1 is a derived item.

For the number and value (columns 1 and 2), report deposits in item 2.1 as the sum of items 2.1.2 to 2.1.8 inclusive.

For the interest rate (column 3), report deposits in item 2.1 as the weighted average of items 2.1.2 to 2.1.8 inclusive.  

The number and value (columns 1 and 2) of deposits reported in item 2.1 must also equal item 1 (columns 3 and 4). 

The interest rate (column 3) of deposits reported in item 2.1 must also equal item 1 (column 5). 

Item 2.1.1         

Of the amount reported in item 2.1, report interest-bearing deposits.

Item 2.1.2         

Report deposit balances greater than $0 and less than or equal to $50.

Item 2.1.3         

Report deposit balances greater than $50 and less than or equal to $1 000.

Item 2.1.4         

Report deposit balances greater than $1 000 and less than or equal to $25 000.

Item 2.1.5         

Report deposit balances greater than $25 000 and less than or equal to $100 000.

Item 2.1.6         

Report deposit balances greater than $100 000 and less than or equal to $250 000.

Item 2.1.7         

Report deposit balances greater than $250 000 and less than or equal to $500 000.

Item 2.1.8         

Report deposit balances greater than $500 000.

3.         Deposits outstanding to counterparties other than resident households – by counterparty and balance

Item 3 collects information on the stock of deposits by counterparties other than resident households by counterparty sector and deposit balance.

Reporting basis: report item 3 as at the end of the reporting period

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 3. 

Column 1

Report according to the counterparty of the depositor (see item 3 for further details). 

Column 2

Report according to the deposit balance as at the end of the reporting period (see item 3 for further details).

Column 3

Report the number of deposits

Column 4

Report the value of deposits

Column 5

Report the weighted average interest rate on deposits

 

Report deposits for each combination of counterparty sector of the depositor and deposit balance as at the end of the reporting period

The counterparty sectors are:

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses or community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The deposit balance categories are:

·                deposit balance greater than $0 and less than or equal to $50;

·                deposit balance greater than $50 and less than or equal to $25 000;

·                deposit balance greater than $25 000 and less than or equal to $250 000; 

·                deposit balance greater than $250 000 and less than or equal to $500 000;

·                deposit balance greater than $500 000 and less than or equal to $1 000 000;

·                deposit balance greater than $1 000 000 and less than or equal to $10 000 000; and

·                deposit balance greater than $10 000 000 and less than or equal to $100 000 000; and

·                deposit balance greater than $100 000 000.

The total number, value and interest rate (columns 3, 4 and 5) of deposits for:

·                financial institutions – non-related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported for this category in item 1.

·                financial institutions – related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits for this category reported in item 1.

·                non-financial business & community services organisations reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits for this category reported in item 1.

·                general government reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits for this category reported in item 1.

·                other related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits for this category reported in item 1.

·                other non-residents reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits for this category reported in item 1.

Item 3.1                      

Report total deposits by resident financial institutions

Item 3.1 is a derived item.  Report the total number, value and interest rate (columns 3, 4 and 5) in item 3.1 as the total number, value and interest rate (columns 3, 4 and 5) for financial institutions – non-related parties and financial institutions – related parties reported in item 3. 

Item 3.1.1         

Of the amount reported in item 3.1, report for interest-bearing deposits.

Item 3.2                      

Report deposits by resident non-related parties that are non-financial businesses or community service organisations

Item 3.2 is a derived item. Report the total number, value and interest rate (columns 3, 4 and 5) in item 3.1 as the total number, value and interest rate (columns 3, 4 and 5) for non-financial businesses and community service organisations reported in item 3. 

Item 3.2.1         

Of the amount reported in item 3.2, report for interest-bearing deposits.

4.         Fixed-term deposits outstanding – by counterparty & residual term

Item 4 collects information on the stock of fixed-term deposits by counterparty of depositor and the residual term of the deposit.

Reporting basis: report item 4 as at the end of the reporting period

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 4.

Column 1

Report according to the counterparty of the depositor (see item 4 for further details). 

Column 2

Report according to the residual term of the fixed-term deposit (see item 4 for further details). 

Column 3

Report the number of fixed-term deposits.

Column 4

Report the value of fixed-term deposits

Column 5

Report the weighted average interest rate on fixed-term deposits

Column 6

Report the weighted average residual term for fixed-term deposits

To calculate and report this item, express each term as the number of days remaining to maturity/365 days.

Unit of measurement: report column 6 as a number to two decimal places.

Column 7

Report the value of funds for fixed-term deposits

Column 8

Report the margin on fixed-term deposits

Column 8 is a derived item.  Report the margin in column 8 as column 7 less column 5.

 

Item 4    

Report fixed-term deposits for each combination of counterparty of the depositor and the residual term of the fixed-term deposit.  

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses and resident community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than resident financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The residual term categories

 are:

·                residual term less than or equal to 1 month;

·                residual term greater than 1 month and less than or equal to 3 months;

·                residual term greater than 3 months and less than or equal to 6 months;

·                residual term greater than 6 months and less than or equal to 12 months;

·                residual term greater than 12 months and less than or equal to 2 years;

·                residual term greater than 2 years and less than or equal to 3 years; and

·                residual term greater than 3 years. 

The total number, value, interest rate, value of funds and margin  (columns 3, 4, 5, 7 and 8) of fixed-term deposits for:

·                financial institutions – non-related parties reported in item 4 must equal the total number, value interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

·                financial institutions – related parties reported in item 4 must equal the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

·                non-financial business & community services organisations reported in item 4 must equal the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

·                general government reported in item 4 must equal the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

·                other related parties reported in item 4 must equal the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

·                other non-residents reported in item 4 must equal the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 7 and 8 respectively) of fixed-term deposits reported for this category in item 1.

Item 4.1                      

Report total fixed-term deposits outstanding.

Item 4.1 is a derived item.  Report total number, value, interest rate, weighted average residual term, value of funds and margin (columns 3, 4, 5, 6, 7 and 8 respectively) in item 4.1 as the total number, value, interest rate, weighted average interest rate, value of funds and margin (columns 3, 4, 5, 6, 7 and 8 respectively) for deposits reported in item 4. 

5.         New fixed-term deposits in the month – by counterparty & original term

Item 5 collects information on the flow of new fixed-term deposits by counterparty of depositor and the original term of the fixed-term deposit.

Reporting basis: report item 5 during the reporting period

Report all fixed-term deposits entered into during the reporting period, irrespective of whether the fixed-term deposit was rolled over or represents funds new to the ADI or RFC.

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 5.

Column 1

Report according to the counterparty of the depositor (see item 5 for further details). 

Column 2

Report according to the original term of the fixed-term deposit (see item 5 for further details). 

Column 3

Report the number of new fixed-term deposits.

Column 4

Report the value of new fixed-term deposits

Column 5

Report the weighted average interest rate for new fixed-term deposits

Column 6

Report the value of funds for new fixed-term deposits

Column 7

Report the margin for new fixed-term deposits.

Column 7 is a derived item.  Report the margin in column 7 as column 6 less column 5.

 

Item 5    

Report deposits for each combination of counterparty of the depositor and the original term of the fixed-term deposit.  

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are non-related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses and community service organisations;

·                resident general government;

·                other  related parties (any resident or non-resident related parties other than resident financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The original term categories are:

·                original term less than or equal to 1 month;

·                original term greater than 1 month and less than or equal to 3 months;

·                original term greater than 3 months and less than or equal to 6 months;

·                original term greater than 6 months and less than or equal to 12 months;

·                original term greater than 12 months and less than or equal to 2 years;

·                original term greater than 2 years and less than or equal to 3 years; and

·                original term greater than 3 years. 

Item 5.1                      

Report total new fixed-term deposits in the reporting period.

Item 5.1 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) reported in item 5.   

Item 5.1.1         

Of the amount reported in item 5.1, report fixed-term deposits from resident households.

Item 5.1.1 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.1 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident households reported in item 5.   

Item 5.1.2         

Of the amount reported in item 5.1, report fixed-term deposits from resident financial institutions.

Item 5.1.2 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.2 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident financial institutions – non-related parties and resident financial institutions – related parties reported in item 5.   

Item 5.1.3         

Of the total reported in item 5.1, report fixed-term deposits from resident non-related parties that are non-financial businesses and community service organisations.

Item 5.1.3 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.3 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident non-related parties that are non-financial businesses and community service organisations reported in item 5. 

Item 5.1.4         

Of the total reported in item 5.1, report fixed-term deposits from resident general government.

Item 5.1.4 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.4 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident general government reported in item 5. 

Item 5.1.5         

Of the total reported in item 5.1, report fixed-term deposits from non-resident non-related parties.

Item 5.1.5 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.5 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for other non-residents (any non-residents that are non-related parties) reported in item 5. 



ARF_747_0B: ABS/RBA Deposits Stocks, Flows and Interest Rates (Reduced)

 

Australian Business Number

Institution Name

Reporting Period

Scale Factor

Monthly

Reporting Consolidation

 

Domestic

 

 

1. Deposits outstanding - by counterparty & deposit type

 

Counterparty

Deposit type

Number

Value

Interest rate

(1)

(2)

(3)

(4)

(5)

 

 

 

 

 

Households

Fixed-term

 

 

 

Financial institutions - non-related parties

Other non-transaction

 

 

 

Financial institutions - related parties

Transaction - interest bearing

 

 

 

Non-financial businesses & community service organisations

Transaction - non-interest-bearing

 

 

 

General government

 

 

 

 

Other related parties

 

 

 

 

Other non-residents

 

 

 

 

 

 

 

 

 

1.1. Total deposits outstanding

 

 

 

1.1.1. of which: Offset accounts linked to housing loans

 

 

 

1.1.2. of which: Offset accounts linked to personal loans

 

 

 

1.1.3. of which: Offset or set-off accounts linked to business loans

 

 

 

1.1.4. Interest-bearing deposits

 

 

 

1.1.5. Non-interest-bearing deposits

 

 

 

 

2. Deposits outstanding to resident households - by balance

 

Number

Value

Interest rate

(1)

(2)

(3)

2.1. Resident households

 

 

 

2.1.1. of which: Interest-bearing deposits

 

 

 

2.1.2. Balance >$0 to <=$50

 

 

 

2.1.3. Balance >$50 to <=$1 000

 

 

 

2.1.4. Balance >$1 000 to <=$25 000

 

 

 

2.1.5. Balance >$25 000 to <=$100 000

 

 

 

2.1.6. Balance >$100 000 to <=$250 000

 

 

 

2.1.7. Balance >$250 000 to <=$500 000

 

 

 

2.1.8. Balance >$500 000

 

 

 


 

3. Deposits outstanding to counterparties other than resident households  - by counterparty & balance

 

Counterparty

Deposit balance

Number

Value

Interest rate

(1)

(2)

(3)

(4)

(5)

 

 

 

 

 

Financial institutions - non-related parties

Balance > $0 to <= $50

 

 

 

Financial institutions - related parties

Balance > $50 to <= $25 000

 

 

 

Non-financial businesses & community service organisations

Balance > $25 000 to <= $250 000

 

 

 

General government

Balance > $250 000 to <= $500 000

 

 

 

Other related parties

Balance > $500 000 to <= $1 000 000

 

 

 

Other non-residents

Balance > $1 000 000 to <= $10 000 000

 

 

 

 

Balance > $10 000 000 to  <= $100 000 000

 

 

 

 

Balance > $100,000,000

 

 

 

 

 

 

 

 

3.1. Total deposits outstanding to financial institutions

 

 

 

3.1.1. of which: Interest-bearing deposits

 

 

 

3.2. Total deposits outstanding to non-financial businesses & community service organisations

 

 

 

3.2.1. of which: Interest-bearing deposits

 

 

 


 

4. Fixed-term deposits outstanding - by counterparty & residual term

 

Counterparty

Residual term

Number

Value

Interest rate

Weighted average residual term

(1)

(2)

(3)

(4)

(5)

(6)

 

 

 

 

 

 

Households

Term <= 1 month

 

 

 

 

Financial institutions - non-related parties

Term > 1 month to <= 3 months

 

 

 

 

Financial institutions - related parties

Term > 3 months to  <= 6 months

 

 

 

 

Non-financial businesses & community service organisations

Term > 6 months to  <= 12 months

 

 

 

 

General government

Term > 12 months to  <= 2 years

 

 

 

 

Other related parties

Term > 2 years to  <= 3 years

 

 

 

 

Other non-residents

Term > 3 years

 

 

 

 

 

 

 

 

 

 

4.1. Total fixed-term deposits outstanding

 

 

 

 


 

5. New fixed-term deposits in the month - by counterparty & original term

 

Counterparty

Original term

Number

Value

Interest rate

(1)

(2)

(3)

(4)

(5)

 

 

 

 

 

Households

Term <= 1 month

 

 

 

Financial institutions - non-related parties

Term > 1 month to <= 3 months

 

 

 

Financial institutions - related parties

Term > 3 months to <= 6 months

 

 

 

Non-financial businesses & community service organisations

Term > 6 months to  <= 12 months

 

 

 

General government

Term > 12 months to  <= 2 years

 

 

 

Other related parties

Term > 2 years to  <= 3 years

 

 

 

Other non-residents

Term > 3 years

 

 

 

 

 

 

 

 

5.1. Total new fixed-term deposits

 

 

 

5.1.1. of which: Households

 

 

 

5.1.2. of which: Financial institutions

 

 

 

5.1.3. of which: Non-financial businesses & community service organisations

 

 

 

5.1.4. of which: General government

 

 

 

5.1.5. of which: Other non-residents

 

 

 


Reporting Form ARF 747.0B

ABS/RBA Deposit Stocks, Flows and Interest Rates (Reduced)

Instructions

These instructions assist completion of Reporting Form ARF 747.0B ABS/RBA Deposit Stocks, Flows and Interest Rates (Reduced) (ARF 747.0B). ARF 747.0B collects information relating to the deposit stocks, flows and interest rates of ADIs and RFCs.

Information reported in ARF 747.0B is required primarily for purposes of the ABS and the RBA. This information is required for various purposes, including policy and statistical purposes. This information may also be used by APRA for prudential and publication purposes.

Reporting level

ARF 747.0B must be completed for each ADI and RFC to which this Reporting Standard applies under paragraphs 4 or 5.   

Reporting basis and unit of measurement

These instructions specify the reporting basis and unit of measurement that applies to each item.

For reporting purposes, unless specified otherwise, enter data as a positive number.

Exclude deposit accounts with a nil deposit balance.

Counterparties

Include positions with non-residents on this form unless otherwise directed.  Refer to the specific instructions to determine where non-residents must be included, and whether non-residents are separately identified. 

Include positions with related parties on this form unless otherwise directed.  Refer to the specific instructions to determine where related parties must be included, and whether related parties are separately identified.  

Values

Unless otherwise specifically stated, information reported on this form must comply with Australian Accounting Standards.

Report monetary amounts on ARF 747.0B in Australian dollars or the Australian dollar equivalent of the foreign currency. Convert amounts denominated in foreign currency to AUD in accordance with AASB 121.

Report values on ARF 747.0B as whole numbers.

Numbers

Report numbers on ARF 747.0B unscaled, as whole numbers for.

The number of deposits refers to the number of deposit accounts. When reporting these figures:

·                treat an account shared by multiple parties as one deposit;

·                treat a deposit account with multiple sub-accounts as separate deposit for each sub-account; and

·                treat one (non-negotiable) certificate of deposit as one deposit.

Averages

Report averages on ARF 747.0B unscaled, as numbers to two decimal places.

Interest rates

ADIs and RFCs are required to report contractual interest rates. Report interest rates as an annualised percentage rate (on a 365 days per year basis) to two decimal places.

Refer to the interest rates definition for further guidance (ARS 701.0).

In particular, note the instructions for the treatment of deposit accounts with more than one possible contractual interest rate and for the treatment of offset accounts and other offsetting products.

Standard Business Reporting (SBR)

Report items on ARF 747.0B with accounting type of credit (liabilities). The accounting type (i.e. credit or debit) applies to all monetary items and represents the natural accounting treatment of the item collected.

Specific instructions

Terms highlighted in bold italics are defined in ARS 701.0.

All derived fields in the form are shaded in grey and are explained in words as a mathematical expression in these instructions. 

Examples included under ‘Include’ and ‘Exclude’ must not be taken as an exhaustive list of items to be included or excluded.  

1.         Deposits outstanding – by counterparty and deposit type

Item 1 collects information on the stock of deposits by counterparty sector of the depositor and deposit type.

Reporting basis: report item 1 as at the end of the reporting period

Deposits by non-residents are to be included in item 1.

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 1. 

Column 1

Report according to the counterparty sector of the depositor (see item 1 for further details). 

Column 2

Report according to the deposit type (see item 1 for further details). 

Column 3

Report the total number of deposits

Column 4

Report the total value of deposits

Column 5

Report the weighted average interest rate on deposits

 

Item 1    

Report deposits for each combination of counterparty sector of the depositor and deposit type. 

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses or resident community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The deposit types are:

·                fixed-term deposits;

·                other non-transaction deposits;

·                transaction deposits that are interest-bearing; and

·                transaction deposits that are non-interest-bearing

The following reconciliations to other forms hold.

The total value of deposits (column 4) in item 1 for:

·                resident households must equal total deposit accounts by resident households reported in column 7 of item 1.1.1 on Reporting Form ARF 720.2A ABS/RBA Deposits (Standard) (ARF 720.2A) or column 4 of item 1.1.1 on Reporting Form ARF 720.2B ABS/RBA Deposits (Reduced) (ARF 720.2B).

·                resident financial institutions that are non-related parties must equal total deposit accounts by resident financial institutions reported in column 7 of item 1.1.5 on ARF 720.2A or column 4 of item 1.1.5 on ARF 720.2B.

·                resident financial institutions that are related parties, must equal deposits by resident financial institutions reported in column 1 of item 3.1.1.1.3 on the Reporting Form ARF 720.3 ABS/RBA Intra-group Assets and Liabilities (ARF 720.3).

·                resident non-financial businesses and resident community service organisations must equal the sum of deposit accounts for resident non-financial businesses and resident community service organisations reported in column 7 of item 1.1.3 and 1.1.2 on ARF 720.2A or column 4 of item 1.1.3 and 1.1.2 on ARF 720.2B. 

·                resident general government must equal total deposit accounts for resident general government reported in column 7 of item 1.1.4 on ARF 720.2A or column 4 of item 1.1.4 on 720.2B.

·                other related parties must equal total deposits reported in item 3.1.1 on ARF 720.3 less deposits reported in item 3.1.1.1.3 on the ARF 720.3. 

·                other non-residents must equal total deposits reported in column 7 of item 1.2 on the ARF 720.2A or in column 4 of item 1.2 on the ARF 720.2B. 

Item 1.1                      

Report total deposits

Item 1.1 is a derived item.

Report the number and value (columns 3 and 4) in item 1.1 as the sum of item 1.

Report the interest rate (column 5) as the weighted average of item 1. 

For the number and value (columns 3 and 4), item 1.1 must also be equal to the sum of item 1.1.4 and item 1.1.5.

For the interest rate (column 5), item 1.1 must also be equal to the weighted average of item 1.1.4 and item 1.1.5.

The following reconciliation to other forms also holds for ADIs and RFCs.

For the value of deposits (column 4), item 1.1 must also be equal to the sum of:

·                total deposit accounts reported in column 7 of item 1 on ARF 720.2A or column 4 of item 1 on ARF 720.2B; and

·                deposits reported in column 1 of item 3.1.1 on the ARF 720.3.

Item 1.1.1         

Of the total reported in item 1.1, report offset accounts that are linked to loans to resident households for the purpose of housing

For the value of offset accounts¸ (column 4), item 1.1.1 must be equal to column 7 of item 1.1.1.1 on ARF 720.2A or column 4 of item 1.1.1.1 on ARF 720.2B. 

Item 1.1.2         

Of the total reported in item 1.1, report offset accounts that are linked to loans to resident households for personal purposes. 

Item 1.1.3         

Of the amount reported in item 1.1, report for offset and set-off accounts that are linked to loans to resident non-related parties that are non-financial businesses and community service organisations

Item 1.1.4         

Report all interest-bearing deposits.

Item 1.1.5         

Report all non-interest-bearing deposits.

For the weighted-average interest rate (column 5), item 1.1.5 must be equal to zero.

 

2.         Deposits outstanding to resident households – by balance

Item 2 collects information on the stock of deposits by resident households by deposit balance.

Reporting basis: report item 2 as at the end of the reporting period

Deposits by non-residents are excluded from item 2. 

Column 1

Report the total number of deposits

Column 2

Report the total value of deposits

Column 3

Report the weighted average interest rate on deposits

 

Item 2.1                      

Report total deposits by resident households

Item 2.1 is a derived item.   

For the number and value (columns 1 and 2), report deposits in item 2.1 as the sum of items 2.1.2 to 2.1.8 inclusive.

For the interest rate (column 3), report deposits in item 2.1 as the weighted average of items 2.1.2 to 2.1.8 inclusive.

The number and value (columns 1 and 2) of deposits reported in item 2.1 must equal item 1 (columns 3 and 4). 

The interest rate (column 3) of deposits reported in item 2.1 must also equal the weighted average interest rate for deposits for resident households reported in item 1 (column 5). 

Item 2.1.1         

Of the amount reported in item 2.1, report interest-bearing deposits.

Item 2.1.2         

Report deposit balances greater than $0 and less than or equal to $50.

Item 2.1.3         

Report deposit balances greater than $50 and less than or equal to $1 000.

Item 2.1.4         

Report deposit balances greater than $1 000 and less than or equal to $25 000.

Item 2.1.5         

Report deposit balances greater than $25 000 and less than or equal to $100 000.

Item 2.1.6         

Report deposit balances greater than $100 000 and less than or equal to $250 000.

Item 2.1.7         

Report deposit balances greater than $250 000 and less than or equal to $500 000.

Item 2.1.8         

Report deposit balances greater than $500 000.

3.         Deposits outstanding to counterparties other than resident households – by counterparty and balance

Item 3 collects information on the stock of deposits by counterparties other than resident households by counterparty sector and deposit balance.

Reporting basis: report item 3 as at the end of the reporting period

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 3. 

Column 1

Report according to the counterparty of the depositor (see item 3 for further details). 

Column 2

Report according to the deposit balance as at the end of the reporting period (see item 3 for further details).

Column 3

Report the number of deposits

Column 4

Report the value of deposits

Column 5

Report the weighted average interest rate on deposits

 

Report deposits for each combination of counterparty sector of the depositor and deposit balance as at the end of the reporting period

The counterparty sectors are:

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses or community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The deposit balance categories are:

·                deposit balance greater than $0 and less than or equal to $50;

·                deposit balance greater than $50 and less than or equal to $25 000;

·                deposit balance greater than $25 000 and less than or equal to $250 000; 

·                deposit balance greater than $250 000 and less than or equal to $500 000;

·                deposit balance greater than $500 000 and less than or equal to $1 000 000;

·                deposit balance greater than $1 000 000 and less than or equal to $10 000 000; and

·                deposit balance greater than $10 000 000 and less than or equal to $100 000 000; and

·                deposit balance greater than $100 000 000.

The total number, value and interest rate (columns 3, 4 and 5) of deposits for:

·                financial institutions – non-related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported in item 1.

·                financial institutions – related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) reported in item 1.

·                non-financial business & community services organisations reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported in item 1.

·                general government reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported in item 1.

·                other related parties reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported in item 1.

·                other non-residents reported in item 3 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of deposits reported in item 1.

Item 3.1                      

Report total deposits by resident financial institutions

Item 3.1 is a derived item.  Report the total number, value and interest rate (columns 3, 4 and 5) in item 3.1 as the total number, value and interest rate (columns 3, 4 and 5) for financial institutions – non-related parties and financial institutions – related parties reported in item 3. 

Item 3.1.1         

Of the amount reported in item 3.1, report for interest-bearing deposits.

Item 3.2                      

Report deposits by resident non-related parties that are non-financial businesses or resident community service organisations

Item 3.2 is a derived item.  Report the total number, value and interest rate (columns 3, 4 and 5) in item 3.1 as the total number, value and interest rate (columns 3, 4 and 5) for non-financial businesses and community service organisations reported in item 3. 

Item 3.2.1         

Of the amount reported in item 3.2, report for interest-bearing deposits.

4.         Fixed-term deposits outstanding – by counterparty & residual term

Item 4 collects information on the stock of fixed-term deposits by counterparty of depositor and the residual term of the deposit.

Reporting basis: report item 4 as at the end of the reporting period

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 4. 

Column 1

Report according to the counterparty of the depositor (see item 4 for further details). 

Column 2

Report according to the residual term of the fixed-term deposit (see item 4 for further details). 

Column 3

Report the number of fixed-term deposits.

Column 4

Report the value of fixed-term deposits.

Column 5

Report the weighted average interest rate on fixed-term deposits

Column 6

Report the weighted average residual term for fixed-term deposits

To calculate and report this item, express each term as the number of days remaining to maturity/365 days.

Unit of measurement: report column 6 as a whole number

 

Item 4    

Report fixed-term deposits for each combination of counterparty of the depositor and the residual term of the fixed-term deposit.  

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are not related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses and resident community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than resident financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The residual term categories are:

·                residual term less than or equal to 1 month;

·                residual term greater than 1 month and less than or equal to 3 months;

·                residual term greater than 3 months and less than or equal to 6 months;

·                residual term greater than 6 months and less than or equal to 12 months;

·                residual term greater than 12 months and less than or equal to 2 years;

·                residual term greater than 2 years and less than or equal to 3 years; and

·                residual term greater than 3 years. 

The total number, value and interest rate (columns 3, 4 and 5) of fixed-term deposits for:

·                financial institutions – non-related parties reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5) of fixed-term deposits reported in item 1.

·                financial institutions – related parties reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5)  of fixed-term deposits reported in item 1.

·                non-financial business & community services organisations reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of fixed-term deposits reported in item 1.

·                general government reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of fixed-term deposits reported in item 1.

·                other related parties reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of fixed-term deposits reported in item 1.

·                other non-residents reported in item 4 must equal the total number, value and interest rate (columns 3, 4 and 5 respectively) of fixed-term deposits reported in item 1.

Item 4.1                      

Report total fixed-term deposits outstanding.

Item 4.1 is a derived item.  Report total number, value, interest rate and weighted average residual term (columns 3, 4, 5 and 6) in item 4.1 as the total number, value, interest rate and weighted average residual term (columns 3, 4, 5 and 6 respectively) for deposits reported in item 4.   

5.         New fixed-term deposits in the month – by counterparty & original term

Item 5 collects information on the flow of new fixed-term deposits by counterparty of depositor and the original term of the fixed-term deposit.

Reporting basis: report item 5 during the reporting period

Report all fixed-term deposits entered into during the reporting period, irrespective of whether the fixed-term deposit was rolled over or represents funds new to the ADI or RFC.

Deposits from related parties (intra-group deposits) and non-residents (resident related parties and other non-residents) are separately identified in item 5. 

Column 1

Report according to the counterparty of the depositor (see item 5 for further details). 

Column 2

Report according to the original term of the fixed-term deposit (see item 5 for further details). 

Column 3

Report the number of new fixed-term deposits.

Column 4

Report the value of new fixed-term deposits

Column 5

Report the weighted average interest rate for new fixed-term deposits

 

Item 5    

Report deposits for each combination of counterparty of the depositor and the original term of the fixed-term deposit.  

The counterparty sectors are:

·                resident households;

·                resident financial institutions that are non-related parties;

·                resident financial institutions that are related parties;

·                resident non-related parties that are non-financial businesses and resident community service organisations;

·                resident general government;

·                other related parties (any resident or non-resident related parties other than resident financial institutions); and

·                other non-residents (any non-residents other than related parties). 

The original term categories are:

·                original term less than or equal to 1 month;

·                original term greater than 1 month and less than or equal to 3 months;

·                original term greater than 3 months and less than or equal to 6 months;

·                original term greater than 6 months and less than or equal to 12 months;

·                original term greater than 12 months and less than or equal to 2 years;

·                original term greater than 2 years and less than or equal to 3 years; and

·                original term greater than 3 years. 

Item 5.1                      

Report total new fixed-term deposits in the reporting period.

Item 5.1 is a derived item.  Report the total number, value and interest rate (columns 3, 4 and 5) in item 5.1 as the total number, value and interest rate (columns 3, 4 and 5) reported in item 5.   

Item 5.1.1         

Of the amount reported in item 5.1, report fixed-term deposits from resident households.

Item 5.1.1 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.1 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident households reported in item 5.   

Item 5.1.2         

Of the amount reported in item 5.1, report fixed-term deposits from resident financial institutions.

Item 5.1.2 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.2 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident financial institutions – non-related parties and resident financial institutions – related parties reported in item 5.

Item 5.1.3         

Of the total reported in item 5.1, report fixed-term deposits from resident non-related parties that are non-financial businesses and community service organisations.

Item 5.1.3 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.3 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident non-related parties that are non-financial businesses and community service organisations reported in item 5.

Item 5.1.4         

Of the total reported in item 5.1, report fixed-term deposits from resident general government.

Item 5.1.4 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.4 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for resident general government reported in item 5. 

Item 5.1.5         

Of the total reported in item 5.1, report fixed-term deposits from non-resident non-related parties.

Item 5.1.5 is a derived item.  Report the total number, value, interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) in item 5.1.5 as the total number, value and interest rate, value of funds and margin (columns 3, 4, 5, 6 and 7) for other non-residents (any non-residents that are non-related parties) reported in item 5.