Monthly Banking Statistics

March 2018 (released 30 April 2018) Copyright

© Australian Prudential Regulation Authority (APRA)

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Forthcoming issues

This publication will be released on the APRA website by close of business on the last business day (within NSW) of every month. The data to be released will be for the previous calendar month.

Notation

Amounts are expressed in millions of Australian dollars. Both the Australian-dollar denominated transactions and the Australian-dollar equivalent of foreign-currency denominated transactions are included.

The symbol ‘—‘ indicates a value of zero. Values less than half a million dollars are rounded to '0'.

Explanatory notes

A set of explanatory notes is provided at the end of the publication to assist the reader in understanding the source and definitions of the data. In particular, these notes help explain differences between the data presented and information publicly released by banks in their financial statements and profit announcements.

Enquiries

For more information about the statistics in this publication: e-mail [email protected] or write to Manager, ADI Strategic Intelligence Australian Prudential Regulation Authority GPO Box 9836 Sydney NSW 2001

Australian Prudential Regulation Authority 2 Contents

Selected assets on Australian books of individual banks Table 1 4

Loans and advances on Australian books of individual banks Table 2 8

Selected liabilities on Australian books of individual banks Table 3 12

Deposits on Australian books of individual banks Table 4 14

Explanatory notes Explanatory notes 18

Australian Prudential Regulation Authority 3 Table 1 Selected assets on Australian books of individual banks

($ million)

Cash and liquid Trading Investment Acceptances of Gross loans and assets securities securities customers advances March 2018 Agricultural Bank of China Limited 500 - 2,164 - 1,092 AMP Bank Limited 218 - 2,304 - 15,712 Arab Bank Australia Limited 40 - 246 - 599 Australia and New Zealand Banking Group Limited 19,952 24,655 35,152 65 393,682 Australian Military Bank Ltd 46 - 140 - 1,145 Auswide Bank Ltd 103 - 191 - 2,362 B&E Ltd (trading as Bank of us) 50 - 73 - 667 Bank Australia Limited 219 - 678 - 4,583 Bank of America, National Association 2,690 733 2,265 - 6,643 Bank of Baroda 57 - - - 157 Bank of China (Australia) Limited 134 - 343 - 1,493 Bank of China Limited 2,784 - 2,241 - 17,987 Bank of Communications Co., Ltd. 231 - 1,109 - 2,005 Bank of Queensland Limited 731 1,071 3,560 - 38,632 Bank of Sydney Ltd 193 - 437 - 1,563 Bank of Taiwan 1 - 8 - 13 Bendigo and Adelaide Bank Limited 974 5,412 600 - 51,634 BNP Paribas 868 82 1,834 - 3,928 BNP Paribas Securities Services 372 - 1,081 - 335 Canadian Imperial Bank of Commerce 1 - 123 - 1,364 China Construction Bank Corporation 267 - 1,452 - 3,897 China Merchants Bank Co., Ltd 29 - 124 - 200 Citibank, N.A. 1,470 - 4,626 0 4,734 Citigroup Pty Limited 281 - 1,364 - 13,411 Commonwealth Bank of Australia 13,515 25,701 61,017 40 607,208 Community CPS Australia Limited 91 - 634 - 4,984 Community Mutual Ltd 80 - 147 - 1,113 Cooperatieve Rabobank U.A. 113 - 446 - 3,400 Credit Suisse AG 265 483 - - 4,726 DBS Bank Ltd 114 - 1,120 - 3,498 Defence Bank Limited 84 - 201 - 1,887 Deutsche Bank Aktiengesellschaft 2,896 890 1,593 - 2,464 E.SUN Commercial Bank, Ltd. 1 - 324 - 287 Endeavour Mutual Bank Ltd 85 - 77 - 460 First Commercial Bank 48 - 199 - 1,035 G&C Mutual Bank Limited 94 - 289 - 700 Gateway Bank Ltd 55 - 106 - 882 Greater Bank Limited 122 - 1,218 - 5,239 Heritage Bank Limited 141 - 1,254 - 6,852 HSBC Bank Australia Limited 2,065 - 6,971 121 18,349 Hua Nan Commercial Bank, Ltd. 16 - 152 - 497 Hume Bank Limited 102 - 153 - 821 IMB Ltd 341 - 975 - 4,109 Industrial and Commercial Bank of China Limited 357 - 1,877 - 6,302 ING Bank (Australia) Limited 1,137 - 4,108 - 52,773 ING Bank N.V. 432 - 485 - - JPMorgan Chase Bank, National Association 6,975 - 3,834 - 2,581 KEB HANA Bank 23 - 54 - 395 Macquarie Bank Limited 8,290 2,646 5,247 - 43,480 Mega International Commercial Bank Co., Ltd. 34 - 401 - 1,945 Members Banking Group Limited 67 - 163 - 1,413 Members Equity Bank Limited 206 - 3,347 - 19,760 Mizuho Bank, Ltd. 212 - 1,199 - 10,059 MyState Bank Limited 67 - 442 - 3,132 National Australia Bank Limited 12,403 76,411 71,780 - 460,303 Oversea-Chinese Banking Corporation Limited 15 - 2,790 - 6,037 Police & Nurses Limited 111 - 352 - 3,145 Police Bank Ltd 105 - 182 - 1,485 Police Financial Services Limited 56 - 300 - 1,416 QPCU Limited 25 - 99 - 689 Qudos Mutual Ltd 146 - 546 - 3,041 Rabobank Australia Limited 700 - 1,501 - 14,688 Royal Bank of Canada 1,102 2,106 539 - 2,470 Rural Bank Limited 108 - 485 - 4,047 Shinhan Bank Co., Ltd 93 - - - 290

Australian Prudential Regulation Authority 4 Table 1 Selected assets on Australian books of individual banks

($ million)

Outstanding principal Total resident Value of housing Other investments balance of securitised assets loans securitised assets March 2018 - 3,822 - - Agricultural Bank of China Limited - 18,475 4,008 3,739 AMP Bank Limited 0 892 - - Arab Bank Australia Limited 14,950 585,377 1,350 1,350 Australia and New Zealand Banking Group Limited 13 1,359 0 0 Australian Military Bank Ltd 53 2,803 452 452 Auswide Bank Ltd 3 803 - - B&E Ltd (trading as Bank of us) 40 5,562 7 7 Bank Australia Limited - 12,353 - - Bank of America, National Association - 216 - - Bank of Baroda - 2,018 - - Bank of China (Australia) Limited - 23,106 - - Bank of China Limited - 3,424 - - Bank of Communications Co., Ltd. 875 49,864 1,730 1,730 Bank of Queensland Limited - 2,209 - - Bank of Sydney Ltd - 23 - - Bank of Taiwan 606 62,849 3,741 3,617 Bendigo and Adelaide Bank Limited 159 7,562 - - BNP Paribas - 4,366 - - BNP Paribas Securities Services - 1,482 - - Canadian Imperial Bank of Commerce - 5,636 - - China Construction Bank Corporation - 360 - - China Merchants Bank Co., Ltd - 16,207 - - Citibank, N.A. 21 15,362 - - Citigroup Pty Limited 10,292 757,334 4,485 4,485 Commonwealth Bank of Australia - 5,781 15 15 Community CPS Australia Limited 1 1,378 1 1 Community Mutual Ltd - 9,947 - - Cooperatieve Rabobank U.A. - 6,487 - - Credit Suisse AG - 4,744 - - DBS Bank Ltd 2 2,182 17 16 Defence Bank Limited 88 14,628 - - Deutsche Bank Aktiengesellschaft - 614 - - E.SUN Commercial Bank, Ltd. 2 636 - - Endeavour Mutual Bank Ltd - 1,281 - - First Commercial Bank - 1,091 - - G&C Mutual Bank Limited - 1,045 - - Gateway Bank Ltd 1 6,624 - - Greater Bank Limited 1 8,466 1,115 1,115 Heritage Bank Limited 4 27,693 - - HSBC Bank Australia Limited - 668 - - Hua Nan Commercial Bank, Ltd. 0 1,090 - - Hume Bank Limited 2 5,462 346 302 IMB Ltd - 8,598 - - Industrial and Commercial Bank of China Limited - 58,520 - - ING Bank (Australia) Limited - 9,994 - - ING Bank N.V. - 16,349 - - JPMorgan Chase Bank, National Association - 476 - - KEB HANA Bank 2,941 80,775 1,440 1,340 Macquarie Bank Limited - 2,383 - - Mega International Commercial Bank Co., Ltd. 10 1,671 2 2 Members Banking Group Limited 0 23,517 4,748 4,748 Members Equity Bank Limited - 12,296 - - Mizuho Bank, Ltd. 1 3,700 1,159 1,158 MyState Bank Limited 10,464 693,215 - - National Australia Bank Limited - 8,895 - - Oversea-Chinese Banking Corporation Limited 3 3,662 367 367 Police & Nurses Limited 17 1,812 1 1 Police Bank Ltd 2 1,781 - - Police Financial Services Limited 9 839 - - QPCU Limited 30 3,789 - - Qudos Mutual Ltd - 16,772 - - Rabobank Australia Limited - 6,278 - - Royal Bank of Canada - 4,801 23 - Rural Bank Limited - 383 - - Shinhan Bank Co., Ltd

Australian Prudential Regulation Authority 5 Table 1 Selected assets on Australian books of individual banks

($ million)

Cash and liquid Trading Investment Acceptances of Gross loans and assets securities securities customers advances March 2018 Standard Chartered Bank 110 - - - - State Bank of India 122 8 - - 763 State Street Bank and Trust Company 75 - 2,596 - 1,260 Sumitomo Mitsui Banking Corporation 405 - 4,135 - 18,157 Suncorp-Metway Limited 951 1,607 4,047 - 53,927 Taishin International Bank Co., Ltd 23 - 95 - 254 Taiwan Business Bank 47 - 125 - 1,127 Taiwan Cooperative Bank, Ltd 13 - 146 - 417 Teachers Mutual Bank Limited 150 - 939 - 5,721 The Bank of New York Mellon 8 - - - - The Bank of Nova Scotia 1 - 280 - 1,656 The Bank of Tokyo-Mitsubishi UFJ, Ltd 279 - 2,974 215 18,874 The Hongkong and Shanghai Banking Corporation Limited 1,748 - 1,351 - 12,377 The Northern Trust Company 600 - 734 - 1,954 Tyro Payments Limited 51 - 39 - 9 UBS AG 3,914 4,221 648 - 2,387 Union Bank of India 46 - 80 - 53 United Overseas Bank Limited 14 - 2,905 - 5,019 Unity Bank Limited 86 - 107 - 857 Victoria Teachers Limited 88 - 404 - 1,935 Westpac Banking Corporation 14,950 8,743 162,707 - 574,224 Woori Bank 63 - 10 - 256

TOTAL 108,847 154,770 423,036 440 2,577,021

Australian Prudential Regulation Authority 6 Table 1 Selected assets on Australian books of individual banks

($ million)

Outstanding principal Total resident Value of housing Other investments balance of securitised assets loans securitised assets March 2018 - 111 - - Standard Chartered Bank - 912 - - State Bank of India - 6,359 - - State Street Bank and Trust Company - 23,342 - - Sumitomo Mitsui Banking Corporation 1 61,430 3,731 3,731 Suncorp-Metway Limited - 371 - - Taishin International Bank Co., Ltd - 1,304 - - Taiwan Business Bank - 574 - - Taiwan Cooperative Bank, Ltd 46 6,910 - - Teachers Mutual Bank Limited - 13 - - The Bank of New York Mellon - 1,969 - - The Bank of Nova Scotia - 22,871 - - The Bank of Tokyo-Mitsubishi UFJ, Ltd - 18,685 - - The Hongkong and Shanghai Banking Corporation Limited - 3,315 - - The Northern Trust Company - 141 - - Tyro Payments Limited 6 15,271 - - UBS AG - 202 - - Union Bank of India - 7,990 - - United Overseas Bank Limited 19 1,081 0 0 Unity Bank Limited 1 2,472 - - Victoria Teachers Limited 4,504 827,184 - - Westpac Banking Corporation - 352 - - Woori Bank

45,164 3,646,642 28,737 28,176 TOTAL

Australian Prudential Regulation Authority 7 Table 2 Loans and advances on Australian books of individual banks

($ million)

Households

Non-financial Financial General Housing: Owner- Housing: corporations corporations government occupied Investment March 2018 Agricultural Bank of China Limited 672 419 - - - AMP Bank Limited 1,090 800 - 9,553 3,516 Arab Bank Australia Limited 255 - - 129 169 Australia and New Zealand Banking Group Limited 103,660 14,895 509 175,717 82,320 Australian Military Bank Ltd 1 - - 895 158 Auswide Bank Ltd 50 - - 1,483 723 B&E Ltd (trading as Bank of us) 22 - - 523 106 Bank Australia Limited 273 27 1 3,444 689 Bank of America, National Association 4,757 1,886 - - - Bank of Baroda 157 - - - - Bank of China (Australia) Limited 143 173 - 751 410 Bank of China Limited 17,987 - - - - Bank of Communications Co., Ltd. 1,705 300 - - - Bank of Queensland Limited 9,800 654 - 16,626 11,381 Bank of Sydney Ltd 698 0 - 569 266 Bank of Taiwan - 13 - - - Bendigo and Adelaide Bank Limited 13,244 69 12 23,508 11,881 BNP Paribas 3,769 160 - - - BNP Paribas Securities Services - 335 - - - Canadian Imperial Bank of Commerce 1,364 - - - - China Construction Bank Corporation 3,542 345 - - - China Merchants Bank Co., Ltd 200 - - - - Citibank, N.A. 3,976 758 - - - Citigroup Pty Limited 473 3 0 4,812 2,178 Commonwealth Bank of Australia 130,439 28,245 1,885 283,989 132,792 Community CPS Australia Limited 137 79 - 3,164 846 Community Mutual Ltd 120 3 - 742 162 Cooperatieve Rabobank U.A. 3,400 - - - - Credit Suisse AG 2,505 1,148 - 284 117 DBS Bank Ltd 3,438 60 - - - Defence Bank Limited 0 0 - 1,557 197 Deutsche Bank Aktiengesellschaft 766 1,697 - - - E.SUN Commercial Bank, Ltd. 221 66 - - - Endeavour Mutual Bank Ltd 1 - - 316 124 First Commercial Bank 1,035 - - - - G&C Mutual Bank Limited 33 - - 420 194 Gateway Bank Ltd 1 - - 609 173 Greater Bank Limited 130 - - 3,984 1,022 Heritage Bank Limited 195 26 - 4,691 1,609 HSBC Bank Australia Limited 4,446 164 - 8,081 4,652 Hua Nan Commercial Bank, Ltd. 382 114 - - - Hume Bank Limited 73 - - 525 195 IMB Ltd 205 - - 2,761 916 Industrial and Commercial Bank of China Limited 6,277 25 - - - ING Bank (Australia) Limited 7,871 131 - 34,924 9,832 ING Bank N.V. - - - - - JPMorgan Chase Bank, National Association 1,854 727 - - - KEB HANA Bank 374 - - 11 7 Macquarie Bank Limited 7,470 2,056 46 21,021 8,743 Mega International Commercial Bank Co., Ltd. 1,845 80 - 10 10 Members Banking Group Limited 11 - - 1,091 268 Members Equity Bank Limited - 33 - 14,201 5,195 Mizuho Bank, Ltd. 7,254 2,805 - - - MyState Bank Limited 65 78 - 2,340 525 National Australia Bank Limited 152,645 25,627 2,206 149,011 105,102 Oversea-Chinese Banking Corporation Limited 6,007 30 - - - Police & Nurses Limited 52 - - 2,204 815 Police Bank Ltd 1 - - 1,140 193 Police Financial Services Limited 0 3 - 1,076 280 QPCU Limited 1 - - 511 151 Qudos Mutual Ltd - - - 2,088 874 Rabobank Australia Limited 14,513 43 - 127 - Royal Bank of Canada 2,282 188 - - - Rural Bank Limited 4,047 - - - - Shinhan Bank Co., Ltd 290 - - - -

Australian Prudential Regulation Authority 8 Table 2 Loans and advances on Australian books of individual banks

($ million)

Households Community service Total gross loans Intra-group loans organisations and non- and advances and advances Credit cards Other profit institutions March 2018 - - - 1,092 - Agricultural Bank of China Limited - 753 - 15,712 - AMP Bank Limited - 40 6 599 - Arab Bank Australia Limited 7,704 8,071 805 393,682 85,342 Australia and New Zealand Banking Group Limited 23 68 - 1,145 - Australian Military Bank Ltd - 106 - 2,362 - Auswide Bank Ltd 3 14 - 667 - B&E Ltd (trading as Bank of us) 26 80 43 4,583 - Bank Australia Limited - - - 6,643 - Bank of America, National Association - - - 157 - Bank of Baroda 1 14 - 1,493 43 Bank of China (Australia) Limited - - - 17,987 178 Bank of China Limited - - - 2,005 - Bank of Communications Co., Ltd. 78 94 0 38,632 4,127 Bank of Queensland Limited 1 2 27 1,563 - Bank of Sydney Ltd - - - 13 - Bank of Taiwan 315 2,579 27 51,634 116 Bendigo and Adelaide Bank Limited - - - 3,928 63 BNP Paribas - - - 335 2,239 BNP Paribas Securities Services - - - 1,364 - Canadian Imperial Bank of Commerce - 10 - 3,897 - China Construction Bank Corporation - - - 200 - China Merchants Bank Co., Ltd - - - 4,734 1,832 Citibank, N.A. 4,922 1,023 - 13,411 1 Citigroup Pty Limited 11,402 17,894 563 607,208 10,957 Commonwealth Bank of Australia 17 741 - 4,984 - Community CPS Australia Limited 8 78 - 1,113 - Community Mutual Ltd - - - 3,400 5,847 Cooperatieve Rabobank U.A. - 673 - 4,726 975 Credit Suisse AG - - - 3,498 - DBS Bank Ltd 13 121 - 1,887 - Defence Bank Limited - - - 2,464 5,423 Deutsche Bank Aktiengesellschaft - - - 287 - E.SUN Commercial Bank, Ltd. 3 16 - 460 - Endeavour Mutual Bank Ltd - - - 1,035 - First Commercial Bank 7 47 0 700 - G&C Mutual Bank Limited - 99 - 882 - Gateway Bank Ltd 26 77 - 5,239 - Greater Bank Limited 83 249 1 6,852 - Heritage Bank Limited 936 72 - 18,349 35 HSBC Bank Australia Limited - 0 - 497 - Hua Nan Commercial Bank, Ltd. 8 21 - 821 - Hume Bank Limited - 226 - 4,109 0 IMB Ltd - - - 6,302 - Industrial and Commercial Bank of China Limited 14 - - 52,773 83 ING Bank (Australia) Limited - - - - 9,043 ING Bank N.V. - - - 2,581 781 JPMorgan Chase Bank, National Association - 1 1 395 - KEB HANA Bank 628 3,508 9 43,480 13,336 Macquarie Bank Limited - - - 1,945 - Mega International Commercial Bank Co., Ltd. - 42 - 1,413 - Members Banking Group Limited 164 167 - 19,760 - Members Equity Bank Limited - - - 10,059 480 Mizuho Bank, Ltd. - 124 - 3,132 - MyState Bank Limited 5,702 18,291 1,719 460,303 34,534 National Australia Bank Limited - - - 6,037 - Oversea-Chinese Banking Corporation Limited 33 41 - 3,145 - Police & Nurses Limited 23 128 - 1,485 - Police Bank Ltd 16 41 - 1,416 - Police Financial Services Limited 10 16 - 689 - QPCU Limited 28 51 - 3,041 - Qudos Mutual Ltd 5 - 0 14,688 13 Rabobank Australia Limited - - - 2,470 8 Royal Bank of Canada - - - 4,047 9 Rural Bank Limited - - - 290 - Shinhan Bank Co., Ltd

Australian Prudential Regulation Authority 9 Table 2 Loans and advances on Australian books of individual banks

($ million)

Households

Non-financial Financial General Housing: Owner- Housing: corporations corporations government occupied Investment March 2018 Standard Chartered Bank - - - - - State Bank of India 763 - - - - State Street Bank and Trust Company - 1,260 - - - Sumitomo Mitsui Banking Corporation 16,036 2,121 - - - Suncorp-Metway Limited 11,259 101 - 30,430 11,882 Taishin International Bank Co., Ltd 200 54 - - - Taiwan Business Bank 991 64 - 12 38 Taiwan Cooperative Bank, Ltd 384 33 - - - Teachers Mutual Bank Limited 0 - - 4,153 955 The Bank of New York Mellon - - - - - The Bank of Nova Scotia 1,656 - - - - The Bank of Tokyo-Mitsubishi UFJ, Ltd 17,676 1,113 85 - - The Hongkong and Shanghai Banking Corporation Limited 9,072 3,305 - - - The Northern Trust Company - 1,954 - - - Tyro Payments Limited 8 1 - - - UBS AG 194 2,193 - - - Union Bank of India 53 - - - - United Overseas Bank Limited 4,705 313 - - 1 Unity Bank Limited 13 - 2 581 193 Victoria Teachers Limited 8 6 - 1,467 376 Westpac Banking Corporation 130,592 19,633 1,485 251,434 152,562 Woori Bank 255 - - - -

TOTAL 722,084 116,416 6,230 1,066,960 554,797

Australian Prudential Regulation Authority 10 Table 2 Loans and advances on Australian books of individual banks

($ million)

Households Community service Total gross loans Intra-group loans organisations and non- and advances and advances Credit cards Other profit institutions March 2018 - - - - - Standard Chartered Bank - - - 763 - State Bank of India - - - 1,260 - State Street Bank and Trust Company - - - 18,157 252 Sumitomo Mitsui Banking Corporation 3 247 4 53,927 494 Suncorp-Metway Limited - - - 254 - Taishin International Bank Co., Ltd - 21 0 1,127 - Taiwan Business Bank - - - 417 - Taiwan Cooperative Bank, Ltd 72 541 - 5,721 - Teachers Mutual Bank Limited - - - - 0 The Bank of New York Mellon - - - 1,656 - The Bank of Nova Scotia - 0 - 18,874 - The Bank of Tokyo-Mitsubishi UFJ, Ltd - - - 12,377 1,221 The Hongkong and Shanghai Banking Corporation Limited - - - 1,954 - The Northern Trust Company - - - 9 - Tyro Payments Limited - - - 2,387 2,868 UBS AG - - - 53 - Union Bank of India - - - 5,019 - United Overseas Bank Limited 7 52 9 857 - Unity Bank Limited 19 59 0 1,935 - Victoria Teachers Limited 9,544 8,554 420 574,224 38,226 Westpac Banking Corporation - - 1 256 - Woori Bank

41,845 65,051 3,637 2,577,021 218,526 TOTAL

Australian Prudential Regulation Authority 11 Table 3 Selected liabilities on Australian books of individual banks

($ million)

Due to clearing Bonds, notes and Intra-group Other houses and financial Acceptances Total deposits long-term deposits borrowings institutions borrowings March 2018 Agricultural Bank of China Limited - - 1,536 - - 1,026 AMP Bank Limited 2 - 8,311 5,650 2,300 95 Arab Bank Australia Limited - - 696 - - 20 Australia and New Zealand Banking Group Limited 1,907 3 314,718 85,998 11,745 31,462 Australian Military Bank Ltd - - 1,230 - - 25 Auswide Bank Ltd - - 2,273 - 38 71 B&E Ltd (trading as Bank of us) - - 727 - - - Bank Australia Limited - - 4,855 3 119 - Bank of America, National Association 1 - 4,485 515 - 1,489 Bank of Baroda - - 147 - - - Bank of China (Australia) Limited 9 - 1,310 40 - - Bank of China Limited 12 - 14,331 7 813 701 Bank of Communications Co., Ltd. - - 1,254 - - 2,105 Bank of Queensland Limited 5 - 37,161 526 5,813 269 Bank of Sydney Ltd - - 1,706 - - 183 Bank of Taiwan ------Bendigo and Adelaide Bank Limited 362 - 51,069 - 3,294 504 BNP Paribas - - 5,158 2,549 654 10,385 BNP Paribas Securities Services - - 6,203 16 - - Canadian Imperial Bank of Commerce ------China Construction Bank Corporation - - 4,230 - 1,059 803 China Merchants Bank Co., Ltd 83 - 43 - - - Citibank, N.A. - 0 7,778 1,111 - 1,067 Citigroup Pty Limited 2 - 6,850 1,717 805 - Commonwealth Bank of Australia 2,615 40 522,367 2,903 16,917 15,420 Community CPS Australia Limited 10 - 4,313 - - 917 Community Mutual Ltd - - 1,229 - - - Cooperatieve Rabobank U.A. - - 1,406 13 4,301 2,488 Credit Suisse AG 22 - 1,888 183 3,010 750 DBS Bank Ltd - - 2,553 - 300 - Defence Bank Limited - - 1,899 - 102 - Deutsche Bank Aktiengesellschaft 475 - 1,148 2,724 555 1,603 E.SUN Commercial Bank, Ltd. - - 65 - - 249 Endeavour Mutual Bank Ltd - - 542 - - 4 First Commercial Bank - - 228 - - 306 G&C Mutual Bank Limited - - 946 - - 20 Gateway Bank Ltd - - 729 - - 208 Greater Bank Limited - - 5,730 5 350 - Heritage Bank Limited 20 - 6,904 - 634 - HSBC Bank Australia Limited 243 121 18,880 1,221 150 1,799 Hua Nan Commercial Bank, Ltd. - - 63 - - 57 Hume Bank Limited - - 999 - - - IMB Ltd - - 4,968 5 70 40 Industrial and Commercial Bank of China Limited - - 2,951 - 2,114 1,455 ING Bank (Australia) Limited 25 - 40,583 9,474 3,007 315 ING Bank N.V. - - 3,153 301 123 725 JPMorgan Chase Bank, National Association - - 9,422 1,984 - 939 KEB HANA Bank - - 336 - - - Macquarie Bank Limited 304 - 47,347 15,825 2,219 2,453 Mega International Commercial Bank Co., Ltd. - - 789 - - 202 Members Banking Group Limited - - 1,459 2 40 11 Members Equity Bank Limited - - 20,021 - 1,687 280 Mizuho Bank, Ltd. 1 - 7,674 98 - - MyState Bank Limited 29 - 3,490 - 35 - National Australia Bank Limited 1,173 - 361,945 104,569 51,882 12,684 Oversea-Chinese Banking Corporation Limited - - 4,326 - 1,875 410 Police & Nurses Limited - - 3,274 0 75 - Police Bank Ltd - - 1,563 - 40 - Police Financial Services Limited - - 1,566 - - 28 QPCU Limited - - 732 - 20 - Qudos Mutual Ltd - - 3,449 - - 50 Rabobank Australia Limited - - 12,006 2,406 - - Royal Bank of Canada - - 4,391 - 3,695 5,958 Rural Bank Limited - - 3,721 - 167 19 Shinhan Bank Co., Ltd - - 5 - - -

Australian Prudential Regulation Authority 12 Table 3 Selected liabilities on Australian books of individual banks

($ million)

Due to clearing Bonds, notes and Intra-group Other houses and financial Acceptances Total deposits long-term deposits borrowings institutions borrowings March 2018 Standard Chartered Bank - - - 96 - - State Bank of India - - 36 - - 756 State Street Bank and Trust Company 13 - 5,166 323 - - Sumitomo Mitsui Banking Corporation - - 15,416 0 - 611 Suncorp-Metway Limited 69 - 43,428 380 5,455 1,801 Taishin International Bank Co., Ltd - - 1 - - 21 Taiwan Business Bank - - 79 - - 66 Taiwan Cooperative Bank, Ltd - - 31 - - 72 Teachers Mutual Bank Limited - - 6,116 - 200 - The Bank of New York Mellon - - 1 5 - - The Bank of Nova Scotia - - 1,303 - 1,000 - The Bank of Tokyo-Mitsubishi UFJ, Ltd - 215 19,224 - - - The Hongkong and Shanghai Banking Corporation Limited 87 - 2,327 35 1,489 116 The Northern Trust Company - - 10,098 - - 25 Tyro Payments Limited - - 10 - - - UBS AG - - 3,855 3,103 4,350 1,925 Union Bank of India - - 26 - - 20 United Overseas Bank Limited - - 5,570 695 1,000 1,283 Unity Bank Limited - - 972 - - 0 Victoria Teachers Limited - - 2,257 - - - Westpac Banking Corporation 3,770 - 448,020 131,374 30,138 12,005 Woori Bank - - 90 - - 20

TOTAL 11,239 378 2,151,154 375,855 163,638 118,313

Australian Prudential Regulation Authority 13 Table 4 Deposits on Australian books of individual banks

($ million)

Non-financial Financial General government Households corporations corporations March 2018 Agricultural Bank of China Limited 13 1,382 - - AMP Bank Limited 1,277 1,847 750 2,859 Arab Bank Australia Limited 273 115 3 267 Australia and New Zealand Banking Group Limited 95,361 49,720 3,311 119,273 Australian Military Bank Ltd 195 285 24 554 Auswide Bank Ltd 25 100 142 1,733 B&E Ltd (trading as Bank of us) 36 111 17 552 Bank Australia Limited 320 205 196 3,793 Bank of America, National Association 3,790 196 - - Bank of Baroda 27 114 - 6 Bank of China (Australia) Limited 90 - 1 1,219 Bank of China Limited 10,291 226 - - Bank of Communications Co., Ltd. 129 - - - Bank of Queensland Limited 9,796 1,070 2,680 18,928 Bank of Sydney Ltd 341 230 32 1,041 Bank of Taiwan - - - - Bendigo and Adelaide Bank Limited 15,084 1,561 2,160 26,225 BNP Paribas 3,075 418 78 - BNP Paribas Securities Services - 6,203 - - Canadian Imperial Bank of Commerce - - - - China Construction Bank Corporation 1,578 1,973 - 0 China Merchants Bank Co., Ltd 23 - - - Citibank, N.A. 4,119 3,649 10 - Citigroup Pty Limited 576 947 1 5,317 Commonwealth Bank of Australia 113,304 87,299 26,962 252,533 Community CPS Australia Limited 77 56 67 4,114 Community Mutual Ltd 294 22 8 892 Cooperatieve Rabobank U.A. 54 470 - - Credit Suisse AG 1,268 289 - 253 DBS Bank Ltd 126 174 - - Defence Bank Limited 220 206 1 1,226 Deutsche Bank Aktiengesellschaft 2 621 - - E.SUN Commercial Bank, Ltd. 15 - - 1 Endeavour Mutual Bank Ltd 25 11 - 500 First Commercial Bank 18 - - 0 G&C Mutual Bank Limited 55 157 7 606 Gateway Bank Ltd 11 130 7 581 Greater Bank Limited 533 313 14 4,299 Heritage Bank Limited 718 515 5 4,999 HSBC Bank Australia Limited 7,630 1,959 - 8,960 Hua Nan Commercial Bank, Ltd. 3 - - 0 Hume Bank Limited - - - 762 IMB Ltd 519 496 339 3,164 Industrial and Commercial Bank of China Limited 2,239 -0 - 9 ING Bank (Australia) Limited 4,309 5,478 870 29,451 ING Bank N.V. - - - - JPMorgan Chase Bank, National Association 1,368 7,854 200 - KEB HANA Bank 82 86 - 4 Macquarie Bank Limited 18,434 20,673 4 7,487 Mega International Commercial Bank Co., Ltd. 131 - - 18 Members Banking Group Limited 75 22 - 1,201 Members Equity Bank Limited 3,286 5,069 1,634 7,209 Mizuho Bank, Ltd. 2,271 580 - - MyState Bank Limited 226 72 - 2,844 National Australia Bank Limited 114,280 64,354 9,410 126,395 Oversea-Chinese Banking Corporation Limited 162 330 60 1 Police & Nurses Limited 138 396 41 2,332 Police Bank Ltd 35 18 - 1,391 Police Financial Services Limited 2 91 - 1,473 QPCU Limited 3 45 21 544 Qudos Mutual Ltd - - - 2,923 Rabobank Australia Limited 3,233 4,124 292 4,185 Royal Bank of Canada 550 890 - - Rural Bank Limited 1,810 504 222 522 Shinhan Bank Co., Ltd 5 - - -

Australian Prudential Regulation Authority 14 Table 4 Deposits on Australian books of individual banks

($ million)

Community service organisations and Certificates of Other deposit accounts Total deposits non-profit deposit institutions March 2018 - - 141 1,536 Agricultural Bank of China Limited 137 - 1,441 8,311 AMP Bank Limited 10 - 29 696 Arab Bank Australia Limited 3,681 - 43,373 314,718 Australia and New Zealand Banking Group Limited 171 1 - 1,230 Australian Military Bank Ltd 48 - 225 2,273 Auswide Bank Ltd 12 - - 727 B&E Ltd (trading as Bank of us) 220 - 120 4,855 Bank Australia Limited - - 500 4,485 Bank of America, National Association - - - 147 Bank of Baroda - - - 1,310 Bank of China (Australia) Limited - - 3,814 14,331 Bank of China Limited - - 1,125 1,254 Bank of Communications Co., Ltd. 22 - 4,664 37,161 Bank of Queensland Limited 62 - - 1,706 Bank of Sydney Ltd - - - - Bank of Taiwan 299 131 5,609 51,069 Bendigo and Adelaide Bank Limited - - 1,586 5,158 BNP Paribas - - - 6,203 BNP Paribas Securities Services - - - - Canadian Imperial Bank of Commerce 70 - 609 4,230 China Construction Bank Corporation - - 20 43 China Merchants Bank Co., Ltd 1 - - 7,778 Citibank, N.A. 9 - - 6,850 Citigroup Pty Limited 6,650 - 35,620 522,367 Commonwealth Bank of Australia - - - 4,313 Community CPS Australia Limited 12 - - 1,229 Community Mutual Ltd - - 883 1,406 Cooperatieve Rabobank U.A. - - 78 1,888 Credit Suisse AG - - 2,254 2,553 DBS Bank Ltd 71 3 173 1,899 Defence Bank Limited - - 526 1,148 Deutsche Bank Aktiengesellschaft - - 49 65 E.SUN Commercial Bank, Ltd. 6 - - 542 Endeavour Mutual Bank Ltd - - 210 228 First Commercial Bank 5 - 116 946 G&C Mutual Bank Limited 0 - - 729 Gateway Bank Ltd 88 - 484 5,730 Greater Bank Limited 103 290 275 6,904 Heritage Bank Limited 141 - 191 18,880 HSBC Bank Australia Limited - - 60 63 Hua Nan Commercial Bank, Ltd. - 238 - 999 Hume Bank Limited 52 - 399 4,968 IMB Ltd - - 703 2,951 Industrial and Commercial Bank of China Limited 18 - 457 40,583 ING Bank (Australia) Limited - - 3,153 3,153 ING Bank N.V. - - - 9,422 JPMorgan Chase Bank, National Association 0 - 163 336 KEB HANA Bank 265 - 485 47,347 Macquarie Bank Limited - - 640 789 Mega International Commercial Bank Co., Ltd. 2 - 159 1,459 Members Banking Group Limited 651 - 2,173 20,021 Members Equity Bank Limited - - 4,822 7,674 Mizuho Bank, Ltd. - - 349 3,490 MyState Bank Limited 10,658 - 36,848 361,945 National Australia Bank Limited - - 3,773 4,326 Oversea-Chinese Banking Corporation Limited 45 - 322 3,274 Police & Nurses Limited 38 - 81 1,563 Police Bank Ltd 1 - - 1,566 Police Financial Services Limited - - 121 732 QPCU Limited - 435 91 3,449 Qudos Mutual Ltd 174 - - 12,006 Rabobank Australia Limited - - 2,951 4,391 Royal Bank of Canada - - 663 3,721 Rural Bank Limited - - - 5 Shinhan Bank Co., Ltd

Australian Prudential Regulation Authority 15 Table 4 Deposits on Australian books of individual banks

($ million)

Non-financial Financial General government Households corporations corporations March 2018 Standard Chartered Bank - - - - State Bank of India 21 11 - 2 State Street Bank and Trust Company - 5,166 - - Sumitomo Mitsui Banking Corporation 4,782 3,030 - - Suncorp-Metway Limited 6,983 6,059 3,433 20,351 Taishin International Bank Co., Ltd 1 - - - Taiwan Business Bank 72 - - 7 Taiwan Cooperative Bank, Ltd 10 - - 1 Teachers Mutual Bank Limited 82 370 52 5,329 The Bank of New York Mellon 1 - - - The Bank of Nova Scotia - 114 - - The Bank of Tokyo-Mitsubishi UFJ, Ltd 7,668 1,260 - - The Hongkong and Shanghai Banking Corporation Limited 4 1,470 - - The Northern Trust Company - 6,574 3,511 - Tyro Payments Limited 9 1 - - UBS AG 5 3,800 - - Union Bank of India 11 14 - - United Overseas Bank Limited 55 1,013 - 2 Unity Bank Limited - 242 - 730 Victoria Teachers Limited 120 102 5 1,886 Westpac Banking Corporation 109,717 77,294 19,463 207,319 Woori Bank 88 - - 0

TOTAL 553,553 380,174 76,030 888,271

Australian Prudential Regulation Authority 16 Table 4 Deposits on Australian books of individual banks

($ million)

Community service organisations and Certificates of Other deposit accounts Total deposits non-profit deposit institutions March 2018 - - - - Standard Chartered Bank - 2 - 36 State Bank of India - - - 5,166 State Street Bank and Trust Company - - 7,604 15,416 Sumitomo Mitsui Banking Corporation 353 - 6,250 43,428 Suncorp-Metway Limited - - - 1 Taishin International Bank Co., Ltd - - - 79 Taiwan Business Bank - - 20 31 Taiwan Cooperative Bank, Ltd 6 0 276 6,116 Teachers Mutual Bank Limited - - - 1 The Bank of New York Mellon - - 1,190 1,303 The Bank of Nova Scotia - - 10,297 19,224 The Bank of Tokyo-Mitsubishi UFJ, Ltd - - 853 2,327 The Hongkong and Shanghai Banking Corporation Limited 13 - - 10,098 The Northern Trust Company - - - 10 Tyro Payments Limited - - 50 3,855 UBS AG - 1 - 26 Union Bank of India - - 4,499 5,570 United Overseas Bank Limited - - - 972 Unity Bank Limited 129 0 15 2,257 Victoria Teachers Limited 3,849 - 30,379 448,020 Westpac Banking Corporation 2 - - 90 Woori Bank

28,071 1,099 223,956 2,151,154 TOTAL

Australian Prudential Regulation Authority 17 Explanatory notes

Introduction Unless otherwise stated, the statistics within this publication relate to the operations/transactions conducted with residents that are recorded on the domestic books of licensed banks. They are intended to provide information on the banking activity of individual banks within the domestic market. Because of the restricted scope, the statistics cannot be expected to reconcile with the published accounts of licensed banks or consolidated groups. The domestic books of a bank has the following scope: - includes operations/transactions booked or recorded inside Australia; - does not consolidate Australian or offshore controlled entities; - includes transactions of Australian-based offshore banking units; - excludes transactions of overseas-based offshore banking units; - excludes offshore branches; and - excludes transactions, assets and liabilities with offshore branches. A resident is an individual, business or other organisation domiciled in Australia. Australian branches and Australian subsidiaries of foreign business are regarded as residents.

Source of data The data in this publication are sourced from the ARF 320.0 Statement of Financial Position (Domestic Books) returns that banks submit to APRA under the Financial Sector (Collection of Data) Act 2001. A blank copy of the return and associated instructions are available from the APRA website.

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