Submissions received by the Committee

Competition within the Australian banking sector

Submissions received by the Committee

Sub No.

1Mr Andrew Oliver (PDF 81KB) 
2Mr Peter Mair (PDF 81KB) 
Supplementary Submission(PDF 43KB) 
3Mr Terence Holmes (PDF 30KB) 
4Mr Suryan Chandrasegaran (PDF 70KB) 
5Mr Mervin Reed (PDF 360KB) 
6Dr Bob Such MP, Member for Fisher (PDF 55KB) 
7Mr Simeneh Makonnen (PDF 76KB) 
8Prof Kevin Davis (PDF 84KB) 
9Mr Selwyn Cornish, College of Business and Economics, Australian National University (PDF 110KB) 
10Mr Mal McCullough (PDF 36KB) 
11Mr Chris Webbe (PDF 4KB) 
12Mr Robert Gay (PDF 16KB) 
13Mr Rob Paton, Ismar Tuzovic (PDF 36KB) Attachment 1(PDF 491KB) 
14Mr Tom Valentine (PDF 38KB) 
15Mr Alan Mills (PDF 728KB) 
16Name Withheld (PDF 276KB) 
17Mr Peter Higgins (PDF 105KB) 
18Mr Richard Wright, Barbara Ann Wright (PDF 29KB) 
19Name Withheld (PDF 16KB) 
20Dr Brett Edgerton (PDF 6KB) 
21Dr Nicholas Gruen, Whitlam Institute, University of Western Sydney (PDF 51KB) Attachment 1(PDF 4355KB) 
22Mr Nicholas Palmer (PDF 135KB) 
23Mortgage and Finance Association of Australia (PDF 1012KB) 
24Real Estate Institute of Australia (REIA) (PDF 227KB) 
25Mr Geoffrey Hodgkinson (PDF 35KB) 
26FirstMac Group (PDF 87KB) 
27SLM Group Limited (PDF 218KB) 
28Prof Milind Sathye, University of Canberra (PDF 300KB) 
29Brotherhood of St Laurence (PDF 535KB) 
30ProSolution Private Clients (PDF 154KB) 
31Maurice Blackburn Pty Limited (PDF 134KB) 
32Prof Ross Buckley (PDF 226KB) 
33Mr Leigh Harkness (PDF 182KB) 
34Laminar Group (PDF 1111KB) 
35ING Direct (PDF 560KB) 
Supplementary Submission(PDF 125KB) 
36Tyro Payments Limited (PDF 99KB) 
Supplementary Submission(PDF 40KB) 
37Australian Chamber of Commerce and Industry (ACCI) (PDF 825KB) 
38Master Builders Australia Ltd (PDF 106KB) 
39Aussie (PDF 1167KB) 
40Australian Industry Group (AIG) (PDF 170KB) 
41Reserve Bank of Australia (RBA) (PDF 268KB) 
42Urban Taskforce Australia Ltd (PDF 100KB) 
43Chamber of Commerce and Industry Queensland (PDF 682KB) 
44Bank of Queensland Limited (PDF 139KB) 
45Suncorp Bank (PDF 194KB) 
46Australia Institute (PDF 242KB) Attachment 1(PDF 442KB) Attachment 2(PDF 214KB) 
47Office of Senator Bob Brown (PDF 57KB) 
48Mr Alan Stokes (PDF 22KB) 
49Australian Payments Clearing Association (APCA) (PDF 119KB) 
50Veda Advantage DL (PDF 4173KB) 
51Mr Richard Talbot (PDF 51KB) 
52Name Withheld (PDF 48KB) 
53Abacus - Australian Mutuals Limited (PDF 329KB) 
Supplementary Submission(PDF 425KB) 
54National Association of Retail Grocers of Australia (NARGA) (PDF 369KB) 
55Financial Redress (PDF 110KB) 
56Prof Frank Zumbo (PDF 46KB) 
57Australian Prudential Regulation Authority (APRA) (PDF 6161KB) 
58Bendigo and Adelaide Bank (PDF 183KB) 
59Institute of Public Affairs (PDF 210KB) 
60Mallesons Stephen Jaques (PDF 238KB) 
61Think Tank Property Finance (PDF 742KB) 
62Virgin Money Australia (PDF 436KB) Attachment 1(PDF 926KB) 
63Associate Professor Steve Keen (PDF 917KB) 
64Mrs Amanda Watson (PDF 45KB) 
65Mr Andrew Selby Smith (PDF 69KB) 
66Australian Finance Conference (PDF 114KB) 
67Brent Fisse Lawyers (PDF 147KB) Attachment 1(PDF 193KB) 
Supplementary Submission(PDF 163KB) 
68WA Small Enterprise Network (PDF 223KB) 
69Mr Greg Bloomfield (PDF 63KB) 
70CHOICE (PDF 137KB) 
Supplementary Submission(PDF 2573KB) 
71ATM Industry Association (ATMIA) (PDF 44KB) 
72The Westpac Group  (PDF 997KB) 
73Mr Andrew Thomas (PDF 174KB) 
74The Australian Securitisation Forum, Inc. (PDF 938KB) 
75Mr Andrew Macken (PDF 23KB) 
76Australian Bankers' Association Inc (PDF 1638KB) 
77ME Bank (Members Equity Bank Pty Ltd) (PDF 70KB) 
78Financial Ombudsman Service Limited (PDF 2637KB) 
79ATM Industry Reference Group (PDF 510KB) 
80Finance Sector Union of Australia (PDF 3215KB) 
81Confidential
82CPA Australia (PDF 647KB) 
83Dr Steven Kates (PDF 101KB) 
84NSW Business Chamber (PDF 823KB) 
85Credit Union Australia (CUA) (PDF 1244KB) 
86Mrs Maria Rigoni (PDF 106KB) 
Supplementary Submission(PDF 332KB) 
Supplementary Submission(PDF 5112KB) 
87Consumer Action Law Centre (PDF 321KB) 
88Commonwealth Bank of Australia (PDF 349KB) 
89Australian Council of Trade Unions (PDF 148KB) 
90Council of Small Business of Australia (COSBOA) (PDF 105KB) Attachment 1(PDF 2202KB) 
91National Australia Bank (PDF 279KB) 
92Mr John McAuley (PDF 285KB) 
93Mr John Turner (PDF 41KB) 
94ANZ Banking Group Ltd (PDF 361KB) 
Supplementary Submission(PDF 129KB) 
95Australian Financial Markets Association (PDF 127KB) 
96Business Council of Australia (PDF 84KB) 
97Mr Lindsay Johnston (PDF 521KB) 
98Confidential
99Confidential
100Confidential
101Yellow Brick Road Wealth Management Pty Ltd (PDF 383KB) 
102The Treasury (PDF 474KB) 
103Professor John Quiggin, School of Economics and School of Political Science and International Studies, University of Queensland (PDF 95KB) Attachment 1(PDF 133KB) 
104Mr Leonard Clampett (PDF 757KB) 
105Mr Paul Myers (PDF 16KB) 
106Mr Michael Woodford (PDF 2179KB) 
107HSBC Bank Australia (PDF 72KB) 
108Commercial Asset Finance Brokers Association of Australia Limited (CAFBA) (PDF 40KB) 
109Mr Archer Field (PDF 49KB) Attachment 1(PDF 1086KB) Attachment 2(PDF 1988KB) Attachment 3(PDF 3606KB) 
110Australian Financial Integrity Network (AusFIN) (PDF 205KB) 
111Confidential
112Banking and Finance Consumers Support Association Inc  (PDF 818KB) 
113Heritage Building Society (PDF 634KB) 
114Dr Carolyn Currie (PDF 68KB) 
115Mortgage House of Australia Pty Ltd (PDF 41KB) 
116Citi Australia (PDF 27KB) 
117Mr John O'Brien (PDF 279KB) 
118Confidential
119Mrs Kay Robinson (PDF 124KB) 
120Australia Post (PDF 1975KB) 
121Financial Services Council (PDF 3516KB) 
122Queensland Teachers' Credit Union Ltd (PDF 107KB) 
123PROVIC Group Inc (PDF 182KB) Attachment 1(PDF 633KB) 
124Mr George Ivanov (PDF 157KB) 
125Mr Michael O'Connor (PDF 26KB) 
126Mr David Allen (PDF 51KB) 
127Visa AP (Australia) Pty Ltd (PDF 1134KB) 
128Accounts4Life (PDF 569KB) 
129Name Withheld (PDF 413KB) 
Supplementary Submission(PDF 48KB) 
130Exposing Unacceptable Financial Activities (EUFA NZ) (PDF 119KB) 
131Confidential
132Mr Mark J. Cohen (PDF 1948KB) 
133Finance Brokers Association of Australia Limited (FBAA) (PDF 106KB) 
134Mr Ken Longshaw (PDF 183KB) Attachment 1(PDF 1690KB) 
135Mr Graham Keen (PDF 844KB) 
136Genworth Financial Mortgage Insurance Pty Ltd (PDF 400KB) Attachment 1(PDF 1861KB) 
137Insurance Council of Australia (PDF 103KB) 


Additional Information Received

2Document tabled by Mr John Symond at a public hearing in Sydney on 14 December 2010; email correspondence between Michael Bath and Ernest Baisi(PDF 707KB) 
3Document tabled by Prof Frank Zumbo at a public hearing in Sydney on 14 December 2010; 'Interest Rates and Margins' graph(PDF 163KB) 
4Document tabled by Mr Phil Nayor at a public hearing in Sydney on 14 December 2010; tables (December 2010)(PDF 136KB) 
5Document tabled by Mr Jonathon Mott at a public hearing in Sydney on 14 December 2010; UBS Investment Research - Australian Banking Sector Update(PDF 9828KB) 
6Document tabled by the Australia Institute at a public hearing in Canberra on 15 December 2010; bank funding costs, 2009 and 2010(PDF 297KB) 
7Additional information provided by the Commonwealth Bank of Australia on 23 December 2010; Bain and Co. report 'Getting bank competition right post-crisis'(PDF 280KB) 
8Document tabled by Credit Union Australia at a public hearing in Melbourne on 25 January 2011; 'CUA vs Average Big 4 Standard Variable 2010' graph(PDF 247KB) 

Answers to Questions on Notice

1Received from the Reserve Bank of Australia on 20 December 2010, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 43KB) 
2Received from the ANZ Bank on 31 December 2010, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 128KB) 
3Received from the Treasury on 11 January 2011, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 47KB) 
4Received from Professor Milind Sathye on 14 January 201, answers to Questions on Notice taken at a public hearing in Canberra on 15 December 2010.(PDF 343KB) 
5Received from CHOICE on 17 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 83KB) 
6Received from the Reserve Bank of Australia on 18 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 83KB) 
7Received from Mr Mike Hirst, Managing Director, Bendigo and Adelaide Bank, on 20 January 2011, answers to senators' questions following the public hearing in Canberra on 15 December 2010.(PDF 3185KB) 
8Received from the Commonwealth Bank of Australia on 28 January 2011, answers to supplementary questions from the public hearing in Sydney on 15 December 2010.(PDF 125KB) 
10Received from APRA on 31 January 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 2289KB) 
11Received from the ANZ Bank on 31 January 2011, answers to written Questions on Notice from the Committee.(PDF 1033KB) 
12Received from the National Australia Bank on 27 January and 1 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 274KB) 
13Received from WA Small Enterprise Network on 1 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 21 January 2011.(PDF 14KB) 
14Received from the Department of the Treasury on 4 February 2011, answers to written questions and answers to Questions on Notice taken at a public hearing in Sydney on 13 December 2010.(PDF 122KB) 
15Received from the Australian Bankers' Association Inc on 8 February 2011, answers to Questions on Notice taken at a public hearing in Sydney on 14 December 2010.(PDF 40KB) 
16Received from Westpac on 7 March 2011, answers to Questions on Notice taken at a public hearing in Sydney on 21 January 2011(PDF 327KB) 
17Received from the Treasury on 23 March 2011, answers to Questions on Notice taken at a public hearing in Sydney on 9 March 2011.(PDF 23KB) 
18Received from the Reserve Bank of Australia on 18 March 2011, answers to Questions on Notice taken at a public hearing in Brisbane on 4 March 2011.(PDF 174KB) 

For further information, contact:

Department of the Senate
PO Box 6100
Parliament House
Canberra ACT 2600
Australia

Phone:+61 2 6277 3540
Fax:+61 2 6277 5719
Email:economics.sen@aph.gov.au

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