Entity tier profiles¶
9 tier profiles across NZ and AU — the reference dimension for configuring obligation scope, calculation methodology, and governance portal views for each client entity.
An entity tier profile captures: asset thresholds, capital methodology (Standardised / IRB-eligible),
liquidity framework (LCR-NSFR-MFCR / CFCR / MLH), OBR applicability, disclosure depth, and
applicable non-core standards. Policies, regulations, and modules tagged with entity_tiers apply
only to the listed tiers; untagged items apply to all tiers in the declared jurisdiction.
Generated 2026-05-22
New Zealand — DTA Proportionality Groups¶
Under the Deposit Takers Act 2023, the RBNZ Proportionality Framework establishes four groups for NZ-incorporated deposit takers. The DTA takes full effect December 2028; standards are being progressively introduced from 2026. Both current and proposed standards must be supported simultaneously as institutions are planning now.
| Tier | Name | Asset threshold | Capital | Liquidity | OBR | Disclosure |
|---|---|---|---|---|---|---|
| NZ-G1 | NZ Group 1 — D-SIB | > NZD 100 billion | IRB-eligible | LCR-NSFR-MFCR | Yes | Full |
| NZ-G2 | NZ Group 2 | NZD 2 billion – NZD 100 billion | Standardised | LCR-NSFR-MFCR | Yes | Full |
| NZ-G3 | NZ Group 3 | < NZD 2 billion | Standardised | CFCR | No | Dashboard |
| NZ-G4 | NZ Group 4 — Overseas Branch | n/a (overseas-incorporated entity) | N/A | N/A | No | Branch |
Australia — APRA ADI Categories¶
APRA operates a current two-category framework (SFI / Non-SFI) and is transitioning to a three-tier framework (MSFI / SFI / Non-SFI) expected to be finalised by end 2026. Both the current and proposed frameworks are modelled here.
| Tier | Name | Asset threshold | Status | Capital | Liquidity | Disclosure |
|---|---|---|---|---|---|---|
| AU-MSFI | AU ADI — Most Significant Financial Institution (proposed) | > AUD 300 billion (proposed) | Proposed | IRB-eligible | LCR-NSFR | Full |
| AU-NonSFI | AU ADI — Non-SFI | ≤ AUD 20 billion and not APRA-designated | Current | Standardised | MLH | Simplified |
| AU-NonSFI-3T | AU ADI — Non-SFI (three-tier, proposed) | ≤ AUD 30 billion and not APRA-designated (proposed three-tier framework) | Proposed | Standardised | MLH | Simplified |
| AU-SFI | AU ADI — Significant Financial Institution | > AUD 20 billion, or APRA-designated | Current | IRB-eligible | LCR-NSFR | Full |
| AU-SFI-3T | AU ADI — Significant Financial Institution (three-tier, proposed) | > AUD 30 billion (proposed three-tier framework) | Proposed | IRB-eligible | LCR-NSFR | Full |
How tiers affect the platform¶
Obligation scope¶
Regulations and policies with an entity_tiers list apply only to the listed tiers.
Untagged items apply to all tiers in the declared jurisdiction. This allows the compliance
report and governance portal to render a filtered, tier-appropriate obligation set for each
client.
Module deployment¶
Modules tagged with entity_tiers are deployed only for those tiers. Key examples:
- MOD-143 OBR pre-positioning — NZ-G1 and NZ-G2 only
- MOD-032 LCR/NSFR calculator — NZ-G1, NZ-G2, AU-SFI, AU-MSFI, AU-SFI-3T
- CFCR calculation (NZ-G3) and MLH calculation (AU-NonSFI, AU-NonSFI-3T) are documented as platform gaps requiring a simplified liquidity module.
Dual-standard support¶
Proposed tiers (AU-MSFI, AU-SFI-3T, AU-NonSFI-3T) co-exist with their current counterparts (AU-SFI, AU-NonSFI). A compliance report for an AU SFI-level entity will reference both AU-SFI (current, operative) and AU-SFI-3T (proposed, planning horizon) simultaneously. This matches how existing banks are demonstrating compliance readiness today.
Compiled 2026-05-22