AU: APS 210 Liquidity
|
|
| Regulator |
APRA |
| Jurisdiction |
AU |
| Status |
live |
| Applicability |
Platform |
APRA Prudential Standard APS 210 Liquidity governs liquidity risk management for authorised
deposit-taking institutions. Category 1 (large) ADIs must maintain a Liquidity Coverage Ratio (LCR) ≥ 100%
and a Net Stable Funding Ratio (NSFR) ≥ 100%. Category 2 (smaller) ADIs must maintain a Minimum Liquidity
Holding (MLH) of 9% of liabilities as a simpler proxy. All ADIs must operate a board-approved liquidity
risk management framework including a Contingency Funding Plan (CFP), intraday liquidity monitoring, and
periodic stress testing.
A challenger bank will be classified Category 2 in the early operating period. The platform is designed to
support Category 1 LCR/NSFR from day one as the ADI is expected to reach Category 1 classification within
the business plan horizon.
Compliance register
This register maps every material obligation under APS 210 to the platform control or institutional
process that satisfies it. It is the static traceability layer for the Totara compliance report —
dynamic data (module build status, test evidence, control test dates) is overlaid at runtime.
Scope legend
| Symbol |
Meaning |
| 🤖 Automated |
Platform enforces or performs the obligation. Primary control mode is GATE, AUTO, CALC, or ALERT. Human action is not required in the normal case. |
| 📊 Evidenced |
Platform captures the evidence trail automatically. Human compliance decision sits on top. Primary control mode is LOG. |
| 🏛 Institutional |
Obligation is met by a process entirely outside the platform — ALCO, board, treasury. Platform may generate evidence inputs but does not own the process. |
| N/A |
Obligation does not apply to this deployment configuration. |
Build legend
| Symbol |
Meaning |
| ✅ |
Module built and deployed |
| 🔨 |
Module planned — not yet built (build_status: Not started) |
| ❌ |
Uncontrolled gap — no module attributed |
Category 1 ADI — LCR and NSFR
| Ref |
Obligation |
Scope |
Policy |
Platform controls |
Build |
| Para 14 |
Maintain LCR ≥ 100% on a daily basis; High Quality Liquid Assets (HQLA) must cover net cash outflows over a 30-day stress period |
🤖 Automated |
CLQ-002 |
MOD-032 (CALC) — LCR calculated from real data continuously; no manual spreadsheet, no T+1 lag; ALERT raised if LCR approaches 100% threshold |
🔨 |
| Para 22 |
Maintain NSFR ≥ 100% on a monthly basis; available stable funding must exceed required stable funding |
🤖 Automated |
CLQ-002 |
MOD-032 (CALC) — NSFR calculated from balance sheet funding profile; updated on each funding event |
🔨 |
| Para 26 |
Intraday liquidity — monitor and manage intraday liquidity positions in real time |
🤖 Automated |
CLQ-002 |
MOD-150 (CALC) — intraday payment system exposure computed in real-time from the payment event stream, extending MOD-032's end-of-day LCR calculation to cover intraday exposure |
🔨 |
Category 2 ADI — MLH (initial operating period)
| Ref |
Obligation |
Scope |
Policy |
Platform controls |
Build |
| Para 40 |
Maintain MLH ≥ 9% of liabilities; liquid assets must meet composition requirements |
🤖 Automated |
CLQ-002 |
MOD-032 (CALC) — MLH ratio computed as an alternative output when Category 2 mode is active; Category 2 / Category 1 classification is a configuration parameter |
🔨 |
Liquidity risk framework and stress testing
| Ref |
Obligation |
Scope |
Policy |
Platform controls |
Build |
| Para 50 |
Liquidity stress testing — conduct 3-month and 12-month scenario stress tests on a periodic basis |
🤖 Automated |
CLQ-002 |
MOD-034 (CALC) — stress testing scenario engine runs liquidity stress scenarios; outputs consumed by MOD-150 RAF dashboard |
🔨 |
| Para 55 |
Contingency Funding Plan — board-approved plan covering early warning indicators, liquidity response actions, and escalation procedures |
🏛 Institutional |
CLQ-002 |
MOD-150 (CALC) — early warning indicators from the RAF dashboard provide the quantitative trigger data for the CFP; CFP document, approval, and activation are institutional acts |
— |
Reporting
| Ref |
Obligation |
Scope |
Policy |
Platform controls |
Build |
| Para 62 |
Monthly APRA liquidity reporting — LCR return (ARS 210.0 / D2A) or MLH return depending on category |
🤖 Automated |
REP-002 |
MOD-036 (AUTO) — prudential return builder produces ARS 210 liquidity return from MOD-032 outputs automatically on schedule; MOD-036 (LOG) — every figure traceable to source calculation |
🔨 |
| Obligation |
Owner |
Platform evidence input |
| Board-approved Liquidity Risk Management Framework |
Board / ALCO |
MOD-032 and MOD-150 provide the quantitative backbone; framework document approval is a board resolution |
| Contingency Funding Plan design, approval, and activation |
ALCO / CFO / Board |
MOD-150 early warning indicators are the CFP trigger inputs; CFP is an institutional document |
| Annual CFP testing |
ALCO / COO |
MOD-034 stress engine provides the simulation environment; test execution and results review are institutional |
| APRA liquidity supervisory review and dialogue |
CFO / CRO |
MOD-032 and MOD-036 produce the submission-ready data; supervisory engagement is institutional |
Coverage summary
| Area |
Total obligations |
Platform automated 🤖 |
Platform evidenced 📊 |
Institutional 🏛 |
N/A |
| LCR / NSFR (Category 1) |
3 |
3 |
0 |
0 |
0 |
| MLH (Category 2) |
1 |
1 |
0 |
0 |
0 |
| Stress testing and CFP |
2 |
1 |
0 |
1 |
0 |
| Reporting |
1 |
1 |
0 |
0 |
0 |
| Total |
7 |
6 (86%) |
0 (0%) |
1 (14%) |
0 |
All attributed modules are currently build_status: Not started. The compliance position will update as
modules are built and deployed.
| Policy |
Title |
| CLQ-002 |
Liquidity Risk Management Policy |
| REP-002 |
Prudential Reporting Policy |
Official documentation
Policies referencing this standard
- CLQ-002 — Liquidity Risk Management Policy
- REP-002 — Prudential Reporting Policy
Compiled 2026-05-22 from source/entities/regulations/au-aps-210.yaml