The Reserve Bank uses a wide range of sources to derive our estimates of banks’ funding costs. We use data reported by financial institutions to APRA and banks’ regular profit statements to the market to track the composition of funding.
BIS central bankers’ speeches  1  In addition to changes in the regulatory and supervisory landscape, the banking industry itself has also undergone major changes. Advances in technology and shifts in industry composition between depository institutions and nondepository companies have changed the types of financial services and products that are offered, as well as how those services and products are accessed.