Financial Sector (Collection of Data) (reporting standard) determination No. 42 of 2006 Reporting Standard ARS 396.0 Points of Presence (Cth)
Financial Sector (Collection of Data) (reporting standard) determination No. 42 of 2006
Reporting standard ARS 396.0 Points of Presence
Financial Sector (Collection of Data) Act 2001
I, Charles Watts Littrell, a delegate of APRA, under paragraph 13(1)(a) of the Financial Sector (Collection of Data) Act 2001 (the Act) and subsection 33(3) of the Acts Interpretation Act 1901:
REVOKE the Reporting Standard ARS 396.0 (2005) Points of Presence; and
DETERMINE the Reporting standard ARS 396.0 Points of Presence in the form set out in the Schedule, which applies to the financial sector entities referred to in paragraph 2 of the reporting standard.
Under section 15 of the Act, I DECLARE that the reporting standard shall begin to apply to those financial sector entities on the later of 1 July 2006 and the date of registration on the Federal Register of Legislative Instruments.
Dated 26 June 2006
[signed]
Charles Littrell
Executive General Manager
Policy, Research and Statistics
APRA
Interpretation
In this Determination
APRA means the Australian Prudential Regulation Authority.
Schedule
Reporting standard ARS 396.0 Points of Presence comprises 23 pages commencing on the next page.
Reporting Standard ARS 396.0
Points of Presence
Objective of this reporting standard
This reporting standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001. It requires all authorised deposit-taking institutions, including foreign authorised deposit-taking institutions operating in Australia through branch operations, to report to APRA, generally on an annual basis, in relation to the type and locality of service delivery channels within Australia.
This reporting standard outlines the overall requirements for the provision of relevant information to APRA. It should be read in conjunction with Form ARF 396.0 Points of Presence and the associated instructions (all of which are attached and form part of this reporting standard).
Purpose
Data collected in Form ARF 396.0 Points of Presence (Form ARF 396.0) is used by APRA for the purpose of prudential supervision. It may also be used by the Reserve Bank of Australia and the Australian Bureau of Statistics.
Application
This reporting standard applies to all authorised deposit-taking institutions (ADIs).
Information required
An ADI that is a:
(a)locally-incorporated bank;
(b)locally-incorporated special service provider; or
(c)foreign ADI (other than a specialist credit card institution)
must provide APRA with the information required by Form ARF 396.0 on a domestic books basis for each reporting period.
An ADI that is:
(a)a locally-incorporated credit union;
(b)a locally-incorporated building society;
(c)a specialist credit card institution (whether locally-incorporated or not); or
(d)Cairns Penny Savings & Loans Limited
must provide APRA with the information required by Form ARF 396.0 on a licensed ADI basis for each reporting period.
Forms and method of submission
The information required by this reporting standard must be given to APRA either:
(a)in electronic form, using one of the electronic submission mechanisms provided by the ‘Direct to APRA’ (also known as ‘D2A’) application; or
(b)manually completed on paper, which must be faxed or mailed to APRA’s head office.
Note: the Direct to APRA application software and paper forms may be obtained from APRA.
Reporting periods and due dates
Subject to paragraph 7, an ADI must provide the information required by this reporting standard in respect of each financial year (within the meaning of the Corporations Act 2001) of the ADI.
APRA may, by notice in writing, change the reporting periods, or specified reporting periods, for a particular ADI, to require it to provide the information required by this reporting standard more frequently, or less frequently, having regard to:
(a)the particular circumstances of the ADI;
(b)the extent to which the information is required for the purposes of the prudential supervision of the ADI; and
(c)the requirements of the Reserve Bank of Australia or the Australian Bureau of Statistics.
The information required by this reporting standard must be provided to APRA by 20 business days after the end of the reporting period to which it relates.
APRA may grant an ADI an extension of a due date in writing in which case the new due date for the provision of the information will be the date on the notice of extension.
Authorisation
All information provided by an ADI under this reporting standard must be subject to processes and controls developed by the ADI for the internal review and authorisation of that information. It is the responsibility of the board and senior management of the ADI to ensure that an appropriate set of policies and procedures for the authorisation of data submitted to APRA is in place.
If an ADI submits information under this reporting standard using the ‘Direct to APRA’ software, it will be necessary for an officer of the ADI to digitally sign, authorise and encrypt the relevant data. For this purpose, APRA’s certificate authority will issue ‘digital certificates’, for use with the software, to officers of the ADI who have authority from the ADI to transmit the data to APRA.
If information under this reporting standard is provided in paper form, it must be signed on the front page of the relevant completed form by either:
(a)the Principal Executive Officer of the ADI; or
(b)the Chief Financial Officer of the ADI (whatever his or her official title may be).
Minor alterations to forms and instructions
APRA may make minor variations to:
(a)a form that is part of this reporting standard, and the instructions to such a form, to correct technical, programming or logical errors, inconsistencies or anomalies; or
(b)the instructions to a form, to clarify their application to the form
without changing any substantive requirement in the form or instructions.
If APRA makes such a variation it must notify in writing each ADI that is required to report under this reporting standard.
Transitional
An ADI must report under the old reporting standard in respect of a transitional reporting period. For these purposes:
old reporting standard means the reporting standard revoked in the determination making this reporting standard (being the reporting standard which this reporting standard replaces).
transitional reporting period means a reporting period under the old reporting standard:
(a)which ended before the date of revocation of the old reporting standard; and
(b)in relation to which the ADI was required, under the old reporting standard, to report by a date on or after the date of revocation of the old reporting standard.
Interpretation - classifications of ADIs
In this reporting standard:
ADI means an authorised deposit-taking institution within the meaning of the Banking Act 1959.
ADI list means the attached ADI list.
building society means an ADI whose name appears under the heading ‘Building Societies’ in the ADI list.
credit union means an ADI whose name appears under the heading ‘Credit Unions’ in the ADI list.
foreign ADI means an ADI that is not incorporated in Australia.
locally-incorporated means incorporated in Australia.
locally-incorporated bank means an ADI whose name appears under the heading ‘Australian-owned Banks’ or ‘Foreign Subsidiary Banks’ in the ADI list.
special service provider means an ADI whose name appears under the heading ‘Other ADIs’ in the ADI list (other than Cairns Penny Savings & Loans Limited).
specialist credit card institution means an ADI whose name appears under the heading ‘Specialist Credit Card Institutions (SCCIs)’ in the ADI list.
If an ADI is not in the ADI list, then:
(a)if the ADI assumes or uses the word ‘bank’ in relation to its financial business, and is locally-incorporated, it is taken to be a locally-incorporated bank for the purposes of this reporting standard;
(b)if the ADI assumes or uses the expression ‘building society’ in relation to its financial business, and is locally-incorporated, it is taken to be a locally-incorporated building society for the purposes of this reporting standard;
(c)if the ADI assumes or uses the expression ‘credit union’, ‘credit society’ or ‘credit co-operative’ in relation to its financial business, and is locally-incorporated, it is taken to be a locally-incorporated credit union for the purposes of this reporting standard; and
(d)if the ADI engages in credit card issuing or credit card acquiring, or both, and does not otherwise carry on banking business within the meaning of section 5 of the Banking Act 1959, it is taken to be a specialist credit card institution for the purposes of this reporting standard.
APRA may in writing determine that an ADI is taken to be a locally-incorporated bank, locally-incorporated building society, locally-incorporated credit union, a locally-incorporated special service provider or a specialist credit card institution for the purposes of this reporting standard (even if, under paragraph 16 or 17, it comes within a different classification).
Interpretation - other definitions
In this reporting standard:
business days means ordinary business days, exclusive of Saturdays, Sundays and public holidays
Principal Executive Officer means the principal executive officer of the ADI for the time being, by whatever name called, and whether or not he or she is a member of the governing board of the entity.
reporting period means a reporting period under paragraph 6 or, if applicable, paragraph 7.
The ADI list
Australian-owned Banks
Adelaide Bank Limited
AMP Bank Limited
Australia and New Zealand Banking Group Limited
Bank of Queensland Limited
Bendigo Bank Limited
Commonwealth Bank of Australia
Commonwealth Development Bank of Australia Limited (a subsidiary of Commonwealth Bank of Australia)
Elders Rural Bank Limited
Macquarie Bank Limited
Members Equity Bank Pty Limited
National Australia Bank Limited
St George Bank Limited
Suncorp-Metway Limited
Westpac Banking Corporation
Foreign Subsidiary Banks
Arab Bank Australia Limited
Bank of China (Australia) Limited
Bank of Cyprus Australia Pty Limited
BankWest (the trading name of Bank of Western Australia Limited, a foreign subsidiary bank following its sale to Bank of Scotland in December 1995)
Citigroup Pty Limited
HSBC Bank Australia Limited
ING Bank (Australia) Limited
Investec Bank (Australia) Limited
Laiki Bank (Australia) Limited
NM Rothschild & Sons (Australia) Limited
Rabobank Australia Limited (a subsidiary of Rabobank Nederland from October 1994)
Branches of Foreign Banks
ABN AMRO Bank N.V.
Bank of America, National Association
Bank of China (subject to depositor protection provisions of the Banking Act 1959)
Bank of Tokyo-Mitsubishi UFJ, Ltd
Barclays Capital (the trading name of Barclays Bank plc)
BNP Paribas
Citibank N.A.
Credit Suisse
Deutsche Bank AG
HBOS Treasury Services plc
HSBC Bank plc
ING Bank NV
JPMorgan Chase Bank, National Association
Mizuho Corporate Bank, Ltd
Oversea-Chinese Banking Corporation Limited
Rabobank Nederland (the trading name of Co-operative Central Raiffeisen-Boerenleenbank B.A.)
Royal Bank of Canada
Société Générale
Standard Chartered Bank
State Bank of India
State Street Bank and Trust Company
The International Commercial Bank of China
The Royal Bank of Scotland Plc
The Toronto-Dominion Bank
Taiwan Business Bank
UBS AG
United Overseas Bank Limited
WestLB AG
Building Societies
ABS Building Society Ltd
B & E Ltd
Greater Building Society Ltd
Heritage Building Society Limited
Home Building Society Ltd
Hume Building Society Ltd
IMB Ltd
Lifeplan Australia Building Society Limited
Mackay Permanent Building Society Ltd
Maitland Mutual Building Society Limited
Newcastle Permanent Building Society Ltd
Pioneer Permanent Building Society Limited
The Rock Building Society Limited
Wide Bay Australia Ltd
Credit Unions
Alliance One Credit Union Ltd
AMP Employees' & Agents Credit Union Limited
Austral Credit Union Limited
Australian Central Credit Union Limited
Australian Country Credit Union Ltd (trading as Reliance Credit Union)
Australian Defence Credit Union Ltd
AWA Credit Union Limited
Bananacoast Community Credit Union Ltd
Bankstown City Credit Union Ltd
Berrima District Credit Union Ltd
Big Sky Credit Union Ltd
Blue Mountains and Riverlands Community Credit Union Ltd
Broadway Credit Union Ltd
Calare Credit Union Ltd
CAPE Credit Union Limited
Capital Credit Union Ltd
Capricornia Credit Union Ltd
Carboy (SA) Credit Union Limited
Central Murray Credit Union Limited
Central West Credit Union Limited
Circle Credit Co-operative Limited
Coastline Credit Union Limited
Collie Miners Credit Union Ltd
Community Alliance Credit Union Limited
Community CPS Australia Limited
Community First Credit Union Limited
Companion Credit Union Limited
Comtax Credit Union Limited
Connect Credit Union of Tasmania Limited
Country First Credit Union Ltd
CPS Credit Union Co-operative (ACT) Limited
Credit Union Australia Ltd
Credit Union Incitec Pivot Limited
Croatian Community Credit Union Limited
CSR and Rinker Employees Credit Union Limited
Dairy Farmers Credit Union Ltd
Defence Force Credit Union Limited
Discovery Credit Union Ltd
Dnister Ukrainian Credit Co-operative Limited
ELCOM Credit Union Ltd
Electricity Credit Union Ltd
Encompass Credit Union Limited
Ericsson Employees Credit Co-operative Limited
Esso Employees' Credit Union Ltd
Eurobodalla Credit Union Ltd
Family First Credit Union Limited
Fire Brigades Employees' Credit Union Limited
Fire Service Credit Union Limited
Firefighters & Affiliates Credit Co-operative Limited
First Option Credit Union Limited
First Pacific Credit Union Limited
Fitzroy & Carlton Community Credit Co-operative Limited
Ford Co-operative Credit Society Limited
Gateway Credit Union Ltd
Geelong & District Credit Co-operative Society Limited
GMH (Employees) Q.W.L. Credit Co-operative Limited
Goldfields Credit Union Ltd
Gosford City Credit Union Ltd
Goulburn Murray Credit Union Co-operative Limited
H.M.C. Staff Credit Union Ltd
Heritage Isle Credit Union Limited
Hibernian Credit Union Limited
Holiday Coast Credit Union Ltd
Horizon Credit Union Ltd
Hoverla Ukrainian Credit Co-operative Ltd
Hunter Mutual Limited
Hunter United Employees' Credit Union Limited
Industries Mutual Credit Union Limited
Intech Credit Union Limited
Island State Credit Union Ltd
Karpaty Ukrainian Credit Union Limited
La Trobe Country Credit Co-operative Limited
La Trobe University Credit Union Co-operative Limited
Laboratories Credit Union Ltd
Latvian Australian Credit Co-operative Society Limited
Lithuanian Co-operative Society (Talka) Limited
Lysaght Credit Union Ltd
MacArthur Credit Union Ltd
Macaulay Community Credit Co-operative Limited
Macquarie Credit Union Limited
Maleny and District Community Credit Union Limited
Manly Warringah Credit Union Ltd
Maritime Workers of Australia Credit Union Ltd
Maroondah Credit Union Ltd
MECU Limited
Melbourne University Credit Union Limited
Memberfirst Credit Union Limited
New England Credit Union Ltd
Newcom Colliery Employees' Credit Union Ltd
Northern Inland Credit Union Ltd
Nova Credit Union Limited
NSW Teachers Credit Union Ltd
Old Gold Credit Union Co-operative Limited
Orana Credit Union Ltd
Orange Credit Union Limited
Phoenix (NSW) Credit Union Ltd
Plenty Credit Co-operative Limited
Police & Nurses Credit Society Limited
Police Association Credit Co-operative Limited
Police Credit Union Limited
Polish Community Credit Union Ltd
Power Credit Union Limited
Powerstate Credit Union Ltd
Pulse Credit Union Limited
Qantas Staff Credit Union Limited
Queensland Community Credit Union Limited
Queensland Country Credit Union Ltd
Queensland Police Credit Union Limited
Queensland Professional Credit Union Ltd
Queensland Teachers' Credit Union Limited
Queenslanders Credit Union Limited
Railways Credit Union Limited
RegionalOne Credit Union Limited
Resources Credit Union Limited
RTA Staff Credit Union Limited
Satisfac Direct Credit Union Limited
Savings and Loans Credit Union (S.A.) Ltd
Security Credit Union Ltd
Select Credit Union Ltd
Service One Credit Union Ltd
SGE Credit Union Limited
Shell Employees' Credit Union Limited
South West Slopes Credit Union Ltd
Southern Cross Credit Union Limited
South-West Credit Union Co-operative Limited
St Mary's Swan Hill Co-operative Credit Society Limited
St Patrick's Mentone Co-operative Credit Society Limited
Statewest Credit Society Limited
Sutherland Credit Union Ltd
Sutherland Shire Council Employees' Credit Union Ltd
Sydney Credit Union Ltd
Tartan Credit Union Ltd
The Broken Hill Community Credit Union Ltd
The Gympie Credit Union Ltd
The Police Department Employees' Credit Union Limited
The Summerland Credit Union Limited
The TAFE and Community Credit Union Limited
The University Credit Society Limited
Traditional Credit Union Limited
TransComm Credit Co-operative Limited
Uni Credit Union Ltd
United Credit Union Limited
Victoria Teachers Credit Union Limited
Wagga Mutual Credit Union Ltd
Warwick Credit Union Ltd
WAW Credit Union Co-operative Limited
Westax Credit Society Ltd
Western City Credit Union Ltd
Woolworths/Safeway Employees' Credit Co-operative Limited
Wyong Council Credit Union Ltd
Yennora Credit Union Ltd
Specialist Credit Card Institutions (SCCIs)
Foreign-owned SCCIs
GE Capital Finance Australia
GE Finance Australasia Pty Ltd
Locally Incorporated SCCIs
MoneySwitch Limited
Other ADIs
These companies are run by industry bodies and provide services (eg payments clearing) to member building societies and credit unions.
Australian Settlements Limited
Credit Union Services Corporation (Australia) Limited
Indue Ltd
One ADI that provides general banking services which does not fall into the other categories.
Cairns Penny Savings & Loans Limited
Authorised Non-Operating Holding Companies
HBOS Australia Pty Ltd
Reporting Form ARF 396.0
Points of Presence
Instruction Guide
This form collects information about the type and locality of service delivery channels, or “points of presence” for authorised deposit-taking institutions (ADIs), within Australia. This form requires full disclosure of face-to-face services and electronic service points (excluding Electronic Funds Transfer at Point of Sale (EFTPOS)/Electronic Funds Transfer at Point of Banking (EFTPOB)).
ADIs need to segment their service channels into types of outlet. A description of the minimum services available to customers at each outlet must be provided. The form does not mandate the way that institutions segment their service outlets.
General directions and notes
Reporting entity
This form is to be completed by all locally incorporated banks, Foreign ADIs and Special Service Providers (SSPs) on a Domestic books basis.
This form should be completed by Credit Unions, Cairns Penny Savings & Loans Limited, Building Societies and Specialist Credit Card Institutions (SCCIs) on a licensed ADI basis. SCCIs that operate as branches in Australia are required to complete this form for the Australian branch only.
Securitisation deconsolidation principle
Except where stated otherwise on this form, reporting entities must treat any securitisation program special purpose vehicles (SPVs) in which the ADI (or a member of its consolidated group) participates in accordance with APRA’s clean sale and separation requirements as non-consolidated independent third parties. As a result, for reporting purposes all assets, liabilities, revenues and expenses of these SPVs must be excluded from the ADI’s reported amounts. Where relevant, report on this form any exposure to or other transaction between the ADI and any such SPV as if such transaction was conducted with an independent third party, regardless of whether the SPV or its assets is consolidated for accounting purposes.
APRA's clean sale and separation requirements are set out in APS 120 Funds Management and Securitisation and related Guidance Notes AGN 120.3 Purchase and Supply of Assets (including Securities Issued by SPVs) (AGN 120.3) and AGN 120.1 Disclosure and Separation. Whenever the clean sale and separation requirements are not met, all the assets, liabilities, revenues and expenses of the SPV are to be consolidated with the ADI’s reported amounts.
Licensed ADI
This refers to the operations of the reporting ADI on a stand-alone basis.
Reporting period
The form is to be completed for the period ending 30 June each financial year. Locally incorporated banks, Foreign ADIs, SSPs, Credit Unions, Cairns Penny Savings & Loans Limited, Building Societies and SCCIs are required to submit the completed return within 20 business days of the reporting period.
Specific instructions
Section A: Service channel type
Service channel type
To specify the service channel type, ADIs should provide the name of each service channel type using their own accepted internal naming conventions. Some examples of the types of service channels your institution could report include: Branch, Agency, Automated Teller Machines (ATM), EFTPOS, Head Office, Mobile Lenders. A separate form should be completed for each type of service or distribution outlet.
Description of service channel
A textual description of the service channel should be included within the text box and should be as complete as possible.
For face-to-face services, the description should address each of the following areas:
Does the Point of Presence (POP) provide cash/cheque deposit and cash withdrawal services for personal and small business customers?
Does the POP provide cash/cheque deposit and cash withdrawal services for personal customers only?
Does the POP provide direct access to other financial services?
Are non - financial services provided by the POP?
Is the POP located in the ADIs premises?
Do other businesses operate out of the same premises?
Do ADI employees staff the POP?
Do any of the POPs in this class of service outlet provide access to financial services on a part time basis?
If the answer to (8) is YES – then the basis on which the services are made available should be described (e.g: “Branches indicated as “Part Time” are staffed at least 7.5 hours each week”)
Meets minimum branch requirements
ADIs will need to declare whether or not the service channel type meets the definition of a ‘branch’ as described below. If it does the box for “Meets minimum branch requirements” question should be marked with Y.
To be considered a branch, the following minimum face-to-face services must all be provided.
A branch:
accepts cash and other deposits (including business deposits) and provides change;
facilitates the keeping of accounts for customer access, including the provision of account balances;
opens and closes accounts;
can facilitate or arrange the assessment of the credit risk of existing and potential customers; and
offers additional services in the one establishment such as financial services, business banking and specialist lending, if these are generally available from the ADI.
The last dot point above need not mean that a financial adviser or business credit manager be available in the branch - the staff of the branch may simply act as a referral point for customers interested in these kinds of services.
Service channels that do not meet the minimum branch requirements
If a service channel does not meet the minimum branch requirements, you are required to select which of the following categories it falls into: “Other face-to-face”, “Electronic” or “Other”.
“Other face-to-face” includes service channels that provide face-to-face services but do not meet the minimum branch requirements, such as, Agencies, Mobile Lenders, Head Offices etc.
Service channels falling into the “Electronic” category may include ATMs, EFTPOS & RediPOS etc.
The “Other” category may include service channels such as Merchant/Investment Bank Offices, Internet/Telephone Banking.
Uniformity and reporting electronic service channels
ADIs are required to report information about their Automatic Teller Machines and Cash Dispensers (CDs). The reporting of other forms of electronic service channels, while encouraged, is not mandatory.
Please report these services using the three generally accepted classes of electronic service points:
ATMs and CDs
Terminal allowing an authorised cardholder to withdraw cash from either a cheque/savings or credit account. Where the terminal is an ATM, it will also provide access to a varying range of other services such as balance inquiry, transfer of funds and acceptance of deposits. Authorisation is via a Personal Identification Number (PIN). Access is unassisted and may be 24 hours/day, depending on the terminal’s location.
The reporting of ATMs within the Points of Presence form should be done in the following manner:
the ADI that has ownership of the ATM and is responsible for the switching of transactions are to report this terminal on the form.
do not report ATMs that are supplied by other institutions even though your institution has access to the third party owned ATM.
EFTPOS terminal
Terminal located at a retail outlet which enables an authorised cardholder to purchase goods and services using either deposit or credit funds and may also enable cash withdrawals using deposit funds. Authorisation is via a PIN for deposit funds and a verified signature for credit funds. Access is with the assistance of the retailer and is therefore restricted to the operating hours of the retail outlet.
All ADIs must report their own terminals.
For non-ADI owned terminals. The party or ADI which is responsible for key management of the terminal is responsible for recording the terminal on this form. Provision of key management involves securing the transaction message at the point of capture. This would also include switching the transaction. For example, a third party who owns the terminal and has an ADI ‘driving’ the transactions, the ADI is to report these terminals (a non-ADI third party that owns the terminal and ‘drives’ the transactions will report to the Reserve Bank).
EFTPOB terminal
Terminal located at a retail outlet which enables an authorised cardholder to withdraw cash from a cheque/savings or credit account and also provides access to a varying range of other services such as balance inquiry, transfer of funds and acceptance of deposits. Authorisation is via a PIN. Access is with the assistance of the retailer and is therefore restricted to the operating hours of the retail outlet. GiroPost terminals are not to be included in this category – please report them separately.
All ADIs report their own terminals.
For non-ADI owned terminals. The party or ADI which is responsible for key management of the terminal is responsible for recording the terminal on this form. Provision of key management involves securing the transaction message at the point of capture. This would also include switching the transaction. For example, a third party who owns the terminal and has an ADI ‘driving’ the transactions, the ADI is to report these terminals (a non-ADI third party that owns the terminal and ‘drives’ the transactions will report to the Reserve Bank of Australia).
Credit authorised transfer (CAT)/CAT with merchant data CAPture (CAT/CAP)
Terminal located at a retail outlet which enables an authorised cardholder to purchase goods and services using credit funds. Authorisation is via a signature. The CAT/CAP terminal does not require a paper voucher because CAP functionality allows for electronic capture and transfer of the transaction details. Access is with the assistance of the retailer and is therefore restricted to the operating hours of the retail outlet.
Giropost
In an endeavor to ensure consistent reporting of Giropost outlets, APRA will obtain this information directly from Australia Post for outlets that perform personal banking.
In the case where the ADI offers services to business customers, in addition to personal, via a Giropost outlet, this will need to be reported as a separate service channel. A description of the services provided in addition to locality needs to be listed within the table.
Over the counter cash transactions
Two further boxes have been added to the form in order to facilitate the presentation of information upon release to the general public. The boxes relate to ‘Provides over the counter cash transactions’. If such services are provided, then the reporting institution must indicate whether these services are available to business customers and/or personal customers.
Section B: Location of service channel
Locality disclosure
For each class of service, report (1) the town or suburb where the service is physically located, (2) the postcode and (3) state/territory location. In column (4) report the total number of instances of the provision of that service in that location. Please ensure that the spelling of localities is accurate. If unsure of the spelling of a locality, please visit where a search can be done on all localities within Australia. It should be noted that this segmentation is mandatory for all physical delivery channels other than EFTPOS/EFTPOB.
Part time indicator
Next to the total number of service points in each locality, column (5), please indicate the number of these service points that operate on a part time basis. Where a part time indicator is utilised, please describe the times of normal operation during which these service points operate within the “Description of service channel” box that is used to describe the services available at the particular service channel. ADIs may, if they prefer, provide a separate disclosure of their part time service points. In this situation, the number of service points disclosed by locality would always match the number of part time service points.
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