IRRBB Capital Charge Overruns
Definition
APRA requires quarterly updates to IRRBB observation periods, increasing operational burden compared to annual proposals, leading to higher compliance costs for savings institutions.
Key Findings
- Financial Impact: 20-50 hours/quarter per institution on computations; additional capital holdings of 1-5% of risk-weighted assets
- Frequency: Quarterly
- Root Cause: Manual or semi-manual quarterly IRRBB data processing and capital recalculations
Why This Matters
Savings Institutions in Australia waste 20-50 hours/quarter on IRRBB calculations. Automation of observation period updates and stress testing eliminates this operational burden.
Affected Stakeholders
Treasury Manager, Risk Officer, CFO
Deep Analysis (Premium)
Financial Impact
Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.
Current Workarounds
Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.
Get Solutions for This Problem
Full report with actionable solutions
- Solutions for this specific pain
- Solutions for all 15 industry pains
- Where to find first clients
- Pricing & launch costs
Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Excessive IRRBB Exposure Penalties
Unhedged Rate Shock Losses
Strafgebühren wegen Nichteinhaltung der Identitätsprüfung (AML/CTF-KYC)
Verzögerte Kontoaktivierung durch manuelle Identitätsverifizierung
Kapazitätsverlust durch manuelle Prüfung von Kontoeröffnungsunterlagen
Kundenabwanderung durch komplizierte Kontoeröffnungs- und KYC-Anforderungen
Request Deep Analysis
🇦🇺 Be first to access this market's intelligence