As at June 2017, data from APRA shows that of the 5,814 branches of ADIs, 2,484 (around 43%) were in regional or remote areas. Of the 4,674 other face-to-face services provided by ADIs, 2,543 (around 54%) are in regional and remote areas. Of the 13,814 ATMs in Australia, 3,795 (around 27%) were in regional or remote areas. As would be expected, access to a bank branch, other facetoface service or ATM decreases as remoteness increases. Compared to data from 2007, the share of branches and other face-to-face ADI points of presence in areas (broadly equivalent to ‘highly accessible’ has decreased and the share of points of presence in ‘major cities’) areas (broadly equivalent to and ‘accessible’ ‘inner regional’) ‘moderately areas (broadly equivalent to has increased. accessible’ ‘outer regional’) However, the share of branches and other face-to-face points of presence in remote or very remote areas have remained broadly unchanged since 2007. Aggregate ATM data was unavailable in ADI Points of APRA’s 2007 Presence publication., Chart 2: Share of Points of Presence, as at 30 June 2017 ADIs’ Branches Other face-to-face ATMs Source: APRA According to a submission by four regional banks to the 2014 Financial all System Inquiry (‘Regional Banks’ submission’), nearly owned banks in Australia either commenced as regional banks, building societies and credit unions. Regional banks compete in all markets but have the greatest presence in retail banking. Regional banks are less represented in institutional and large corporate financing. The Regional notes that most regional banks have Banks’ submission agribusiness offerings and that regional banks make ‘relatively large’ investments in banking infrastructure (such as ATMs, branches and other facilities) than major banks and other banks, as measured by facilities per $1 billion in assets.
As at June 2017, data from APRA shows that of the 5,814 branches of ADIs, 2,484 (around 43%) were in regional or remote areas. Of the 4,674 other face-to-face services provided by ADIs, 2,543 (around 54%) are in regional and remote areas. Of the 13,814 ATMs in Australia, 3,795 (around 27%) were in regional or remote areas. As would be expected, access to a bank branch, other facetoface service or ATM decreases as remoteness increases. Compared to data from 2007, the share of branches and other face-to-face ADI points of presence in ‘highly accessible’ areas (broadly equivalent to ‘major cities’) has decreased and the share of points of presence in ‘accessible’ areas (broadly equivalent to ‘inner regional’) and ‘moderately accessible’ areas (broadly equivalent to ‘outer regional’) has increased. However, the share of branches and other face-to-face points of presence in remote or very remote areas have remained broadly unchanged since 2007. Aggregate ATM data was unavailable in APRA’s 2007 ADI Points of Presence publication., Chart 2: Share of ADIs’ Points of Presence, as at 30 June 2017 Branches Other face-to-face ATMs Source: APRA According to a submission by four regional banks to the 2014 Financial System Inquiry (‘Regional Banks’ submission’), nearly all banks in Australia either commenced as regional banks, building societies and credit unions. Regional banks compete in all markets but have the greatest presence in retail banking. Regional banks are less represented in institutional and large corporate financing. The Regional Banks’ submission notes that most regional banks have agribusiness offerings and that regional banks make ‘relatively large’ investments in banking infrastructure (such as ATMs, branches and other facilities) than major banks and other banks, as measured by facilities per $1 billion in assets. owned
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