Terms of reference
Conduct of the inquiry
Structure of the report

Impact on bank funding
Market concentration and competition
International regulatory changes
Libor-fixing scandal

Overview of capital regulation and the Basel Accords
The GFC and development of Basel III
Details of Basel III
Views on Basel III and its overall impact
Implementation of Basel III in Australia
Committee view

Overview
Overall funding costs
Deposits
Wholesale debt
Future direction of funding costs

Reaction of financial institutions
Customers' perspectives
Predatory lending and incentives for bank employees
Information on conditions in the lending market

Bankwest's expansion prior to the global financial crisis
The global financial crisis and developments in the UK
The acquisition of Bankwest by the CBA
Actions by the CBA following the acquisition
Experiences of Bankwest business customers following the acquisition
Committee comment

The terms of the CBA's purchase of Bankwest
The post-GFC property market and business environment
Revaluations, receivers and 'market value'
Options available for borrowers to seek redress
Difficulties in seeking redress

How the committee approached this part of the inquiry
A proportionate and balanced response
Making dispute resolution schemes more relevant to small business
The role of receivers
Small finance issues more generally

A banking sector in transition
Over fifteen years since the previous inquiry
Competition
Regulatory structures and distortions currently in place
Funding mix and stability
Broad support
Committee view