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PART 1 INTRODUCTION CHAPTER 1 THE FINANCIAL SERVICES INDUSTRY: DEPOSITORY INSTITUTIONS Chapter outline Banks Size, Structure and Composition of the Industry Balance Sheet and Recent Trends Assets Liabilities Off-Balance-Sheet Activities Building Societies and Credit Unions Size, Structure and Composition of the Industry Balance Sheet and Trends Regulation The Australian Prudential Regulation Authority The Australian Securities and Investments Commission The Reserve Bank of Australia Prudential Standards for Authorised Depository Institutions The Financial Services Reform Act 200