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本帖最后由 马到成功 于 2022-11-7 16:51 编辑
Different banking businesses under a banking licence
Some banks, building societies or credit unions may operate multiple banking businesses with different trading names under the same banking license. However, under the FCS the deposit protection of $250,000 applies per account holder to deposits under each banking license, which includes deposits with any other banking businesses with different trading names that operate under a banking license. Therefore, if you have deposit accounts with a bank, building society or credit union and with any other banking businesses they operate with different trading names, you'll need to add all these deposits together to calculate the amount that is covered under the FCS for that particular institution (or banking license).
CASE STUDY
Bank A is licenced by APRA under the name 'Bank A'. Bank A also operates a banking business trading under the name 'Bank B' under its banking license. John has two savings accounts of $200,000, one with Bank A and another account with Bank B. If Bank A failed and the Australian Government activated the Financial Claims Scheme, John's total amount of $400,000 would only be partly covered (up to the $250,000 FCS limit). This is because the FCS applies to each banking license, which in this case covers both Bank A and Bank B under the same license. Therefore, John will have a maximum of $250,000 protected under the FCS. However, John may be able to recover his remaining $150,000, or part of it, in the liquidation of Bank A, depending on what assets are available.
按照上面的解释，就是说如果你在不同的银行各有25万存款的，政府会都赔，但如果是ST GEORGE和WESTPAC各有25万的，政府只赔25万，因为ST GEORGE和WESTPAC实际是同一家。
还有不是所有银行政府都包赔，只有下面名单里的银行才资格：
This list below contains ADIs and their trading names and was last updated on 1 September 2022.
Alex Bank Pty Limited*
AMP Bank Ltd
Arab Bank Australia Limited
Australia and New Zealand Banking Group Limited
Australian Central Credit Union Ltd (trading as People's Choice Credit Union)
Australian Military Bank Ltd
-RSL Money
Australian Mutual Bank Limited (trading as Endeavour Mutual Bank and Sydney Mutual Bank)
Australian Settlements Limited (provides industry services)
Australian Unity Bank Limited
Auswide Bank Ltd
-Queensland Professional Credit Union Ltd
B&E Ltd (trading as Bank of us)
Bank Australia Limited
Bank of China (Australia) Limited
Bank of Queensland Limited
-BOQ Specialist (BOQS)
-ME Bank
Bank of Sydney Ltd
Bendigo and Adelaide Bank Limited
-Adelaide Bank
-Alliance Bank
-AWA Alliance Bank
-BDCU Alliance Bank
-Bendigo Bank
-Circle Alliance Bank
-Community Sector Banking
-Delphi Bank
-Nova Alliance Bank
-Rural Bank
-Service One Alliance Bank
Beyond Bank Australia
-Nexus Mutual
BNK Banking Corporation Limited (previously Goldfields Money Limited)
-Goldfields Money
Cairns Penny Savings & Loans Limited (provides general banking services)
Central Murray Credit Union Limited
Central West Credit Union Limited
Challenger Bank Limited (previously MyLifeMyFinance Limited)
Coastline Credit Union Limited
Commonwealth Bank of Australia
-Bankwest
Community First Credit Union Limited
Credit Union Australia Ltd (trading as Great Southern Bank)
Credit Union SA Ltd
Cuscal Limited (provides industry services)
Defence Bank Limited
Dnister Ukrainian Credit Co-operative Limited
Family First Credit Union Limited
Fire Service Credit Union Limited
First Choice Credit Union Ltd
First Option Bank Ltd
Ford Co-operative Credit Society Limited (trading as Geelong Bank)
G&C Mutual Bank Limited
Gateway Bank Ltd
Goulburn Murray Credit Union Co-operative Limited
Greater Bank Limited
Heritage Bank Limited
Horizon Credit Union Ltd (trading as Horizon Bank)
HSBC Bank Australia Limited
Hume Bank Limited
IMB Ltd (trading as IMB Bank)
-The Shire
Illawarra Credit Union Limited
in1bank Ltd*
Indue Ltd
ING Bank (Australia) Limited (trading as ING)
Judo Bank Pty Ltd
Laboratories Credit Union Limited
Lithuanian Co-operative Credit Society "Talka" Limited
Lutheran Laypeople's League of Australia
MacArthur Credit Union Ltd (trading as The MAC)
Macquarie Bank Limited
Macquarie Credit Union Limited
Maitland Mutual Limited (trading as The Mutual Bank)
Members Banking Group Limited (trading as RACQ Bank)
MyState Bank Limited
National Australia Bank Limited
-Ubank
Newcastle Permanent Building Society Limited
Northern Inland Credit Union Limited
Orange Credit Union Limited
Police Bank Ltd (trading as Border Bank)
Police Credit Union Limited
Police Financial Services Limited (trading as BankVic)
Police & Nurses Limited (trading as P&N Bank)
-bcu
Pulse Credit Union Limited
QPCU Limited (trading as QBANK)
Qudos Mutual Ltd (trading as Qudos Bank)
Queensland Country Bank Limited
Rabobank Australia Limited
Railways Credit Union Limited (trading as MOVE)
Regional Australia Bank Ltd
South West Slopes Credit Union Ltd
Southern Cross Credit Union Ltd
South-West Credit Union Co-Operative Limited
Summerland Financial Services Limited (trading as Summerland Credit Union)
Suncorp-Metway Limited
Teachers Mutual Bank Limited (trading as Firefighters Mutual Bank, Health Professionals Bank, Hiver Bank, Teachers Mutual Bank and UniBank)
The Broken Hill Community Credit Union Ltd
The Capricornian Ltd
Traditional Credit Union Limited
Transport Mutual Credit Union Limited
Tyro Payments Limited
Unity Bank Limited (trading as Reliance Bank, Bankstown City Unity Bank and Unity Bank)
Victoria Teachers Limited (trading as Bank First)
Warwick Credit Union Ltd
-Dalby Credit Union
-Gympie Credit Union
WAW Credit Union Co-Operative Limited
-BankWAW
Westpac Banking Corporation
-Bank of Melbourne
-BankSA
-St George Bank
Woolworths Team Bank Limited |
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