Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks

Xinyao Chen

doi:10.47297/wspdecWSP2515-797319.20261001

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Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks

10卷第1期

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Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks
Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks
Monash University, Caulfield East VIC, 3000, Australian
2026年10卷第1期页码：95-99
纸质出版：2026-01-30
DOI：10.47297/wspdecWSP2515-797319.20261001
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Xinyao Chen. (2026). Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks. 发展经济学, 10(1), 95-99.

Chen Xinyao.Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks[J].Development Economics of China,2026,10(01):95-99.
Xinyao Chen. (2026). Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks. 发展经济学, 10(1), 95-99. DOI： 10.47297/wspdecWSP2515-797319.20261001.

Chen Xinyao.Stability or Flexibility: Liability Management and Default Risk in Australian Major Banks[J].Development Economics of China,2026,10(01):95-99. DOI： 10.47297/wspdecWSP2515-797319.20261001.

摘要

Abstract

This paper studies how major Australian banks manage their funding and how this affects default risk. Using data from 2018 to 2024

it compares customer deposits and interbank funding among the four largest banks. The paper also looks at loan loss provisions to measure credit risk

especially during Special period. The results show that banks mainly rely on customer deposits and adjust their funding and risk management during economic uncertainty.

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references

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Haddawee A. H. , & Flayyih H . H . ( 2020 ). The relationship between bank deposits and profitability for commercial banks. International Journal of Innovation , Creativity and Change, 13 ( 7 ), 226 - 234 .

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