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Super-Funded Banking
Banks often fund long-term loans with money that can vanish fast. We unpack a superannuation-funded banking model that argues Australia’s biggest pool of “sticky” capital, retirement savings, could create a more resilient bank while delivering better outcomes for members.
We walk through the contrast in funding foundations: retail banks leaning on wholesale debt markets, short-term money markets, and deposits that can reprice or run, versus superannuation funds managing large pools of long-dated, predictable inflows driven by mandatory contributions. From there, we explore what changes when…
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