Structure
Banking units under CBA
RBA is not the currency issuer. It receives monetary authority from CBA and operates domestic, development, commercial and authorised international banking units under defined mandates.
Its accounts, liabilities, capital, technology and customer obligations remain separate from CBA’s reserve and currency-issuance functions.
Services
Banking for people and institutions
RBA is designed to provide accounts, payments, project finance, trade support and public-mission disbursement where those services are lawfully authorised.
Customer protection, accurate records, cybersecurity, complaints handling and financial-crime controls are required before any public service is offered.
International network
Foreign banking units
AAHA’s institutional plan includes RBA units in multiple countries. A unit may be described as active only where its exact legal name, registration or licence, regulator and country-specific authority can be verified in AAHA National Records.
A company, representative office or service unit must not be presented as a licensed bank unless the relevant regulator has granted that status.
Governance
Royal control with monetary supervision
RBA is controlled by the Crown and supervised by CBA. Royal direction establishes purpose, while banking decisions remain subject to documented authority, risk limits, accounting and applicable law.
The bank supports prosperity and the King’s worldwide missions without transferring ownership of Crown reserves to customers.
