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  Does Deferral of Bank Dividends Matter (April 10, 2020) (appendix with some numbers) (AFR online version)

Our leaders ought to know better: failing to pass on the full rate cut needn't mean banks are profiteering (The Conversation, October 10, 2019)

APRA's Cultural Capital Levy (Australian Financial Review, July 16, 2019)

Is a competitive banking fifth pillar feasible? (Australian Financial Review, 1 January 2019)

Will banks in the dock always work? (Australian Financial Review, 5 December 2018)

(with Rodney Maddock) Depositor Protection, Bank Liquidity Regulation and Taxation: Distortions affecting Superannuation (26 September 2018), forthcoming Australian Economic Review, 2019

Bad Behaviour in Australia's Banking Sector (East Asia Forum, 14 April 2018)

Regulatory Changes to bank liability structures: implications for deposit insurance design (heavily revised version of "Depositor Preference and Deposit Insurance" presented at Auckland Uni symposium, 9 April 2018), forthcoming Journal of Banking Regulation

Banker remuneration and accountability (ACFS Financial Policy Brief, 2017-08, August 8, 2017)

Are the banks too big? (overheads from Melbourne Institute-The Australian Outlook Conference, July 21, 2017)

Banking Regulation: Has Complexity Worked? (Melbourne Money and Finance Conference, July 10-11, 2017) (JASSA version)

Bank Director Remuneration: Why No Downside Risk (ACFS Financial Policy Brief, 2017-07, June 2017)

A better bank tax (reported in The Australian, 9 June 2017), version on The Conversation

Designing Capital Instruments for Mutual ADIs (submission to Hammond Review) ACFS Financial Policy Brief, 2017-05, May 2017

Rationalising the Big Bank Tax (AFR 15/5/17)

The Big Bank Tax, ACFS Financial Policy Brief 2017-03, May 2017

Bank disclosures could be better (ACFS Financial Policy Brief 2017-02) March 2017

Central Banking and Prudential Regulation: How the wheel turns (forthcoming, Oxford Handbook of Central Banking), February 2017

Basel Bail-In Capital Requirements: Challenges for Asia, December 2016

Why Tracker Loans are a win-win product, Australian Financial Review, October 19, 2016

Bail In Securities, Is the game worth the candle ACFS Finance Policy Brief, September 2016

Hunting the BIRP: Is there a Bail In Risk Premium in Australian Bank Hybrids? (with Michael Saba) Draft 20 June 2016

Three factors pushing Australian banks into a retreat home (The Conversation, February 2, 2016)

Basel IV and Australian Banks (with Mark Lawrence) JASSA 2015 Dec

Why Levying GST on the Banks has been in the 'too hard' basket (The Conversation, December 2, 2015)

Macroprudential Regulation and Banking Regulation (November 2015, forthcoming Australian Economic Review)

Asian Banking Integration, Depositor Preference and Deposit Insurance (November 2015)

Basel 3++: Buttons, Belts and Braces (ACFS FRDP 2015-01) January 21 2015

 "The Right Price for Low Risk Banks" Australian Financial Review 2 August 2013

Review of "The Bankers' New Clothes" by Anit Admati and Martin Hellwig (18 July 2013)

Basel 3: Implications for the Australian Financial System (Talk to CEDA function 8 October 2012)

Britain's Banking Reforms - Is this the future shape of banking? (ACFS Financial Regulation Discussion Paper 2012-04, 12 September 2012)

Should there be a bank deposit guarantee fee? (The Conversation, 5 September 2012)

Testimony to Senate Economics Committee Inquiry into the post-GFC banking sector 8 August 2012 (link to Hansard)

Introductory Remarks to Senate Economics Committee Inquiry into the post-GFC banking sector  8 August 2012

The Australian Banking Sector Post-GFC  ACFS Submission to: Senate Economics Committee "Inquiry into the post-GFC banking sector" (Submission 49), June 4, 2012

Banking Profitability, Bank Capital and Competitition (Australian Centre for Financial Studies, Financial Regulation Discussion Paper 2012-1, 20 February 2012)

"Bank Governance: What do we know, what should we do", working paper 9 Sept 2010

"Bank Capital Adequacy: Where To Now", working paper 24 May 2010

"Managed Investment Scheme Regulation: Lessons from the Great Southern Failure" (with Christine Brown and Colm Trusler), JASSA, Issue 2 2010

"Infrastructure Trust Financial Management", JASSA, March 2009, 41-45

 "Portfolio Maturity Choice of Australian Cash Management Trusts" International Review of Financial Analysis, 17, 5, December 2008, 1173-1185

"Banking Concentration, Financial Stability and Public Policy" in C Kent and J Lawson (eds) The Structure and Resilience of the Financial System, Reserve Bank of Australia, Sydney, November 2007 (ISBN 0 9775353 5 5), pp 255-284.

(with John Fowler) "The Future of Australian Banking: Introduction", 12th Melbourne Money and Finance Conference, Economic Papers, Special Issue, December 2006

" Basel 2" Journal of Banking and Financial Services, (Australasian Institute of Banking and Finance) July 2005.

"Designing Banking Sector Safety Nets: Australian Experience" in Capital Markets, Globalization, and Economic Development, Innovations in Financial Markets and Institutions, Vol. 15, ed Benton Gup, Kluwer, 2005, XVI, 224 p., Hardcover ISBN: 0-387-24564-2

 "The New Basel Accord and Advanced IRB Approaches: Is there a case for capital incentives?" (with Christine Brown) in The New Basel Accord ed Benton Gup, Thomson, New York, 2004, 125-149 ISBN 0 324 20298 9.

 "Prudential Regulation and Competition in Banking" (with Christine Brown) in Regulation and Market Access in the Service Sector, A. Sidorenko and C. Findlay (eds), Asia Pacific Press, ANU Canberra, 2003, ISBN 0 7315 3768 8

 "Governance and Australian Financial Institutions" Pacific Economic Papers, No 294, August, 1999, Australia Japan Research Centre, ANU.

 "Multipliers and the Portfolio Approach: A Geometric Exposition" (with M K Lewis) (reprinted from M K Lewis and K T Davis Domestic and International Banking), Chapter 15 in M K Lewis (ed) The Globalization of Financial Services, Volume 7 in the Series The Globalization of the World Economy, Edward Elgar Publishing, 1999

"Understanding Pawnbroking" (with Nick Bienkowski) 1997

"Pawnbroking in Victoria" (with Nick Bienkowski) 1997

 "Organisational Forms for Financial Services Firms" Developments in Financial Structure and Regulation: Proceedings of the 7th Melbourne Money and Finance Conference, Supplement to the Journal of Applied Finance and Investment, July 1997, 63-66

"Trends in Banking" ANZScope 1995

Deregulation, Banks and Building Societies, 1992

Interest Rate Swaps: Rationale and Growth 1991 (presentation to AIBF Conference)

 "Assessing Financial Institution Risk", in M Johnson, P Kriesler, and T Owen, (eds) Contemporary Issues in Australian Economics, Macmillan, 1991, 13-23.

 "Bank Pricing and Risk Adjusted Capital Requirements" Australian Journal of Management, 15, 2, December 1990, 243-260.

 "Risk Management - Introduction" (with Ian Harper) 1991 (Introductory Chapter to Risk Management in Financial Institutions)

"Should Banks Hedge Credit Risk Using Equity Derivatives?" (working paper, April 1991)