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The Australian banking sector faced a difficult year of self-scrutiny in 2019, marked by an aggregate total of $4.8 billion in customer remuneration payments in the wake of several misconduct scandals.1 Although governance, risk, and compliance spending accounted for 40 percent of total investment spending among the country’s Big Four banks,2 those same firms were forced to absorb an additional AUD $1.75 billion in capital penalties assigned by ... cont

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