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Glossary Asia-Pacific Economic Cooperation APRA Australian Prudential Regulation Authority ASIC Australian Securities and Investments Commission ATMs Automatic teller machines BIS Bank for International Settlements CAC Act Commonwealth Authorities and Companies Act CGS Commonwealth Government securities CHESS Clearing House Electronic Subregister System CSIRO Commonwealth Scientific and Industrial Research Organisation DoFA Department of Finance and Administration EEO Equal employment opportunity EFTPOS Electronic funds transfer at point of sale EMEAP Executive Meeting of East Asia and Pacific central banks ES Exchange Settlement (accounts; funds) GDES Government Direct Entry System GDP Gross domestic product IBRA Indonesian Bank Restructuring Agency IMF International Monetary Fund NCDs Non-callable deposits NPA Note Printing Australia OECD Organisation for Economic Co-operation and Development OPA Official Public Account RBA Reserve Bank of Australia RDPs Research Discussion Papers RITS Reserve Bank Information and Transfer System RTGS Real-time gross settlement SDR Special Drawing Right Ritchie Thorburn Design, Sydney. APEC 98