Which of the following is an example of an authorised deposit-taking institution (ADI)?

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Question: Which of the following is an example of an authorised deposit-taking institution (ADI)?
Option a: 'a. Banks' — This is accurate because in Australia, banks are classic examples of authorised deposit-taking institutions (ADIs). ADIs are entities permitted to take deposits from the public, and banks fit this definition directly. 
Option b: 'None of these' — This is incorrect because there are indeed ADIs among the options, with banks being a confirmed example. Claiming none of the above would ignore the well-established status of banks as ADIs. 
Option c: 'Superannuation fund.' — This is not correct. Superannuation funds are retirement savings vehicles, not ADIs; they do not have authorization to take deposits from the general public under the ADI framework. Their primary function is to manage superannuation assets, not to offer deposit-taking services. 
Option d: 'Finance company' — This is also incorrect. Finance companies typically lend money and may provide credit products, but they do not hold customer deposits and therefore are not ADIs under the regulatory definition. 
In summary, only banks meet the criteria to be considered an authorised deposit-taking institution among the listed options, while the other options do not satisfy the deposit-taking authorization requirement.

MCD2170 - T2 - 2025 Pre-class Quiz Week 10

Which of the following is an example of an authorised deposit-taking institution (ADI)?

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