OBS_VALUE: In granting a licence under the Banking Act, APRA can impose conditions in relation to any prudential matter. Foreign ADIs are not allowed to accept initial deposits from individuals of less than $250,000. However, they are also subject to lighter regulation; in particular branches are not required to maintain endowed capital in Australia. See the APRA information paper on ADI licensing from the 4 May 2018: https://www.apra.gov.au/sites/default/files/information-paper-adi-licensing-restricted-adi-framework-20180504.pdf                                                                                                                                                                                                                                                                                                                                See APRA, Licensing guidelines for authorised deposit-taking institutions: https://www.apra.gov.au/licensing-guidelines-for-authorised-deposit-taking-institutions