Senate Select Committee on Productivity in Australia (part 1 of 2) — hearing of 20 July 2026: transcript & video · Polyfact

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Senate Select Committee on Productivity in Australia (part 1 of 2)

19 July 2026

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Contents updated on 21 Oct 2026

The chair opens the productivity inquiry hearing, sets procedural parameters, then ANZ outlines macroeconomic conditions, housing undersupply and construction productivity issues, followed by detailed questioning on the National Construction Code, labour and migration, mortgage competition, macro‑prudential policy, construction finance and SME investment.

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Committee opening and ANZ evidence on productivity and housing

12:19

Committee opening — scope and witness protections

12:19

ANZ — economic outlook, rates and housing supply

13:29

Q&A with ANZ — construction costs, regulation and skilled labour

18:58

Q&A with ANZ — mortgage competition, macro‑prudential policy and construction finance

23:23

ANZ construction finance and SME capital investment queries

28:00

CBA — housing supply, construction finance and AI‑driven fraud control

33:08

Commonwealth Bank — housing, AI and financial crime opening

33:08

CBA — construction lending, presales and APRA settings

35:13

CBA — housing supply, mortgage innovation and National Construction Code

39:53

CBA — mortgage fraud, AI in fraud detection and workforce impacts

46:07

CBA — AI vendor concentration and US tech partnerships

59:00

NAB and fintechs — housing supply, CDR and ATO data sharing

01:02:40

NAB — opening on housing supply, CDR and modular construction

01:02:40

NAB — construction finance, presales and build‑to‑rent

01:06:50

Fintech Australia — CDR, ATO data and mortgage innovation

01:19:52

Fintech Australia — AI risks, CDR uptake and consumer trust

01:24:09

Analyst, Westpac and ABA — mortgage competition, APRA capital and CDR

01:34:33

Baron Joey — competition in housing finance and demand skew

01:34:33

Baron Joey — supply focus, four‑pillars and bank margins

01:39:04

Westpac — CDR, ATO income data and construction finance

01:59:01

Westpac — APRA capital, presales and build‑to‑rent

02:10:19

Australian Banking Association — regulatory burden, CDR and APRA growth mandate

02:26:19

Consumer and insurance perspectives — mortgage hardship, LMI and climate risk

02:53:54

Mortgage Stress Victoria — broken mortgage market and hardship standards

02:53:54

Insurance Council — first‑home buyer schemes, LMI and climate risk

03:04:14

Construction workforce, taxation, planning and modern methods of construction

03:32:26

Redundancy funds (Incolink & ACIRT) — portable entitlements and workforce security

03:32:26

Master Builders Australia — productivity collapse, taxes and SMSF ban

04:46:28

Urban developers and taskforce — planning, taxes and MMC

05:20:06

Housing Industry Association — integrated approvals, AI and system design

05:47:27

Senate Select Committee on Productivity in Australia (part 1 of 2)

19 July 2026

Senate Select Committee on Productivity in Australia Mon, 20 Jul 2026 Australian Parliament

12:19 - 13:27

Speaker 17

This hearing of the senate select committee on productivity in Australia. I begin by acknowledging the traditional custodians. Committee will be conducting today's hearing in person via video conference. I'm senator Bragg chair. I'm joined by senator Dominant and senator Ananda Raja.

These are public proceedings which are being streamed live via the parliamentary website, and there'll be a hand side transcript. All witnesses should be aware that in giving evidence to this committee, they are protected by parliamentary privilege. It's unlawful for anyone to threaten or disadvantage witness on account of evidence given to a committee, and such action may be treated by the senate as contempt. It is also a contempt to give false or misleading evidence. Witnesses have a right to be heard in camera should they request.

I remind senators of their obligations under the behavior code for parliamentarians to treat witnesses with dignity, courtesy, fairness, and respect. I remind committee members and witnesses who are not currently speaking to please mute your microphones and now welcome representatives from the ANZ Banking Group live via video conference. I understand the information on privilege and the protection of witnesses giving evidence to senate committees has been provided to you. The hands of record, please state your name and capacity in which you appear.

13:28 - 13:32

Speaker 24

Thank you, chair. Richard Yatsinga, group chief economist of ANZ.

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