Australian EnterpriseAI Index
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APRA Prudential Standard CPS 230

APRA's operational risk management standard requires regulated entities to identify, assess, and manage risks from AI as material service providers.

Effective 1 July 2025Applies to: Banking, InsuranceReadiness threshold: 58%

Requirements

Minimum score by requirementOverall threshold: 58/100
Third-Party AI Oversight
60
AI Incident Response Plan
55
AI Risk Register
50
adoptiongovernanceinvestmentincidents

AI Risk Register

Governance · min. 50/100

Maintain a register of all AI systems used in material service delivery, including risk ratings and review cadences.

What to document: Register of AI models: owner, purpose, data inputs, risk rating, last review date. Required under CPS 230 Attachment A.

AI Incident Response Plan

Incidents · min. 55/100

AI-specific incident classification and escalation procedures integrated into the broader IRP.

What to document: AI incident runbook with severity levels (L1–L3), escalation matrix, and APRA notification triggers (material incidents within 72 hours).

Third-Party AI Oversight

Governance · min. 60/100

Due diligence and ongoing monitoring of material AI service providers (e.g. hyperscalers, AI vendors).

What to document: Vendor assessment templates with AI-specific criteria: model transparency, data residency, audit rights, exit strategy.

Check readiness against CPS 230

Run the free AI State Declaration to see where the organisation stands against each requirement above.

Run the benchmark

Other frameworks

This summary is a self-assessment aid, not legal or compliance advice. Suggest a correction →