This report provides an overview of the Royal Commission of Australia's findings on the banking, insurance, and financial services industry. It identifies key problems such as fraud, misconduct, and accounting scandals within major financial institutions like Wells Fargo, National Australia Bank, and Commonwealth Bank of Australia. The report details the commission's investigations, including the role of APRA and the actions taken against responsible parties, such as fines, terminations, and restructuring of boards. It emphasizes the importance of the commission in maintaining the integrity of the financial sector and suggests that government intervention and support are essential for the long-term sustainability of the banking industry and the overall economy. The report concludes by highlighting the significance of a well-designed investigation strategy to address ethical issues and maintain the stability of the financial sector.