The commission has referred 24 cases of potentially criminal activity to the responsible regulators for further investigation, but isn't naming names.
After 68 days of hearings over the past 12 months, the royal commission has handed down its final report, laying bare a culture that allowed misconduct to thrive at the expense of consumers' best interests.
Commissioner Kenneth Hayne's damning report lays the blame for wrongdoing fairly and squarely with the banks and those who run them.
He's made 24 referrals to regulators, the Australian Securities and Investments Commission and the Australian Prudential Regulation Authority, for further investigation.
The cases involve potential wrongdoing at all major banks except for Westpac, but doesn't name those who may be responsible for the alleged misconduct.
Declaring the time for apologies is over, Commissioner Hayne has made 76 recommendations designed to better protect consumers.
The government released the report on Monday after considering the findings over the weekend.
Please listen to the full report in Pashto language.
