Self-disclosures around the Australian banking industry's post-CBA "self-assessment" challenge range in quality between dismal and dire. Or, in APRA's own words: "Poor" and "moderate" are the best that can be said for the "quality" of these assessments" by nine Australian banks in a humiliating information paper from APRA yesterday on "Self-assessments of governance, accountability and culture".APRA explained that it "set three principles that it expected the self-assessments to reflect: Depth, Challenge and Insights, with the latter defined as "to inform the board of areas requiring attention and improvement, and how better practice can be achieved."?APRA summed up the quality of the latter as: "Limited insight … while most institutions met APRA's expectations for depth and challenge, only a few self-assessments identified new insights".The report vented APRA disquiet over the "extent of issues raised …  accompanied with lengthy lists of planned actions".These, APRA said, "suggest that many institutions have yet to develop a clear understanding of what factors have caused weaknesses to manifest and persist".Embarrassment at being exposed may explain why only one big bank - NAB - published its own self-assessment in full, back in November.Since then, few banks have added anything to the public record.Westpac, in its March half-year results said that its self-assessment report "was finalised in November 2018 and provided to APRA at that time."Work has commenced to implement the 45 actions recommended in the report," the bank said, omitting all details as to the substance of these recommendations.Bank of Queensland in its half-year results said "highlights its self-assessment [included] improved management and analysis of customer complaints; greater embedding of the three lines of defence; and improved process and systems for reporting and analysis of risks and incidents."NAB's excruciating - but complete - disclosures six months ago included these gems:•    "The development and embedding of a disciplined bank-wide approach to conduct risk  management has not happened with sufficient pace or urgency"; and also•     "improvements to NAB's risk appetite framework, providing clearer boundaries on risk limits."