SYDNEY, Sept. 11 -- Australian Prudential Regulation Authority issued the following media release:
The Australian Prudential Regulation Authority (APRA) has released the Quarterly Authorised Deposit-taking Institution (ADI) Performance and the Quarterly ADI Property Exposures publications for the quarter ending 30 June 2025.
Key statistics for ADIs1 for the quarter were:
June 2024
June 2025
Year-on-year change
Net profit after tax (year-end) ($bn)
39.0
40.1
2.9%
Total assets ($bn)
6,226.2
6,673.8
7.2%
Total capital base ($bn)
448.7
462.9
3.2%
Total risk-weighted assets ($bn)
2,199.8
2,269.4
3.2%
Total capital ratio
20.4%
20.4%
stable
Liquidity coverage ratio
133.0%
130.1%
-2.9 points
Minimum liquidity holdings ratio
16.9%
16.3%
-0.6 points
Net stable funding ratio
116.2%
115.9%
-0.3 points
Key residential mortgage lending statistics for ADIs for the quarter were:2
ADIs' residential property exposures
June 2024
June 2025
Year-on-year change
Total credit outstanding ($bn)
2,262.1
2,391.8
5.7%
Owner-occupied loans - share
67.8%
67.5%
-0.25 points
Investment loans - share
30.3%
30.5%
0.22 points
Loans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share
17.6%
16.9%
-0.73 points
Loans 30-89 days past due - share
0.66%
0.55%
-0.11 points
Non-performing loans
1.04%
1.07%
0.04 points
ADIs' new loans funded during the quarter
June 2024
June 2025
Year-on-year change
New loans funded ($bn)
161.5
187.6
16.2%
New owner-occupied loans funded - share
63.3%
63.6%
0.26 points
New investment loans funded - share
34.5%
34.1%
-0.42 points
New loans with LVR ≥ 80 per cent funded - share
31.9%
30.4%
-1.47 points
New loans with debt-to-income (DTI) ratio ≥ 6x funded - share
5.0%
5.5%
0.48 points
Key commercial property statistics for the quarter were:
June 2024
June 2025
Year-on-year change
Commercial property exposure limits ($bn)
457.8
498.9
9.0%
Commercial property exposures ($bn)
424.1
464.1
9.4%
The Quarterly ADI Performance publication contains information on ADIs' financial performance, financial position, capital adequacy, asset quality, liquidity and key financial performance ratios.
The Quarterly ADI Property Exposures publication contains data on commercial and residential property exposures, including detail on risk indicators, serviceability characteristics and non-performing loans.
Copies of the publications are available at:Quarterly authorised deposit-taking institution statistics.
Footnotes
1 Excludes ADIs that are not banks, building societies or credit unions.
2 See 'Explanatory Notes' of the Quarterly authorised deposit-taking institution property exposures statistics (excel file) for details of share calculations.
Disclaimer: Curated by HT Syndication.
