The Australian Prudential Regulation Authority (APRA) has published its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures releases for the quarter ending 30 September 2025, setting out updated indicators on ADIs’ financial performance, capital and liquidity, and trends in residential and commercial property lending. Across ADIs covered, net profit after tax rose to $41.1bn (up 5.1% year on year) and total assets increased to $6,681.7bn (up 5.7%). The total capital base was $461.8bn (up 5.6%) against $2,268.5bn of risk-weighted assets (up 4.9%), with a total capital ratio of 20.4%. Liquidity metrics included a liquidity coverage ratio of 133.3%, a minimum liquidity holdings ratio of 16.2%, and a net stable funding ratio of 115.9%. Residential credit outstanding increased to $2,426.5bn (up 6.0%), with owner-occupied loans at 67.3% of the portfolio and investment loans at 30.7%; loans 30–89 days past due were 0.47% and non-performing loans were 1.04%. New residential loans funded during the quarter were $196.3bn (up 18.9%), with a 6.1% share of new lending at a debt-to-income ratio of 6x. For commercial property, exposure limits rose to $510.3bn (up 9.2%) and exposures increased to $471.8bn (up 8.6%). APRA noted that the performance release covers ADIs’ financial performance and position, capital adequacy, asset quality, liquidity and key ratios, while the property exposures release provides residential and commercial property exposure data including risk indicators, serviceability characteristics and non-performing loans.

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