Australian Prudential Regulation Authority publishes September 2025 quarter ADI performance and property exposures statistics

The Australian Prudential Regulation Authority has released its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures publications for the quarter ending 30 September 2025, reporting year-on-year growth in system profits, assets and capital, alongside expanding residential and commercial property exposures. Key system metrics show net profit after tax at 41.1bn (up 5.1% year-on-year), total assets at 6,681.7bn (up 5.7%) and total capital base at 461.8bn (up 5.6%), with total risk-weighted assets rising to 2,268.5bn (up 4.9%). The total capital ratio increased to 20.4%, the liquidity coverage ratio to 133.3% and the net stable funding ratio to 115.9%, while the minimum liquidity holdings ratio fell to 16.2%. Residential credit outstanding rose to 2,426.5bn (up 6.0%), with owner-occupied loans at 67.3% of the book and investment loans at 30.7%; non-performing loans increased to 1.04% (from 0.96%) while loans 30–89 days past due fell to 0.47% (from 0.58%). New housing loans funded totalled 196.3bn (up 18.9%), with the share of new investment loans rising to 36.5% and the share with a debt-to-income ratio of 6x increasing to 6.1%. Commercial property exposure limits rose to 510.3bn (up 9.2%) and commercial property exposures to 471.8bn (up 8.6%).