The Australian Prudential Regulation Authority published its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures releases for the quarter ended 31 March 2025, setting out updated system-wide metrics on ADIs’ earnings, balance sheets, capital and liquidity, alongside residential and commercial property exposure trends. Across ADIs (excluding those that are not banks, building societies or credit unions), net profit after tax for the year-end was 40.0bn, up 1.3% year-on-year, while total assets rose 5.5% to 6,545.9bn. The total capital base increased to 456.7bn and risk-weighted assets to 2,236.3bn, with the total capital ratio broadly stable at 20.4%; liquidity metrics edged down, with the liquidity coverage ratio at 136.0%, minimum liquidity holdings ratio at 16.7% and net stable funding ratio at 117.4%. On property exposures, residential credit outstanding grew 5.4% to 2,349.7bn, owner-occupied loans accounted for 67.6% and investment loans 30.4%, and non-performing loans rose to 1.08%; new loans funded increased 18.0% to 154.7bn, including 5.3% with a debt-to-income ratio of 6x. Commercial property exposure limits were 483.7bn and commercial property exposures totalled 448.4bn.
Australian Prudential Regulation Authority 2025-06-13
Australian Prudential Regulation Authority publishes March 2025 quarter ADI statistics with net profit after tax at 40.0bn and assets at 6,545.9bn
The Australian Prudential Regulation Authority released its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Property Exposures reports for Q1 2025, highlighting a 1.3% increase in net profit after tax to 40.0 billion AUD and a 5.5% rise in total assets to 6,545.9 billion AUD. Key metrics include a stable total capital ratio of 20.4%, a liquidity coverage ratio of 136.0%, and 5.4% growth in residential credit outstanding to 2,349.7 billion AUD.