Australian Prudential Regulation Authority releases quarterly ADI performance and property exposure statistics and adds high debt-to-income lending split

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 31 December 2025, updating system-wide data on ADIs’ financial condition and property lending. The tables now include the share of new lending with a debt-to-income (DTI) ratio of six or greater, split between investor and owner-occupier lending, following APRA’s activation of DTI limits from February 2026. Net profit after tax rose 6.6% year on year to 42.3bn, total assets increased 3.2% to 6,828.8bn, and the total capital ratio edged up to 20.3%. Liquidity coverage fell to 130.2% and the minimum liquidity holdings ratio to 16.4%, while the net stable funding ratio was broadly steady at 116.1%. Residential mortgage credit outstanding reached 2,475.0bn; owner-occupied loans represented 67.2% of outstanding balances and investment loans 30.8%, while new lending was 61.8% owner-occupied and 35.9% investment. High DTI lending accounted for 6.8% of new loans overall, including 4.0% of new owner-occupier lending and 11.3% of new investor lending; 30–89 days past due loans were 0.47% and non-performing loans 0.99%. Commercial property exposures rose 8.8% to 480.2bn against exposure limits of 518.9bn. From the next quarterly edition, the full time series for the high DTI investor and owner-occupier splits will be added to the statistical Excel file and highlights release.