Australian Prudential Regulation Authority publishes June 2025 quarterly ADI performance and property exposure statistics

The Australian Prudential Regulation Authority (APRA) released its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures publications for the quarter ending 30 June 2025, reporting updated sector metrics on financial performance, capital and liquidity, alongside residential and commercial property exposure and risk indicators for banks, building societies and credit unions. Year-on-year, ADIs’ net profit after tax rose to AUD 40.1bn (up 2.9%) and total assets increased to AUD 6,673.8bn (up 7.2%), while the total capital ratio remained stable at 20.4%. The liquidity coverage ratio fell to 130.1% (down 2.9 points), the minimum liquidity holdings ratio to 16.3% (down 0.6 points) and the net stable funding ratio to 115.9% (down 0.3 points). Residential credit outstanding increased to AUD 2,391.8bn (up 5.7%); loans 30–89 days past due declined to 0.55% (down 0.11 points) while non-performing loans edged up to 1.07% (up 0.04 points). New housing loans funded during the quarter totalled AUD 187.6bn (up 16.2%), with the share of new lending at loan-to-valuation ratios of at least 80% falling to 30.4% (down 1.47 points) and the share with debt-to-income ratios of at least 6x rising to 5.5% (up 0.48 points). Commercial property exposure limits rose to AUD 498.9bn (up 9.0%) and commercial property exposures to AUD 464.1bn (up 9.4%).