The Australian Prudential Regulation Authority published its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures for the quarter ending 31 March 2025, setting out sector-level results for banks, building societies and credit unions. Net profit after tax (year-end) increased 1.3% year on year to $40.0bn, total assets rose 5.5% to $6,545.9bn, and the total capital base increased 1.7% to $456.7bn, while the total capital ratio edged down to 20.4%. Liquidity metrics eased slightly year on year, with the liquidity coverage ratio at 136.0%, the minimum liquidity holdings ratio at 16.7% and the net stable funding ratio at 117.4%. Residential property credit outstanding increased 5.4% to $2,349.7bn, with owner-occupied lending at a 67.6% share and investment lending at a 30.4% share; non-performing loans rose to 1.08% while loans 30–89 days past due fell to 0.60%. New residential loans funded during the quarter totalled $154.7bn, including 30.3% with LVR = 80% and 5.3% with DTI ratio = 6x; commercial property exposure limits increased to $483.7bn and commercial property exposures to $448.4bn.
Australian Prudential Regulation Authority 2025-06-13
Australian Prudential Regulation Authority releases March 2025 quarter ADI performance and property exposures with $40.0bn net profit and $2.35tn residential credit
The Australian Prudential Regulation Authority's report for the quarter ending 31 March 2025 highlights a 1.3% increase in net profit after tax to AUD 40.0 billion and a 5.5% rise in total assets to AUD 6,545.9 billion. The total capital base grew by 1.7% to AUD 456.7 billion, with a slight dip in the total capital ratio to 20.4%. Liquidity metrics eased slightly, with the liquidity coverage ratio at 136.0%, minimum liquidity holdings ratio at 16.7%, and net stable funding ratio at 117.4%. Residential property credit rose 5.4% to AUD 2,349.7 billion. Non-performing loans increased to 1.08%, while loans 30–89 days past due decreased to 0.60%. Commercial property exposure limits rose to AUD 483.7 billion.