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 31 December 2024, updating key indicators on ADIs’ profitability, balance sheets, capital, liquidity and property-related exposures. Across ADIs (excluding non-bank ADIs), net profit after tax was broadly flat year on year at AUD 39.6 billion, while total assets rose 5.8% to AUD 6,621.5 billion. The total capital base increased to AUD 449.6 billion and risk-weighted assets to AUD 2,238.0 billion, with the total capital ratio edging up to 20.1%; liquidity metrics eased, including the liquidity coverage ratio to 132.2% and the net stable funding ratio to 116.0%. For residential mortgage lending ADIs, total credit outstanding increased 5.1% to AUD 2,322.2 billion, the share of owner-occupied loans remained 67.7% and non-performing loans rose to 1.05%; new loans funded increased 18.0% to AUD 179.9 billion, with the share of new investment lending rising to 34.4%. Commercial property exposure limits increased to AUD 474.6 billion and commercial property exposures to AUD 439.6 billion.
Australian Prudential Regulation Authority 2025-03-13
Australian Prudential Regulation Authority publishes December 2024 quarter ADI performance and property exposure data
The Australian Prudential Regulation Authority released its quarterly reports for the period ending 31 December 2024, showing ADIs' net profit after tax remained stable at AUD 39.6 billion, with total assets up 5.8% to AUD 6,621.5 billion and a total capital ratio of 20.1%. Residential mortgage lending saw a 5.1% increase in total credit outstanding to AUD 2,322.2 billion, while commercial property exposure limits rose to AUD 474.6 billion.