The Australian Prudential Regulation Authority (APRA) has released the Quarterly Authorised Deposit-taking Institution (ADI) Performance and the Quarterly ADI Property Exposures publications for the quarter ending 31 December 2024.
Key statistics for ADIs1 for the December 2024 quarter were:
Dec 2023 |
Dec 2024 |
Year-on-year change |
|
|---|---|---|---|
| Net profit after tax (year-end) ($bn) | 39.5 |
39.6 |
0.4% |
| Total assets ($bn) | 6,259.7 |
6,621.5 |
5.8% |
| Total capital base ($bn) | 434.2 |
449.6 |
3.6% |
| Total risk-weighted assets ($bn) | 2,176.5 |
2,238.0 |
2.8% |
| Total capital ratio | 20.0% |
20.1% |
0.1 points |
| Liquidity coverage ratio | 133.7% |
132.2% |
-1.5 points |
| Minimum liquidity holdings ratio | 17.7% |
17.4% |
-0.3 points |
| Net stable funding ratio | 117.8% |
116.0% |
-1.7 points |
Key statistics for ADIs conducting residential mortgage lending for the quarter were:2
ADIs' residential property exposures |
Dec 2023 |
Dec 2024 |
Year-on-year change |
|---|---|---|---|
| Total credit outstanding ($bn) | 2,210.5 |
2,322.2 |
5.1% |
| Owner-occupied loans - share | 67.7% |
67.7% |
-0.06 points |
| Investment loans - share | 30.3% |
30.4% |
0.05 points |
| Loans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share | 18.0% |
17.4% |
-0.67 points |
| Loans 30-89 days past due - share | 0.60% |
0.59% |
-0.01 points |
| Non-performing loans | 0.85% |
1.05% |
+0.21 points |
ADIs' new loans funded during the quarter |
Dec 2023 |
Dec 2024 |
Year-on-year change |
|---|---|---|---|
| New loans funded ($bn) | 152.5 |
179.9 |
18.0% |
| New owner-occupied loans funded - share | 65.6% |
63.4% |
-2.23 points |
| New investment loans funded - share | 32.5% |
34.4% |
1.98 points |
| New loans with LVR ≥ 80 per cent funded - share | 31.5% |
31.0% |
-0.41 points |
| New loans with debt-to-income (DTI) ratio ≥ 6x funded - share | 5.6% |
5.8% |
0.21 points |
Key commercial property statistics for ADIs for the December 2024 quarter were:
Dec 2023 |
Dec 2024 |
Year-on-year change |
|
|---|---|---|---|
| Commercial property exposure limits ($bn) | 446.9 |
474.6 |
6.2% |
| Commercial property exposures ($bn) | 415.7 |
439.6 |
5.7% |
The Quarterly ADI Performance publication contains information on ADIs' financial performance, financial position, capital adequacy, asset quality, liquidity and key financial performance ratios.
The Quarterly ADI Property Exposures publication contains data on commercial and residential property exposures, including detail on risk indicators, serviceability characteristics and non-performing loans.
Copies of the December 2024 publications are available at: Quarterly authorised deposit-taking institution statistics.
Footnotes
1 Excludes ADIs that are not banks, building societies or credit unions.
2 See Explanatory Notes of QPEX for details of share calculations.
