SYDNEY, March 13 -- Australian Prudential Regulation Authority issued the following media release:
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
Dec2024
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 ratio20.0%
20.1%
0.1 points
Liquidity coverage ratio133.7%
132.2%
-1.5 points
Minimum liquidity holdings ratio17.7%
17.4%
-0.3 points
Net stable funding ratio117.8%
116.0%
-1.7 points
Key statistics for ADIs conducting residential mortgage lending for the quarter were:2
ADIs' residential property exposures
Dec2023
Dec2024
Year-on-year change
Total credit outstanding ($bn)2,210.5
2,322.2
5.1%
Owner-occupied loans - share67.7%
67.7%
-0.06 points
Investment loans - share30.3%
30.4%
0.05 points
Loans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share18.0%
17.4%
-0.67 points
Loans 30-89 days past due - share0.60%
0.59%
-0.01 points
Non-performing loans0.85%
1.05%
+0.21 points
ADIs' new loans funded during the quarter
Dec2023
Dec2024
Year-on-year change
New loans funded ($bn)152.5
179.9
18.0%
New owner-occupied loans funded - share65.6%
63.4%
-2.23 points
New investment loans funded - share32.5%
34.4%
1.98 points
New loans with LVR ≥ 80 per cent funded - share31.5%
31.0%
-0.41 points
New loans with debt-to-income (DTI) ratio ≥ 6x funded - share5.6%
5.8%
0.21 points
Key commercial property statistics for ADIs for the December 2024 quarter were:
Dec2023
Dec2024
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 theDecember 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.
Disclaimer: Curated by HT Syndication.
