SYDNEY, March 12 -- 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 2025.
APRA activated debt-to-income (DTI) limits from February 2026, restricting the share of new lending at high DTI (a DTI ratio of six or greater), with limits applying separately to an ADI's new investor and owner-occupier lending. See Activation of debt-to-income limits as a macroprudential policy tool for more information.
The tables below now include data on the share of new investor and owner-occupier lending at high DTI. From next quarter's edition of the publication onwards, the full time series for these data will be included in the statistical Excel file and highlights release.
Key statistics for ADIs for the quarter were:
ItemDecember 2024December 2025Year-on-year changeNet profit after tax (year-end) ($bn)39.642.36.6%Total assets ($bn)6,619.46,828.83.2%Total capital base ($bn)449.6467.54.0%Total risk-weighted assets ($bn)2,237.92,298.82.7%Total capital ratio20.1%20.3%0.25 pointsLiquidity coverage ratio132.2%130.2%-2.03 pointsMinimum liquidity holdings ratio17.4%16.4%-0.97 pointsNet stable funding ratio116.0%116.1%0.01 points
Key residential mortgage lending statistics for ADIs for the quarter were:
ItemDecember 2024December 2025Year-on-year changeTotal credit outstanding ($bn)2,322.22,475.06.6%Owner-occupied loans - share67.7%67.2%-0.44 pointsInvestment loans - share30.4%30.8%0.39 pointsLoans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share17.4%16.9%-0.46 pointsLoans 30-89 days past due - share0.59%0.47%-0.12 pointsNon-performing loans1.05%0.99%-0.07 pointsItemDecember 2024December 2025Year-on-year changeNew loans funded ($bn)179.9217.620.9%New owner-occupied loans funded - share63.4%61.8%-1.54 pointsNew investment loans funded - share34.4%35.9%1.44 pointsNew loans with LVR ≥ 80 per cent funded - share31.0%32.2%1.14 pointsNew loans with debt-to-income (DTI) ratio ≥ 6x funded - share5.8%6.8%1.03 pointsNew owner-occupied loans with debt-to-income (DTI) ratio ≥ 6x funded - share-4.0%-New investment loans with debt-to-income (DTI) ratio ≥ 6x funded - share-11.3%-
Key commercial property statistics for ADIs for the quarter were:
ItemDecember 2024December 2025Year-on-year changeCommercial property exposure limits ($bn)476.3518.98.9%Commercial property exposures ($bn)441.2480.28.8%
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 publications are available at: Quarterly authorised deposit-taking institution statistics.
Disclaimer: Curated by HT Syndication.
