APRA Corporate Plan 2025-26 - Accessible infographics
Below are accessible text-only versions of the infographics used in the APRA Corporate Plan 2025-26.
Strategy on a page
Our purpose and regulatory tools
Our purpose: We are Australia's prudential regulator and are responsible for ensuring that Australian's financial interests are protected. We promote the safety and stability of the financial system, while balancing competition and efficiency considerations.
Our people enable our purpose, through their dedication and commitment to our work and our values.
Our regulatory tools include our powers to set, supervise and enforce standards and if necessary, ensure the resolution of the entities in an orderly manner.
Our strengths
- System-wide perspective
- Domestic and international relationships
- Values, expertise and insight
Our strategic objectives
- Maintaining financial and operational resilience
- Responding to significant and emerging risks
- Getting the balance right
- Improving our organisational effectiveness
Our outcomes
- Safety and resilience of regulated entities
- A stable financial system
- A financial system enabling good community outcomes
Strategic objectives
As outlined below, APRA has identified four strategic objectives where it will heighten regulatory focus.
- Maintaining financial and operational resilience
- Responding to significant and emerging risks
- Getting the balance right
- Improving our organisational effectiveness
Industry snapshots
Banking snapshot
APRA regulates 133 licensed authorised deposit-taking institutions (ADIs). This includes:
- 72 Banks (excluding mutuals)
- 54 Mutual ADIs
- 7 Other ADIs (any licensed ADI not defined as a bank, mutual or restricted ADI)
Regulated assets
- $6,6 trillion in total regulated assets
- Residential mortgages total credit outstanding: $2,3tn*
- Total deposits: $4,2tn*
Industry-wide capital ratios remain strong in 2025**
- Common Equity Tier 1 Capital ratio: 12.3%
- Tier 1 Capital ratio: 14.1%
- Total Capital ratio: 20.4%
Industry-wide liquidity ratios remain strong in 2025
- Minimum Liquid Holdings (MLH): 16.7%
- Net Stable Funding Ratio (NSFR): 117.4%
- Liquidity Coverage Ratio (LCR): 136.0%
MLH ratio is the percentage ratio of specified liquid assets to liabilities. NSFR is calculated as available stable funding divided by required stable funding. LCR is the percentage ratio of high-quality liquid assets to total net cash outflows.
Figures as at 31 March 2025.
* Note this excludes Other ADIs, numbers may not total due to rounding
** The above capital ratios are each calculated against total risk-weighted assets.
Superannuation snapshot
- 89 APRA-regulated funds
- 59 RSE licensees
- $2.9 trillion in total APRA-regulated assets
- 23.7 million accounts*
- 4.9 million accounts* currently over preservation age of 60 years
- 3.9 million additional accounts* approaching preservation age in 10 years
Proportion of international investments**
- 2022: 40.8%
- 2023: 44.1%
- 2024: 45.2%
- 2025: 47.0%
Average member balance by age*
- 45 to 49 - $137,037
- 50 to 54 - $172,040
- 55 to 59 - $212,918
- 60 to 64 - $242,127
- 65 to 69 - $266,817
Figures as at 31 March 2025. APRA-regulated funds with more than six members. Preservation age of 60 years.
* Data also includes exempt public sector schemes.
** Figures as at 30 June each year, except for 2025, which is at 31 March. Dataset includes all international investments but excludes derivatives.
Insurance snapshot
- 87 General insurers
- 33 Life insurers and friendly societies
- 30 Private health insurers
$304.0 billion in assets across the three insurance sectors:
- $142.6bn Life insurers and friendly societies
- $140.4bn General insurers
- $21.0bn Private health insurers
Industry-wide capital ratios remain strong in 2025*
- General insurers: 1.84x
- Life insurers and friendly societies: 2.08X
- Private health insurers: 2.57X
Figures as at 31 March 2025.
Data provided is based on the revised reporting framework to reflect the implementation of Australian Accounting Standards Board 17 Insurance Contracts (AASB17) and revised capital framework for private health insurers.
* Prescribed Capital Amount coverage ratio = capital base divided by prescribed capital amount.