Below are accessible text-only versions of the infographics used in the APRA Corporate Plan 2026-27.
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 safety and stability
- 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
- Getting the balance right
- Improving our organisational effectiveness
Industry snapshots
Banking snapshot
APRA regulates 128 licensed authorised deposit-taking institutions (ADIs). This includes:
- 71 Banks (excluding mutuals)
- 51 Mutual ADIs
- 6 Other ADIs (any licensed ADI not defined as a bank, mutual or restricted ADI)
Regulated assets
- $6.7 trillion in total regulated assets
- Residential mortgages total credit outstanding: $2.5tn
- Total deposits: $4.5tn
Total regulated assets predominately sourced from the domestic books data collection.
Industry-wide capital ratios remain strong in 2026**
- Common Equity Tier 1 Capital ratio: 12.3%
- Tier 1 Capital ratio: 13.9%
- Total Capital ratio: 20.3%
The above capital ratios are each calculated against total risk-weighted assets.
Industry-wide liquidity ratios remain strong in 2026
- Minimum Liquid Holdings (MLH): 15.8%
- Net Stable Funding Ratio (NSFR): 115.5%
- Liquidity Coverage Ratio (LCR): 137.8%
MLH ratio is the percentage ratio of specified liquid assets to liabilities. LCR is the percentage ratio of high-quality liquid assets to total net cash outflows. NSFR is calculated as available stable funding divided by required stable funding.
Figures as at 31 March 2026. Excludes other ADIs unless otherwise stated. Numbers may not total due to rounding.
Superannuation snapshot
- 79 APRA-regulated funds
- 53 RSE licensees
- $3.1 trillion in total APRA-regulated assets
- 23.9 million accounts*
- 5.1 million accounts* currently at or over preservation age of 60 years
- 3.9 million additional accounts* approaching preservation age in 10 years
Proportion of international investments**
- 2022: 41.0%
- 2023: 44.2%
- 2024: 45.3%
- 2025: 46.5%
- 2026: 47.3%
Average member balance by age*
- 45 to 49 - $148,232
- 50 to 54 - $186,288
- 55 to 59 - $229,438
- 60 to 64 - $258,197
- 65 to 69 - $279,740
Figures as at 31 March 2026. APRA-regulated funds with more than six members. Numbers may not total due to rounding.
*Data includes exempt public sector schemes.
**Figures as at 30 June each year, except for 2026, which is at 31 March. Data includes all international investments but excludes derivatives. Includes exempt public sector schemes.
Insurance snapshot
- 88 General insurers
- 32 Life insurers and friendly societies
- 28 Private health insurers
$309.5 billion in assets across the three insurance sectors:
- $144.4bn General insurers
- $144.0bn Life insurers and friendly societies
- $21.2bn Private health insurers
Industry-wide capital ratios remain strong in 2026*
- General insurers: 1.81x
- Life insurers and friendly societies: 1.90X
- Private health insurers: 2.45X
Prescribed capital amount coverage ratio = capital base divided by prescribed capital amount.
Figures as at 31 March 2026. Numbers may not total due to rounding.