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Data find: APRA’s newly expanded Monthly ADI Statistics

APRA’s Monthly Authorised Deposit-taking Institutions Statistics (MADIS) publication replaces APRA’s Monthly Banking Statistics (MBS) and now includes additional ADIs – building societies, larger credit unions and other ADIs. This expansion is in line with APRA’s objective to increase the public availability of data it collects for the ADI sector.

In most cases, the data items in both publications are conceptually similar. However, there has been a change in definitions for some loan categories - owner-occupier housing loans, investment housing loans, and personal loans – in the new underlying data collection. These improved definitions allow for a more reliable snapshot of Australia’s mortgage data.

Loans to hourseholds
Note: Definitional changes include factors not shown in this chart

Perhaps the most noticeable change in the data between MBS and MADIS was a sharp jump in the number of housing investment and personal loans, and a decline in loans to owner-occupiers. When the first MADIS publication was released in June, APRA received a number of inquiries seeking to understand why there had been such a jump in loans to property investors. In reality, the only change was in how banks classified their loans using the new definitions; many loans that had previously been classified as owner-occupier were now classified as investment or even personal loans.

For example, a holiday home was typically classified as “owner-occupied” in the MBS data; under MADIS, it is now defined as an investment loan. Under the old definitions, a customer taking out a new mortgage to buy a boat might see their loan classified as “owner-occupied”, whereas it is now recorded as a personal loan under MADIS.

The most recent Monthly Authorised Deposit-taking Institutions Statistics (MADIS) publication is available here.