Skip to main content
Media Releases

APRA releases quarterly authorised deposit-taking institution statistics for December 2019

Tuesday 10 March 2020

The Australian Prudential Regulation Authority (APRA) has released the Quarterly Authorised Deposit-taking Institution (ADI) Performance and the Quarterly Authorised Deposit-taking Institution Property Exposures publications for the quarter ending December 2019.

The Quarterly ADI Performance publication contains information on ADIs’ financial performance, financial position, capital adequacy, asset quality, liquidity and key financial performance ratios. 

Key statistics for ADIs1 for the December 2019 quarter were:

 

December 2018

December 2019

Change

Net profit after tax (year-end)

$35.7 billion

$33.8 billion

-5.4%

Total assets

$4,814.4 billion

$4,981.7 billion

+3.5%

Total capital base

$298.9 billion

$329.0 billion

+10.1%

Total risk-weighted assets

$2,006.4 billion

$2,089.7 billion

+4.2%

 

 

December 2018

December 2019

Change

Capital adequacy ratio

14.9%

15.7%

+0.8 percentage points

Minimum liquidity holdings ratio

15.1%

16.2%

+1.1 percentage points

Liquidity coverage ratio

129.4%

131.5%

+2.2 percentage points

 

Key non-performing loans statistics for ADIs for the quarter were:

 

December 2018

December 2019

Change

Impaired assets and past due items

$27.9 billion

$30.9 billion

+10.9%

Total provisions

$11.6 billion

$12.8 billion

+10.3%

APRA has also published new detailed data on residential mortgage lending for the first time in its updated Quarterly ADI Property Exposures (QPEX) publication. The new data includes more granular detail on mortgage lending, including risk indicators, serviceability characteristics and non-performing loans.

The new data is subject to enhanced reporting requirements for ADIs as part of the Economics and Financial Statistics (EFS) collection, which applies improved definitions designed to provide a more reliable snapshot of Australia’s mortgage data. 

Accordingly, APRA recommends users exercise caution when analysing and interpreting the statistics, as movements in some categories may be driven by definitional changes rather than changes in residential mortgage lending practices. Please refer to the glossary and explanatory notes in the publication for further information. 

Key statistics for ADIs conducting residential mortgage lending for the quarter were:
 

Residential mortgages – credit outstanding

September 2019

December 2019

Change

Owner-occupied

$1,083.4 billion

$1,101.1 billion

+1.6%

Investment

$616.1 billion

$615.5 billion

-0.1%

Non-performing term loans

$16.0 billion

$15.8 billion

-1.6%

Interest-only

$353.4 billion

$329.9 billion

-6.7%

LVR ≥ 95

$21.1 billion

$20.3 billion

-4.0%

 

Residential mortgages – new loans funded

September 2019

December 2019

Change

Owner-occupied

$64.0 billion

$71.9 billion

+12.4%

Investment

$28.6 billion

$32.0 billion

+12.0%

Interest-only

$17.4 billion

$18.7 billion

+7.9%

LVR ≥ 95

$1.4 billion

$1.6 billion

+17.5%

Third-party originated

$48.3 billion

$53.5 billion

+10.7%

Debt-to-income ≥ 6x

$14.0 billion

$17.1 billion

+22.3%

 

Key commercial property statistics for ADIs1 for December 2019 were:
 

Commercial property

September 2019

December 2019

Change

Total commercial property limits

$340.9 billion

$344.1 billion

+0.9%

Total commercial property exposures

$289.1 billion

$291.5 billion

+0.9%

Copies of the December 2019 publications are available at: Quarterly authorised deposit-taking institution statistics.

 


Footnote

1Excluding ADIs that are not banks, building societies or credit unions.

Statistics

Media enquiries

Contact Ben McLean, APRA Media Unit, on +61 2 9210 3024

All other enquiries

For more information contact APRA on 1300 558 849.

The Australian Prudential Regulation Authority (APRA) is the prudential regulator of the financial services industry. It oversees banks, credit unions, building societies, general insurance and reinsurance companies, life insurance, private health insurers, friendly societies, and most members of the superannuation industry. APRA currently supervises institutions holding $6.5 trillion in assets for Australian depositors, policyholders and superannuation fund members.