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APRA releases quarterly authorised deposit-taking institution statistics for September 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 September 2020.

The banking system was resilient in the September quarter although challenges remain. Banks are well capitalised with strong liquidity and funding positions. Residential mortgage lending growth is being supported by owner-occupiers, while other categories of lending are declining. The industry remains profitable although returns have declined significantly. Key measures of asset quality are broadly stable with support measures in place, although deterioration is expected over the medium term. 

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 September 2020 quarter were:    

 

September 2019

September 2020

Change

Net profit after tax (year-end)

$34.4 billion

$21.0 billion

-38.8%

Total assets

$4,997.1 billion

$5,243.0 billion

+4.9%

Total capital base

$320.0 billion

$355.1 billion

+11.0%

Total risk-weighted assets

$2,078.6 billion

$2,106.8 billion

+1.4%

 

September 2019

September 2020

Change

Capital adequacy ratio

15.4%

16.9%

+1.5 percentage points

Minimum liquidity holdings ratio

15.8%

19.7%

+3.9 percentage points

Liquidity coverage ratio

130.2%

144.5%

+14.3 percentage points

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

 

September 2019

September 2020

Change

Impaired assets and past due items2

$31.7 billion

$37.7 billion

+19.1%

Total provisions

$13.2 billion

$14.9 billion

+13.5%

The Quarterly ADI Property Exposures (QPEX) publication contains data on commercial and residential property exposures, including detail on mortgage lending such as risk indicators, serviceability characteristics and non-performing loans.

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

Residential mortgages – credit outstanding

September 2019

September 2020

Change

Owner-occupied

$1,083.4 billion

$1,153.0 billion

+6.4%

Investment

$616.1 billion

$608.3 billion

-1.3%

Non-performing term loans

$16.6 billion

$19.6 billion

+18.1%

Interest-only

$353.4 billion

$275.8 billion

-22.0%

LVR ≥ 95

$21.1 billion

$19.0 billion

-9.9%

Residential mortgages – new loans funded

September 2019quarter

September 2020quarter

Change

Owner-occupied

$64.0 billion

$78.2 billion

+22.2%

Investment

$28.6 billion

$32.4 billion

+13.3%

Interest-only

$17.4 billion

$21.0 billion

+21.0%

LVR ≥ 95

$1.4 billion

$1.9 billion

+35.0%

Third-party originated

$48.3 billion

$62.8 billion

+30.1%

Debt-to-income ≥ 6x

$14.0 billion

$18.0 billion

+29.0%

Key commercial property statistics for ADIs for September 2020 were:

Commercial property

September 2019

September 2020

Change

Total commercial property limits

$339.2 billion

$356.6 billion

+5.1%

Total commercial property exposures

$287.5 billion

$302.3 billion

+5.1%

Copies of the September 2020 publications are available at: Quarterly authorised deposit-taking institution statistics.

Footnotes:

1 Excluding ADIs that are not banks, building societies or credit unions.
2 Repayment deferrals may have dulled the anticipated deterioration on asset quality. 

 

Statistics

For more information

Email dataanalytics@apra.gov.au or mail to

Manager, External Data Reporting – Data Analytics and Insights
Australian Prudential Regulation Authority
GPO Box 9836, Sydney NSW 2001

Looking for discontinued publications?

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