Statistical publication

Quarterly authorised deposit-taking institution performance statistics - March 2026 highlights

Published
29 June 2026

Key statistics

Excludes ADIs that are not banks, building societies or credit unions, such as payment providers. The year-on-year change are calculated using the underlying unrounded values.

 March 2025March 2026Year-on-year change
Net profit after tax (year-end) ($bn)40.041.43.6%
Total assets ($bn)6,545.76,919.05.7%
Total capital base ($bn)456.7473.03.6%
Total risk-weighted assets ($bn)2,236.22,327.44.1%
Total capital ratio20.4%20.3%-0.1 points
Liquidity coverage ratio136.0%137.8%1.82 points
Minimum liquidity holdings ratio16.7%15.8%-0.91 points
Net stable funding ratio117.5%115.5%-2.01 points

Financial performance

Line chart showing net profit after tax rising from about $28bn in Mar-21 to around $41–42bn by Mar-26, with a dip around Mar-24.
Line chart showing return on equity increasing from about 9% in Mar-21 to around 12–13% by Mar-23, then stabilising near 12% to Mar-26.
Line chart showing net interest income ratio declining slightly from about 2.3% in Mar-21, peaking near 2.4% in Mar-23, then easing to around 2.2% by Mar-26.
Line chart showing year-on-year operating income growth rising to about 12% in Mar-23, falling below zero in Mar-24, then recovering to around 7% by Mar-26.
Stacked area chart showing total operating expenses rising from about $55bn in Mar-21 to over $70bn by Mar-26, driven mainly by personnel costs, with smaller increases in fees and other expenses.
Line chart showing charges for bad and doubtful debts falling from about $6bn in Mar-21 to negative territory in Mar-22, then rising and stabilising around $3–4bn by Mar-26.

Asset quality

Line chart showing non-performing loans ratio declining from about 1.1% in Mar-21 to around 0.8% in Mar-23, then increasing to about 1.1–1.2% by Mar-26.
Line chart showing share of well‑secured non-performing loans increasing from about 70% in Mar-22 to a peak near 77% in Mar-24, then easing to around 74% by Mar-26.

Capital adequacy

Line chart titled “Capital base as a percentage of total risk-weighted assets (%)” showing total capital around 20%, tier 1 around 14–15%, and CET1 around 12–13%, remaining broadly stable from Mar-23 to Mar-26 after a dip in Mar-22.
Bar and line chart titled “Quarterly change in total capital by component ($bn)” showing quarterly capital changes fluctuating between gains and losses, including a sharp decline around Mar-24 and several increases above $10bn.
Stacked area chart titled “Total RWAs by component ($tn)” showing total risk-weighted assets rising from about $2.0tn in Mar-21 to around $2.3tn by Mar-26, driven mainly by credit risk with smaller contributions from market and operational risk.
Line chart titled “Year-on-year growth in tier 1 capital vs year-on-year growth in tier 2 capital (%)” showing tier 1 capital growth remaining low and slightly volatile around 0–5%, while tier 2 capital growth is higher and more volatile, peaking above 30% around Mar-23 before easing to single digits by Mar-26.

Liquidity

Stacked area chart titled “Components of the liquidity coverage ratio (LCR) (%)” showing LCR consistently above the 100% minimum, with shifting contributions from central bank balances, AGS and semis, and other high-quality liquid assets.
Stacked area chart titled “MLH as a percentage of liabilities (%)” showing MLH declining from around 19% in Mar-21 to about 15–16% by Mar-26, remaining above the minimum requirement with changing component shares.
Line chart titled “Net stable funding ratio (NSFR) (%)” showing NSFR declining gradually from about 125–127% in Mar-21 to around 115–117% by Mar-26, remaining above the 100% minimum requirement.

Financial position

Line chart titled “Deposits and loans ($tn)” showing both deposits and gross loans increasing steadily from around $3.2–3.4tn in Mar-21 to about $4.5–4.7tn by Mar-26, with loans slightly higher than deposits throughout.
Line chart titled “Non-deposit funding ($tn)” showing non-deposit funding declining from about $0.16tn in Mar-21 to around $0.1tn in Mar-22, then fluctuating around $0.1–0.14tn to Mar-26.

For more information

Email dataanalytics@apra.gov.au or mail to

Manager, External Data Reporting
Australian Prudential Regulation Authority
GPO Box 9836, Sydney NSW 2001

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Footnotes