Quarterly authorised deposit-taking institution performance statistics - September 2025 highlights
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Key Statistics1

 

September 2024

September 2025

Year-on-year change

Net profit after tax (year-end) ($bn)

39.1

41.1

5.1%

Total assets ($bn)

6,319.9

6,681.7

5.7%

Total capital base ($bn)

437.5

461.8

5.6%

Total risk-weighted assets ($bn)

2,163.0

2,268.5

4.9%

Total capital ratio

20.2%

20.4%

0.1 points

Liquidity coverage ratio

131.2%

133.3%

2.1 points

Minimum liquidity holdings ratio

17.1%

16.2%

-0.9 points

Net stable funding ratio

115.7%

115.9%

0.2 points

Financial performance

Line graph showing net profit after tax in billion dollars from September 2020 to September 2025. Profit rises from 2020 to 2022, stabilises around 40 billion.
Line graph showing return on equity percentages from September 2020 to September 2025. Increasing trend until 2023, a dip, then slight rise by 2025.
Line graph of net interest income as a percentage of average gross loans from Sep 2020 to Sep 2025, showing slight fluctuations around 2% to 3%.
Line graph showing year-on-year changes in total operating income from Sep-20 to Sep-25. Peaks around Sep-22 and Sep-25, dip in mid-2023. Positive trend.
Stacked area chart showing total operating expenses by category from Sep-20 to Sep-25. Categories include Personnel, Fees and Commissions, and Other.
Line chart depicting charges for bad or doubtful debts in billions. Peaks at $15bn in Sep-20, then declines, stabilizing around $5bn by Sep-25.

Asset quality

Line chart showing non-performing loans as a percentage of gross loans from Sep 2020 to Sep 2025. The trend is mostly stable around 1%, with a slight dip and rise.
Line graph showing the share of well-secured non-performing loans from Sept 2020 to Sept 2025, rising from 70% to about 77% before slightly declining.

Capital adequacy

Line graph showing capital base ratios as percentages from Sep-20 to Sep-25. Total Capital fluctuates around 19%, Tier 1 at 16%, CET1 near 14%.
Alt text: "Bar and line chart titled 'Quarterly change in total capital by component ($bn)' from Sep-20 to Sep-25. Bars show Common Equity Tier 1, Additional Tier 1, and Tier 2. Line represents Total Capital, fluctuating from over $10bn to below -$10bn, highlighting volatility."
Stacked area chart showing Total Risk-Weighted Assets (RWAs) by component (in trillions) from Sep 2020 to Sep 2025. Dark blue for Credit Risk forms the largest component, followed by teal for Market Risk, green for Operational Risk, and orange for Other risk charges. The chart shows a slight increase over time, with values ranging from 2.0 to 2.5 trillion dollars.
Line chart comparing year-on-year growth in Tier 1 and Tier 2 capital from Sep-20 to Sep-25. Tier 2 shows more fluctuation, while Tier 1 remains steady.

Liquidity

Stacked area chart showing liquidity coverage ratio components from Sep-20 to Sep-25, highlighting central bank balances, AGS/Semis, CLF, and other HQLA.
Stacked area chart showing MLH as a percentage of liabilities from Sep 2020 to Sep 2025. Categories: Other debt securities, AGS & Semi, Others, Cash. A white line indicates the minimum MLH ratio requirement.
Line graph of the Net Stable Funding Ratio (NSFR) from September 2020 to September 2025. It shows a decline from about 130% to 118%, with fluctuations.

Financial position

Line graph showing deposits and gross loans from Sep-20 to Sep-25, rising steadily from $3 trillion to over $4 trillion, indicating financial growth.
Line graph titled "Non-deposit funding ($tn)" shows a downward trend from $0.27tn in Sep-20 to $0.21tn in Sep-25. Fluctuations are minimal.
Footnotes

1  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.

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