APRA releases quarterly authorised deposit-taking institution statistics for December 2025
The Australian Prudential Regulation Authority (APRA) has released the Quarterly Authorised Deposit-taking Institution (ADI) Performance and the Quarterly ADI Property Exposures publications for the quarter ending 31 December 2025.
APRA activated debt-to-income (DTI) limits from February 2026, restricting the share of new lending at high DTI (a DTI ratio of six or greater), with limits applying separately to an ADI’s new investor and owner-occupier lending. See Activation of debt-to-income limits as a macroprudential policy tool for more information.
The tables below now include data on the share of new investor and owner-occupier lending at high DTI. From next quarter’s edition of the publication onwards, the full time series for these data will be included in the statistical Excel file and highlights release.
Key statistics for ADIs for the quarter were:
| Item | December 2024 | December 2025 | Year-on-year change |
|---|---|---|---|
| Net profit after tax (year-end) ($bn) | 39.6 | 42.3 | 6.6% |
| Total assets ($bn) | 6,619.4 | 6,828.8 | 3.2% |
| Total capital base ($bn) | 449.6 | 467.5 | 4.0% |
| Total risk-weighted assets ($bn) | 2,237.9 | 2,298.8 | 2.7% |
| Total capital ratio | 20.1% | 20.3% | 0.25 points |
| Liquidity coverage ratio | 132.2% | 130.2% | -2.03 points |
| Minimum liquidity holdings ratio | 17.4% | 16.4% | -0.97 points |
| Net stable funding ratio | 116.0% | 116.1% | 0.01 points |
Key residential mortgage lending statistics for ADIs for the quarter were:
| Item | December 2024 | December 2025 | Year-on-year change |
|---|---|---|---|
| Total credit outstanding ($bn) | 2,322.2 | 2,475.0 | 6.6% |
| Owner-occupied loans - share | 67.7% | 67.2% | -0.44 points |
| Investment loans - share | 30.4% | 30.8% | 0.39 points |
| Loans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share | 17.4% | 16.9% | -0.46 points |
| Loans 30-89 days past due - share | 0.59% | 0.47% | -0.12 points |
| Non-performing loans | 1.05% | 0.99% | -0.07 points |
| Item | December 2024 | December 2025 | Year-on-year change |
|---|---|---|---|
| New loans funded ($bn) | 179.9 | 217.6 | 20.9% |
| New owner-occupied loans funded - share | 63.4% | 61.8% | -1.54 points |
| New investment loans funded - share | 34.4% | 35.9% | 1.44 points |
| New loans with LVR ≥ 80 per cent funded - share | 31.0% | 32.2% | 1.14 points |
| New loans with debt-to-income (DTI) ratio ≥ 6x funded - share | 5.8% | 6.8% | 1.03 points |
| New owner-occupied loans with debt-to-income (DTI) ratio ≥ 6x funded - share | - | 4.0% | - |
| New investment loans with debt-to-income (DTI) ratio ≥ 6x funded - share | - | 11.3% | - |
Key commercial property statistics for ADIs for the quarter were:
| Item | December 2024 | December 2025 | Year-on-year change |
|---|---|---|---|
| Commercial property exposure limits ($bn) | 476.3 | 518.9 | 8.9% |
| Commercial property exposures ($bn) | 441.2 | 480.2 | 8.8% |
The Quarterly ADI Performance publication contains information on ADIs’ financial performance, financial position, capital adequacy, asset quality, liquidity and key financial performance ratios.
The Quarterly ADI Property Exposures publication contains data on commercial and residential property exposures, including detail on risk indicators, serviceability characteristics and non-performing loans.
Copies of the publications are available at: Quarterly authorised deposit-taking institution statistics.
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