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.
For more information
Email dataanalytics@apra.gov.au or mail to
Manager, External Data Reporting
Australian Prudential Regulation Authority
GPO Box 9836, Sydney NSW 2001Looking for discontinued publications?
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