APRA Releases Quarterly ADI Statistics for December 2025

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Published March 12th, 2026

Detected March 13th, 2026

Summary

The Australian Prudential Regulation Authority (APRA) has released its quarterly statistics for Authorised Deposit-taking Institutions (ADIs) for the quarter ending December 2025. The release includes updated data on financial performance, property exposures, and the impact of recently activated debt-to-income (DTI) limits.

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What changed

APRA has published its Quarterly Authorised Deposit-taking Institution (ADI) Performance and Quarterly ADI Property Exposures for the quarter ending December 31, 2025. This release incorporates data on the share of new lending at high debt-to-income (DTI) ratios, following the activation of DTI limits in February 2026. Key statistics show a year-on-year increase in net profit after tax, total assets, and total capital base for ADIs, while liquidity ratios have seen slight decreases.

Regulated entities, specifically ADIs, should review these statistics to understand industry performance and the initial impact of the DTI limits on new lending. While this is a data release and not a rule change, ADIs must continue to adhere to the DTI restrictions implemented in February 2026. No specific compliance actions are mandated by this release, but ongoing monitoring of these statistics is advised for strategic planning and risk management.

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Media Releases

APRA releases quarterly authorised deposit-taking institution statistics for December 2025

Thursday 12 March 2026

Print Email 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. S ee 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.

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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