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APRA releases quarterly authorised deposit-taking institution statistics for June 2020

Tuesday 8 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 June 2020.

The banking system remained resilient in the June 2020 quarter. Despite ongoing challenges to profitability, bank financial positions remain sound due to strong capital and liquidity levels, support through various policy measures and signs of reduced risk appetite in residential mortgage lending. There is some degradation of asset quality as a result of COVID-19, although the full scale of this impact will only be seen in the coming quarters.

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 June 2020 quarter were:

 

June 2019

June 2020

Change

Net profit after tax (year-end)

$34.2 billion

$26.2 billion

-23.5%

Total assets

$4,891.4 billion

$5,328.7 billion

+8.9%

Total capital base

$303.2 billion

$347.4 billion

+14.6%

Total risk-weighted assets

$2,018.7 billion

$2,120.3 billion

+5.5%

 

June 2019

June 2020

Change

Capital adequacy ratio

15.0%

16.3%

+1.3 percentage points

Minimum liquidity holdings ratio

15.5%

19.1%

+3.6 percentage points

Liquidity coverage ratio

129.6%

137.6%

+8.0 percentage points

Key non-performing loans statistics for ADIs for the quarter were:

 

June 2019

June 2020

Change

Impaired assets and past due items2

$31.0 billion

$39.1 billion

+26.1%

Total provisions

$12.4 billion

$15.3 billion

+23.5%

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

June 2019

June 2020

Change

Owner-occupied

$1,104.6 billion

$1,135.4 billion

+2.8%

Investment

$587.7 billion

$612.6 billion

+4.2%

Non-performing term loans

$16.8 billion

$20.5 billion

+22.0%

Interest-only

$378.4 billion

$291.3 billion

-23.0%

LVR ≥ 95

$22.6 billion

$19.4 billion

-14.2%

Residential mortgages – new loans funded

June 2019 quarter

June 2020 quarter

Change

Owner-occupied

$58.6 billion

$76.9 billion

+31.1%

Investment

$25.9 billion

$32.2 billion

+24.1%

Interest-only

$17.6 billion

$20.0 billion

+13.1%

LVR ≥ 95

$1.1 billion

$1.8 billion

+60.5%

Third-party originated

$43.0 billion

$58.7 billion

+36.3%

Debt-to-income ≥ 6x

$12.3 billion

$17.5 billion

+42.2%

Key commercial property statistics for ADIs for June 2020 were:

Commercial property

June 2019

June 2020

Change

Total commercial property limits

$338.3 billion

$355.8 billion

+5.2%

Total commercial property exposures

$285.4 billion

$300.8 billion

+5.4%

Copies of the June 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.

Statistics

For more information

Email dataanalytics@apra.gov.au or mail to

Manager, External Data Reporting – Data Analytics and Insights
Australian Prudential Regulation Authority
GPO Box 9836, Sydney NSW 2001

Looking for discontinued publications?

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