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 December 2019.
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 December 2019 quarter were:
December 2018 | December 2019 | Change | |
|---|---|---|---|
Net profit after tax (year-end) | $35.7 billion | $33.8 billion | -5.4% |
Total assets | $4,814.4 billion | $4,981.7 billion | +3.5% |
Total capital base | $298.9 billion | $329.0 billion | +10.1% |
Total risk-weighted assets | $2,006.4 billion | $2,089.7 billion | +4.2% |
December 2018 | December 2019 | Change | |
|---|---|---|---|
Capital adequacy ratio | 14.9% | 15.7% | +0.8 percentage points |
Minimum liquidity holdings ratio | 15.1% | 16.2% | +1.1 percentage points |
Liquidity coverage ratio | 129.4% | 131.5% | +2.2 percentage points |
Key non-performing loans statistics for ADIs for the quarter were:
December 2018 | December 2019 | Change | |
|---|---|---|---|
Impaired assets and past due items | $27.9 billion | $30.9 billion | +10.9% |
Total provisions | $11.6 billion | $12.8 billion | +10.3% |
APRA has also published new detailed data on residential mortgage lending for the first time in its updated Quarterly ADI Property Exposures (QPEX) publication. The new data includes more granular detail on mortgage lending, including risk indicators, serviceability characteristics and non-performing loans.
The new data is subject to enhanced reporting requirements for ADIs as part of the Economics and Financial Statistics (EFS) collection, which applies improved definitions designed to provide a more reliable snapshot of Australia’s mortgage data.
