Quarterly Authorised Deposit-Taking Institution Property Exposures Statistics - September 2004 To December 2023

‌OFFICIAL: Sensitive‌
Statistics
Quarterly authorised deposit-taking institution property
exposures
September 2004 to December 2023

(released 12 March 2024)
AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY | APRA.GOV.AU

Notes
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Notation
Amounts are expressed in millions of Australian dollars. Both the Australian-dollar denominated transactions and
the Australian-dollar equivalent of foreign-currency denominated transactions are included.
The symbol '*' indicates that the data have been masked to maintain confidentiality.
The blank cells represent items that are not applicable, for example where data were collected up to or from a
certain period end date.
Rounding
Details on tables may not add up to totals due to rounding of figures.
Explanatory notes and glossary

A set of explanatory notes is provided at the end of the publication to assist the reader in understanding the source
of the data used in this publication. In particular, these notes help explain differences between the data presented
and information publicly released by banks in their financial statements and profit announcements.
A glossary to assist the reader in understanding the definitions of the data in this publication is available on the
Quarterly authorised deposit-taking institution statistics webpage:
https://www.apra.gov.au/quarterly-authorised-deposit-taking-institution-statistics
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Contents
All ADIs
ADIs Commercial property exposures Table 1a
Residential property exposures Table 1b
New housing loans funded Table 1c
Banks Commercial property exposures Table 2a

Credit unions and Commercial property exposures Table 3a

building societies
Banks
Major banks Commercial property exposures Table 4a
Other domestic banks Commercial property exposures Table 5a

Foreign subsidiary Commercial property exposures Table 6a

banks
Mutual ADIs Commercial property exposures Table 7a

Foreign branch banks Commercial property exposures Table 8
Revisions Revisions
Explanatory notes Explanatory notes
Australian Prudential Regulation Authority 6

Mar 2004 Sep 2004 Mar 2005 Sep 2005 Mar 2006 Sep 2006 Mar 2007 Sep 2007 Mar 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Commercial property exposure limits

Office 30,269 33,038 34,485 38,895 39,958 44,760 50,046 59,806 67,713 71,174 73,226 73,664 73,599 73,998 68,469 65,206 65,618
Retail 22,803 27,070 28,633 27,552 30,026 33,637 34,934 38,729 43,518 48,277 51,662 52,943 49,993 50,107 50,960 50,119 50,622
Industrial 10,682 12,538 13,779 15,962 17,355 19,419 21,193 26,566 28,424 29,955 31,339 32,179 32,417 32,039 30,538 29,224 28,918
Land development/subdivisions 13,249 13,756 15,486 16,824 18,839 22,542 23,542 25,475 27,935 28,956 27,365 27,031 26,964 25,473 22,094 21,671 21,962
Other residential 23,927 30,386 29,773 31,349 32,113 34,369 36,040 41,027 42,285 46,259 48,317 46,503 44,492 42,330 39,844 37,200 37,634
Tourism and leisure 4,747 5,286 5,238 5,887 6,842 7,972 8,550 10,045 11,062 10,623 10,816 11,074 10,328 10,604 9,975 8,471 8,659
Other 10,303 12,187 13,799 16,590 18,493 19,833 22,796 24,026 28,065 33,788 37,224 42,994 36,025 35,355 34,985 33,320 32,594
Total commercial property limits 115,981 134,260 141,193 153,059 163,625 182,532 197,100 225,674 249,000 269,031 279,949 286,388 273,819 269,907 256,864 245,212 246,006
of which: Exposure limits in Australia 96,307 108,457 115,255 124,930 131,701 147,003 157,492 182,469 201,507 216,847 224,377 231,717 223,681 220,468 211,882 202,976 201,976
Commercial property actual exposures

Office 26,770 28,037 30,071 33,674 34,122 38,150 42,861 51,216 59,036 62,493 64,588 65,319 65,001 66,282 61,161 59,020 59,180
Retail 19,477 21,373 22,741 23,267 25,433 27,200 29,244 32,352 35,650 41,143 44,619 44,683 42,204 42,619 42,863 43,304 43,178
Industrial 9,596 11,005 12,058 13,710 15,038 16,376 18,589 23,505 24,522 26,977 28,666 29,426 29,675 29,390 28,137 27,067 26,724
Land development/subdivisions 9,700 10,502 11,890 12,781 14,463 16,950 16,729 19,605 22,199 22,658 22,519 22,758 22,515 21,550 19,028 18,698 18,282
Other residential 17,230 24,431 24,603 26,224 26,716 27,755 29,176 33,159 33,388 36,979 39,457 39,229 37,862 36,321 33,957 31,790 31,838
Tourism and leisure 4,467 4,954 5,001 5,540 6,331 6,766 7,550 8,900 9,769 9,438 9,649 10,143 9,609 10,023 9,542 8,079 8,314
Other 9,112 10,723 11,922 13,389 15,589 16,576 19,368 20,870 24,527 30,288 32,816 37,423 31,006 30,645 30,599 28,913 28,642
Total commercial property exposures 96,351 111,024 118,284 128,586 137,692 149,773 163,516 189,608 209,091 229,976 242,312 248,980 237,873 236,828 225,287 216,871 216,158
of which: Exposures in Australia 77,719 87,415 94,801 103,131 111,077 120,634 131,914 153,252 168,784 185,784 193,853 200,724 193,600 192,815 185,373 179,260 176,504
Impaired Commercial property exposures 330 232 166 246 292 279 458 712 2,465 6,499 7,639 9,171 10,195 10,656 10,972 11,735 12,006
of which: Exposures in Australia 315 214 154 203 251 243 351 453 2,284 5,808 6,835 8,000 8,752 9,135 9,698 10,287 10,431
Specific provisions 51 45 35 37 47 56 49 96 250 1,321 1,728 2,023 2,510 2,711 3,442 3,462 3,311
of which: Exposures in Australia 47 42 33 31 39 47 37 58 224 1,182 1,570 1,793 2,067 2,294 3,078 3,053 2,840
Specific provisions and security 312 202 190 287 377 458 541 837 1,051 3,850 5,636 7,156 8,032 8,225 9,708 11,038 11,356
of which: Exposures in Australia 297 184 177 250 343 425 436 559 856 3,112 4,754 5,884 6,460 6,653 8,345 9,539 9,716
Impaired assets to exposures 0.3% 0.2% 0.1% 0.2% 0.2% 0.2% 0.3% 0.4% 1.2% 2.8% 3.2% 3.7% 4.3% 4.5% 4.9% 5.4% 5.6%
Specific provisions to exposures 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 0.6% 0.7% 0.8% 1.1% 1.1% 1.5% 1.6% 1.5%
Specific provisions to impaired exposures 15.6% 19.6% 21.1% 15.0% 16.2% 19.9% 10.7% 13.4% 10.1% 20.3% 22.6% 22.1% 24.6% 25.4% 31.4% 29.5% 27.6%
Specific provisions and security held to impaired 94.6% 87.1% 114.8% 116.4% 129.0% 164.4% 118.0% 117.4% 42.6% 59.2% 73.8% 78.0% 78.8% 77.2% 88.5% 94.1% 94.6%
exposures
Non-performing commercial property exposures

of which: Exposures in Australia
Specific provisions
Specific provisions and security

Non-performing to total exposures

Specific provisions to total exposures

Specific provisions to non-performing exposures
Specific provisions and security held to non-

performing exposures
Number of entitiesa 243 239 233 226 219 214 210 209 205 196 187 185 180 179 175 172 172
a
Domestic subsidiary ADIs are consolidated into their parents

Table 1a All ADIs' commercial property exposures
(Excludes 'other ADIs')
($ million, consolidated group)
Quarter end
Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015
65,377 64,157 63,892 63,799 64,585 65,639 66,280 64,843 65,133 65,815 67,016 68,572 71,205 72,757 72,969 75,212 76,194 77,333 78,327 78,229 79,142
51,099 50,262 46,862 46,399 48,261 49,499 49,854 51,120 52,052 52,522 52,605 53,042 52,302 53,191 55,352 59,951 56,719 58,535 61,120 62,544 62,970
28,010 27,261 27,893 27,421 27,281 27,677 27,657 27,315 27,731 27,837 28,594 28,763 28,926 29,861 30,207 30,268 31,777 32,495 32,840 31,688 31,828
21,348 20,648 21,690 21,841 18,321 18,128 17,951 18,529 18,465 18,223 17,194 17,678 16,854 16,643 16,332 16,376 16,725 17,355 18,356 20,741 21,960
35,563 35,073 34,634 33,936 34,151 34,590 33,871 33,381 33,839 33,425 35,157 33,376 33,813 34,212 36,117 36,802 37,034 38,079 40,289 42,513 44,518
8,141 7,988 8,179 8,036 7,869 8,107 7,983 8,204 8,557 9,214 9,175 9,484 9,705 9,681 9,809 9,110 9,129 10,118 10,369 10,343 9,487
31,519 29,647 30,019 29,271 29,215 29,417 30,425 32,643 32,696 32,677 32,635 35,417 34,493 35,484 35,462 38,055 37,649 38,114 37,453 38,991 37,285
241,057 235,035 233,171 230,703 229,681 233,057 234,021 236,035 238,472 239,714 242,377 246,332 247,297 251,829 256,248 265,773 265,227 272,029 278,754 285,048 287,191
201,584 197,588 196,578 193,141 191,343 194,577 194,496 196,976 198,897 199,698 202,547 204,226 203,248 205,872 209,630 219,828 221,319 226,465 231,695 239,474 242,408
58,333 58,004 58,496 57,936 58,749 59,320 59,470 58,857 58,767 59,024 60,206 61,451 64,034 64,613 65,641 67,258 67,687 68,755 70,533 69,993 71,443
44,829 43,191 42,130 41,364 42,516 42,146 42,684 43,635 45,298 44,569 44,898 45,148 45,742 46,728 48,536 52,363 50,237 50,802 53,663 53,067 54,915
25,436 24,488 25,251 24,880 24,877 24,844 24,808 24,329 24,934 24,530 24,915 24,629 25,153 26,226 26,540 26,718 28,001 28,474 28,972 27,737 28,123
17,924 17,024 17,768 17,733 15,391 15,062 14,888 14,925 14,500 14,245 13,498 14,026 13,407 12,960 12,817 12,334 12,710 12,775 13,519 14,633 14,901
29,998 29,687 28,901 28,375 28,233 28,045 27,835 26,752 26,869 26,575 27,478 26,138 25,695 25,978 27,488 27,271 26,971 27,390 28,938 30,095 31,784
8,025 7,862 7,953 7,746 7,619 7,807 7,573 7,753 8,080 8,600 8,550 8,771 8,848 8,567 8,583 8,229 8,275 9,045 9,204 9,258 8,568
28,162 26,721 26,751 25,981 25,730 25,122 25,354 27,569 28,013 27,532 26,851 28,704 28,657 29,199 29,298 29,411 29,939 30,865 30,477 30,116 29,956
212,708 206,977 207,250 204,015 203,114 202,346 202,613 203,819 206,460 205,074 206,397 208,867 211,534 214,271 218,902 223,583 223,818 228,106 235,306 234,899 239,689
176,084 171,877 173,017 169,232 167,209 167,053 167,481 168,637 171,113 169,441 170,917 171,189 172,013 172,979 177,724 183,458 185,076 188,731 194,295 195,187 200,386
12,223 10,797 10,487 10,987 11,025 10,484 9,931 9,508 9,191 8,256 7,818 6,469 5,631 4,872 4,510 3,863 2,751 1,664 1,561 1,518 1,306
10,683 9,356 8,908 9,445 9,313 8,764 8,169 7,668 7,184 6,065 5,610 4,225 3,335 2,641 2,382 1,935 1,636 1,281 1,170 1,175 1,023
3,447 2,967 2,858 2,673 2,911 2,862 2,748 2,842 2,709 2,527 2,385 2,181 1,966 1,848 1,643 1,427 1,081 696 636 542 479
3,108 2,644 2,475 2,373 2,544 2,444 2,313 2,384 2,112 1,796 1,686 1,422 1,136 969 871 690 629 575 512 424 390
11,793 10,566 10,286 10,677 10,805 10,212 9,661 9,298 8,955 8,201 7,688 6,358 5,491 5,000 4,484 3,824 2,750 1,668 1,576 1,496 1,280
10,323 9,142 8,710 9,130 8,987 8,420 7,802 7,362 6,779 5,962 5,403 3,993 3,153 2,651 2,348 1,894 1,611 1,278 1,180 1,139 990
5.7% 5.2% 5.1% 5.4% 5.4% 5.2% 4.9% 4.7% 4.5% 4.0% 3.8% 3.1% 2.7% 2.3% 2.1% 1.7% 1.2% 0.7% 0.7% 0.6% 0.5%
1.6% 1.4% 1.4% 1.3% 1.4% 1.4% 1.4% 1.4% 1.3% 1.2% 1.2% 1.0% 0.9% 0.9% 0.8% 0.6% 0.5% 0.3% 0.3% 0.2% 0.2%
28.2% 27.5% 27.2% 24.3% 26.4% 27.3% 27.7% 29.9% 29.5% 30.6% 30.5% 33.7% 34.9% 37.9% 36.4% 36.9% 39.3% 41.8% 40.8% 35.7% 36.7%
96.5% 97.9% 98.1% 97.2% 98.0% 97.4% 97.3% 97.8% 97.4% 99.3% 98.3% 98.3% 97.5% 102.6% 99.4% 99.0% 100.0% 100.2% 101.0% 98.5% 98.0%

171 170 169 167 166 164 164 164 164 164 166 164 163 162 164 161 160 159 159 153 151

Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
83,427 85,155 86,546 87,742 87,877 87,969 90,024 89,358 91,232 92,424 94,369 94,697 95,228 98,317 100,580 102,327 104,693 107,480 107,637 109,698 111,262
66,115 67,941 67,231 69,337 71,037 71,539 73,286 74,242 75,769 76,382 76,773 78,443 80,141 81,198 82,940 84,320 87,273 89,528 91,388 90,666 91,770
33,086 33,121 32,750 33,804 35,160 35,170 35,430 35,640 36,584 37,066 37,655 38,927 39,690 40,079 40,619 41,298 42,349 44,370 45,529 46,706 47,649
22,889 24,178 25,008 24,572 24,759 24,899 23,491 22,067 22,025 22,004 21,415 20,216 19,238 18,972 18,720 18,477 17,626 18,771 18,693 18,161 18,301
46,799 48,015 49,282 49,232 47,747 49,539 50,365 50,322 48,279 49,265 51,109 49,593 47,385 47,576 47,114 45,657 43,342 43,719 42,063 41,309 40,329
9,320 10,049 9,444 9,534 9,450 9,751 8,786 8,985 10,267 10,370 10,527 11,008 11,464 11,431 11,345 11,631 11,692 12,311 12,663 13,104 13,165
34,613 36,238 37,667 35,983 35,770 35,542 36,038 36,812 37,941 38,926 39,260 37,532 36,625 37,103 37,016 35,508 35,458 37,118 37,769 36,897 36,511
296,249 304,697 307,926 310,205 311,801 314,409 317,420 317,426 322,097 326,436 331,108 330,416 329,771 334,675 338,333 339,216 342,432 353,298 355,741 356,541 358,986
249,761 260,276 261,172 264,181 265,280 270,099 272,059 274,240 279,967 281,677 286,768 285,545 284,748 288,379 292,299 291,627 294,568 303,250 308,858 309,939 312,847
74,938 76,724 77,973 78,877 78,844 78,771 79,906 80,306 81,139 82,906 84,107 84,487 85,619 87,868 89,404 90,813 92,655 94,974 94,378 95,566 97,078
57,555 58,966 59,017 60,725 61,502 63,131 63,712 65,378 66,652 67,536 66,621 69,839 71,239 73,090 72,181 74,665 76,528 80,064 80,184 79,465 80,062
29,373 29,233 29,005 29,929 31,097 31,052 30,982 30,968 31,945 32,527 33,506 34,029 35,386 35,741 35,761 36,269 37,289 39,134 40,529 41,458 41,104
15,794 16,665 17,180 17,153 17,009 17,751 16,485 15,666 15,411 15,327 15,029 14,076 13,648 13,764 13,613 13,397 12,642 13,490 13,332 13,401 13,161
32,989 34,503 35,398 36,391 34,787 36,728 37,752 37,722 35,934 36,343 37,723 37,313 35,364 35,737 35,662 34,956 33,896 34,528 33,142 32,659 32,369
8,513 9,251 8,614 8,829 8,651 8,880 8,065 8,031 9,081 9,281 9,293 9,706 9,991 9,915 9,949 10,255 10,225 10,515 11,062 11,614 11,563
26,796 28,406 29,622 29,135 28,470 28,992 28,314 29,196 30,336 30,635 29,729 28,872 29,427 29,674 28,831 27,157 26,778 28,857 28,546 28,365 27,620
245,958 253,748 256,808 261,038 260,360 265,305 265,216 267,266 270,496 274,554 276,008 278,322 280,674 285,789 285,401 287,512 290,012 301,562 301,173 302,528 302,956
205,861 215,481 216,761 221,703 220,684 227,292 226,008 229,879 234,249 236,204 238,264 239,937 241,799 246,005 245,100 246,926 248,864 257,892 259,899 261,934 262,954
1,320 1,043 991 896 941 808 719 650 598 565 590 591 562 518 510 465 478 580 603 613 574
1,068 841 776 722 720 626 533 490 402 381 423 447 433 396 383 382 389 494 517 536 505
505 401 402 378 352 339 311 279 262 250 260 228 239 227 201 202 207 217 218 207 198
421 332 338 333 292 283 254 229 206 194 215 197 208 193 174 178 182 193 189 183 179
1,202 945 964 855 890 769 668 607 567 532 570 550 521 499 486 451 459 576 584 567 552
945 740 749 678 673 583 503 467 402 369 426 418 405 380 363 373 374 495 496 495 484
0.5% 0.4% 0.4% 0.3% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
38.2% 38.4% 40.5% 42.2% 37.4% 41.9% 43.3% 42.9% 43.8% 44.2% 44.1% 38.6% 42.5% 43.8% 39.3% 43.3% 43.3% 37.4% 36.3% 33.8% 34.5%
91.0% 90.6% 97.3% 95.4% 94.6% 95.2% 92.9% 93.4% 94.8% 94.1% 96.5% 93.0% 92.7% 96.4% 95.2% 97.0% 96.0% 99.4% 96.9% 92.6% 96.2%

148 148 146 145 144 140 139 140 141 140 136 136 137 138 139 142 140 139 138 138 139

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
111,064 112,047 115,595 118,120 121,553 123,087 123,740 123,538 122,862 123,006 124,125 122,205
91,579 93,472 96,124 97,872 100,277 101,293 100,220 102,586 106,936 106,764 107,580 108,817
49,795 52,505 54,282 58,489 59,531 63,410 65,675 68,971 72,282 72,857 75,343 77,971
18,668 18,585 20,342 22,144 22,536 23,347 23,873 23,647 24,833 25,336 24,818 24,719
44,151 45,049 45,705 47,138 48,113 49,382 50,158 51,188 51,131 51,314 50,610 50,322
13,081 12,987 13,066 12,909 13,504 14,063 14,139 14,599 15,125 14,715 14,468 14,804
34,154 34,845 35,830 35,382 37,101 39,067 39,238 41,692 44,158 45,904 45,336 46,993
362,491 369,489 380,943 392,055 402,615 413,648 417,043 426,220 437,327 439,894 442,280 445,831
316,205 322,402 331,333 342,319 353,772 365,268 369,395 375,410 388,106 392,615 395,805 399,909
100,216 101,902 105,231 107,770 110,578 111,993 112,831 112,694 114,825 114,353 115,919 114,373
81,811 82,803 84,995 85,108 89,396 89,873 89,803 92,255 99,432 98,939 100,929 101,692
43,741 46,315 48,633 51,512 53,131 55,758 57,947 61,134 66,568 67,420 69,828 72,348
13,296 13,067 13,052 14,313 15,053 16,013 16,758 17,137 23,629 24,133 23,607 23,391
36,940 37,762 37,899 38,911 39,654 40,403 40,966 42,109 46,413 46,640 46,323 47,392
11,728 11,703 11,851 11,588 12,349 12,820 12,827 13,119 14,235 14,095 13,795 14,170
25,580 27,209 27,545 27,257 29,195 30,460 30,896 33,061 38,568 39,932 40,333 41,375
313,311 320,760 329,205 336,459 349,355 357,322 362,028 371,509 403,669 405,511 410,734 414,740
272,695 279,319 285,541 293,469 306,379 314,641 319,929 326,588 356,087 359,849 365,791 370,186
599 591 507 493

523 512 425 381
211 208 158 153

184 180 129 115
608 610 504 487

530 530 433 380
0.2% 0.2% 0.2% 0.1%

0.1% 0.1% 0.0% 0.0%
35.3% 35.2% 31.2% 31.0%
101.5% 103.3% 99.3% 98.8%
1,855 1,793 1,679 1,851 2,040 2,075 2,846 3,003

1,678 1,626 1,527 1,696 1,866 1,948 2,535 2,472
245 235 213 224 252 217 270 308

190 176 172 178 198 197 236 238
2,159 2,105 1,984 2,160 2,423 2,601 3,357 3,536

1,941 1,914 1,814 1,990 2,232 2,445 2,964 2,926
0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.7% 0.7%

0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%

13.2% 13.1% 12.7% 12.1% 12.3% 10.5% 9.5% 10.3%
116.4% 117.4% 118.1% 116.7% 118.8% 125.3% 117.9% 117.8%
137 133 132 132 133 131 130 129 128 128 129 129

Table 1b ADIs' residential property exposures
($ million, Level 2)
Quarter end
Loans to households and self-managed superannuation funds (SMSFs), secured Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
by residential property in Australia
Credit limits
Total credit limits (including redrawable amounts) 2,036,949 2,045,184 2,056,332 2,064,303 2,084,789 2,098,271 2,113,841 2,145,060 2,171,733 2,210,159 2,243,538 2,285,341 2,317,972 2,364,797 2,385,446 2,418,186 2,440,508 2,463,664 2,481,344 2,508,304
Term loans - by purpose 1,918,213 1,930,381 1,945,089 1,961,479 1,979,423 1,996,099 2,018,351 2,051,458 2,082,177 2,122,968 2,159,566 2,203,339 2,238,010 2,284,515 2,309,603 2,344,450 2,368,558 2,393,581 2,413,537 2,442,843
Owner-occupied 1,229,494 1,238,591 1,216,577 1,234,670 1,253,733 1,273,710 1,299,590 1,330,831 1,385,733 1,422,870 1,455,498 1,485,792 1,510,587 1,543,364 1,564,213 1,590,886 1,609,581 1,627,095 1,640,667 1,663,794
Investment 635,951 634,534 668,436 667,541 667,169 664,736 661,779 664,456 641,029 644,565 649,598 664,123 673,893 687,030 691,500 699,408 705,487 712,984 719,023 726,146
Non-housing 52,768 57,255 60,077 59,268 58,521 57,653 56,982 56,172 55,416 55,534 54,469 53,423 53,530 54,121 53,890 54,157 53,490 53,501 53,847 52,904
Revolving credits 118,736 114,804 111,243 102,824 105,366 102,172 95,490 93,601 89,556 87,190 83,972 82,003 79,963 80,282 75,843 73,736 71,951 70,083 67,807 65,461
Balances in offset accounts 162,324 158,624 166,101 171,222 173,956 178,204 194,598 202,079 199,764 196,511 214,572 222,947 228,047 225,711 238,774 244,050 246,241 239,960 257,197 265,447
Credit outstanding
Total credit oustanding 1,790,107 1,802,156 1,807,853 1,821,596 1,835,172 1,847,554 1,856,053 1,878,523 1,900,546 1,934,651 1,961,982 2,000,551 2,033,041 2,076,103 2,090,709 2,120,502 2,141,467 2,170,058 2,185,564 2,210,723
Owner-occupied 1,094,698 1,104,666 1,083,419 1,101,169 1,117,780 1,135,385 1,153,051 1,177,560 1,221,408 1,254,895 1,282,788 1,311,174 1,335,525 1,366,270 1,381,197 1,406,206 1,423,966 1,445,005 1,457,002 1,478,498
Investment 588,635 587,733 616,092 615,540 614,604 612,565 608,350 609,640 589,884 592,080 595,288 608,062 617,247 629,233 631,717 637,939 642,742 650,504 655,936 662,092
Non-housing 44,831 48,797 50,966 50,210 49,588 48,752 47,781 46,926 46,206 45,778 45,186 44,190 44,276 44,842 44,486 44,645 44,083 44,337 44,531 43,677
Reverse mortgages 2,701 2,675 2,642 2,594 2,550 2,508 2,463 2,418 2,374 2,340 2,291 2,246 2,208 2,168 2,153 2,133 2,128 2,099 2,101 2,090
Credit outstanding - term loans - selected characteristics

Interest-only 405,130 378,356 353,424 329,897 310,507 291,256 275,825 265,925 257,728 245,739 236,400 228,965 225,042 226,672 228,127 231,846 234,321 237,132 237,864 237,791
Owner-occupied 133,773 119,630 111,803 101,575 92,768 83,549 76,591 72,578 67,386 62,991 57,861 52,154 48,160 47,044 46,216 46,283 45,903 45,643 45,306 44,529
Investment 258,686 245,811 228,320 215,969 206,064 196,639 188,867 183,493 180,953 173,912 170,112 168,847 168,968 171,646 173,792 177,263 180,030 182,925 183,897 184,517
Non-housing 12,671 12,915 13,301 12,353 11,675 11,068 10,367 9,855 9,388 8,836 8,427 7,964 7,915 7,982 8,119 8,300 8,388 8,564 8,662 8,745
Funded ≤ 3 years ago 984,907 971,750 962,722 960,259 958,788 961,715 962,791 980,325 1,000,713 1,040,460 1,088,141 1,144,368 1,192,284 1,246,513 1,280,430 1,316,804 1,343,313 1,375,890 1,395,866 1,411,587
Funded > 3 years and ≤ 5 years ago 349,471 362,566 368,153 374,182 378,196 376,836 374,613 369,298 364,134 352,518 337,532 320,741 307,192 292,611 278,078 272,489 267,028 266,127 268,207 281,615
Funded > 5 years ago 393,787 406,881 419,604 432,478 444,988 458,153 471,779 484,504 492,650 499,776 497,589 498,317 497,573 501,222 498,892 499,500 500,451 497,828 493,396 491,065
Term loans by loan-to-valuation ratio (LVR)

LVR < 60% 467,828 474,493 478,895 484,274 491,265 490,310 495,801 500,607 506,064 514,760 524,818 539,948 556,865 579,675 603,311 610,665 617,055 641,071 656,564 677,251
60% ≤ LVR < 80% 859,293 873,653 881,861 892,251 902,847 905,105 915,557 928,809 944,506 964,667 985,724 1,007,614 1,028,908 1,052,134 1,055,595 1,073,234 1,091,277 1,107,662 1,110,226 1,112,581
80% ≤ LVR < 90% 301,773 296,689 296,164 298,042 297,392 304,784 307,428 312,343 314,391 319,468 321,005 324,229 322,903 322,507 316,195 321,378 319,981 311,500 309,422 310,202
90% ≤ LVR < 95% 71,903 69,710 68,030 67,497 66,248 69,782 70,411 72,686 73,420 74,610 73,514 73,401 70,679 68,223 65,457 64,917 64,197 57,989 58,031 58,594
LVR ≥ 95% 26,760 26,048 25,044 24,393 23,728 26,228 19,290 18,958 18,326 18,297 17,394 17,359 16,834 16,927 15,863 17,604 17,271 21,488 22,843 25,236
LVR not reported 607 604 483 461 493 493 696 723 791 952 806 875 859 878 980 993 1,011 136 383 403
Owner-occupied term loans by LVR

LVR < 60% 298,225 302,783 297,075 301,429 307,205 308,519 311,392 315,742 327,056 334,692 342,826 353,441 365,871 383,168 401,281 407,555 414,315 431,047 441,831 456,411
60% ≤ LVR < 80% 535,590 545,887 537,011 546,893 556,567 562,390 572,816 584,726 608,236 626,191 644,638 659,652 675,719 696,343 701,516 716,652 730,357 738,525 742,069 748,099
80% ≤ LVR < 90% 191,817 188,378 185,170 188,538 190,249 196,397 201,203 206,676 213,746 219,764 222,365 225,039 223,586 222,105 216,750 219,798 217,991 213,569 211,286 210,755
90% ≤ LVR < 95% 52,749 51,688 49,493 49,878 49,627 52,704 54,980 57,929 60,277 62,070 61,603 61,654 59,437 53,959 51,502 50,718 49,722 47,699 47,297 47,241
LVR ≥ 95% 15,953 15,561 14,436 14,211 13,920 15,153 12,359 12,173 11,726 * 10,958 10,938 10,469 * 9,716 11,025 11,105 * * 15,922
LVR not reported 365 370 233 219 212 223 301 314 367 * 397 451 443 * 433 459 478 * * 70
Investment term loans by LVR

LVR < 60% 150,955 152,434 161,016 162,117 163,369 161,557 165,033 165,732 160,300 161,310 163,282 168,143 172,417 178,026 183,731 184,607 185,019 190,791 194,198 200,406
60% ≤ LVR < 80% 303,586 306,210 323,285 324,110 325,314 322,119 322,145 323,880 315,494 317,754 320,446 327,535 332,631 335,231 333,721 336,279 340,732 348,619 348,172 345,107
80% ≤ LVR < 90% 105,585 102,197 104,888 103,641 101,513 102,668 100,561 100,130 95,417 94,810 93,931 94,739 94,998 95,930 94,886 97,002 97,187 94,249 95,183 96,649
90% ≤ LVR < 95% 18,216 16,913 16,720 15,898 14,987 15,415 13,805 13,179 12,193 11,726 11,301 11,302 10,952 13,602 13,326 13,605 13,732 9,812 10,415 11,053
LVR ≥ 95% 10,117 9,806 10,002 9,607 9,253 10,609 6,486 6,387 6,155 * 6,024 6,023 5,936 6,054 5,641 6,040 5,665 * * 8,825
LVR not reported 176 174 183 167 169 198 320 331 324 * 305 321 314 391 411 407 407 * * 51
Credit outstanding - selected characteristics
Third party originated 880,738 888,466 894,887 907,141 916,760 927,432 932,526 950,161 966,266 987,598 1,010,397 1,041,579 1,066,329 1,098,808 1,116,542 1,142,523 1,160,849 1,184,837 1,204,617 1,228,762
Low documentation 16,933 16,260 14,970 12,847 12,331 11,746 11,147 10,549 10,080 9,414 8,807 8,283 7,665 7,346 6,717 6,355 6,071 5,722 5,402 5,138
Loans to non-residents 24,443 24,078 22,594 22,065 21,661 21,249 20,305 20,183 19,545 19,258 18,961 18,504 18,105 18,172 17,266 16,657 16,207 15,780 15,417 14,953
Loans to SMSFs 11,150 10,986 10,726 10,463 10,220 9,982 9,735 9,463 9,170 8,820 8,453 7,947 7,473 7,014 6,556 6,153 5,739 5,280 4,831 4,440
Loans for units or apartments 283,534 287,906 289,473 291,176 293,022 292,865 296,466 297,025 334,269 341,866 343,927 347,201 349,157 352,028 347,305 348,378 351,188 352,329 350,318 351,479
Loan performance - credit outstanding
Loans 30-89 days past due 14,087 13,869 11,902 12,762 14,908 13,859 9,027 10,673 10,537 9,946 9,178 8,433 8,948 8,104 7,102 8,893 10,441 11,029 11,737 13,280
Non-performing loans 15,611 16,786 16,631 16,333 17,184 20,456 19,643 19,030 19,858 19,633 17,858 16,463 16,575 16,296 14,894 14,324 15,416 16,560 17,578 18,879
Term loans 14,799 15,924 16,018 15,760 16,597 19,706 18,851 18,173 19,104 18,933 17,264 15,926 15,954 15,621 14,243 13,636 14,667 15,746 16,731 18,055
Owner-occupied 9,642 10,327 9,997 9,925 10,518 12,392 11,803 11,475 12,260 12,275 11,195 10,347 10,551 10,464 9,610 9,184 9,867 10,773 11,524 12,635
Investment 4,753 5,128 5,486 5,305 5,495 6,665 6,450 6,172 6,292 6,134 5,613 5,167 4,962 4,712 4,233 4,056 4,399 4,562 4,789 4,993
Non-housing purposes 405 469 535 529 584 650 597 527 552 524 456 411 441 445 400 395 401 412 417 428
Revolving credits 812 863 613 573 587 749 792 857 754 700 594 537 620 674 651 689 749 814 847 824
Non-performing loans - selected characteristics

Interest-only and owner-occupied 1,086 1,034 994 836 761 896 818 698 668 621 509 409 319 260 235 195 230 276 277 352
Interest-only and investor 1,409 1,410 1,331 1,160 1,055 1,192 1,049 925 964 891 734 633 517 438 366 336 425 489 572 641
Low documentation 458 456 401 350 346 397 368 376 351 296 257 232 226 219 192 189 182 184 175 165
Loans to non-residents 282 300 309 287 298 438 434 478 501 493 483 497 471 457 400 395 413 408 402 376
Loans to SMSFs 54 58 124 117 125 139 132 98 102 94 88 85 88 89 79 80 90 91 85 83
Mortgagee in possession 705 744 739 696 635 509 347 258 245 268 309 304 306 303 316 335 294 267 256 261
New non-performing loans during the quarter 4,564 4,953 4,764 4,206 4,841 6,816 3,672 3,980 4,887 4,239 3,263 2,779 3,165 3,063 2,395 2,687 3,758 4,161 4,366 4,821
Non-performing term loans by LVR
LVR < 60% 2,222 2,432 2,464 2,461 2,617 3,082 3,125 3,001 3,169 3,267 3,113 2,978 3,060 3,097 3,001 2,847 2,992 3,201 3,357 3,647
60% ≤ LVR < 80% 5,366 5,960 6,032 6,010 6,488 7,718 7,553 7,415 7,991 7,821 7,140 6,671 6,783 6,768 6,128 5,814 6,111 6,649 6,973 7,449
80% ≤ LVR < 90% 4,024 4,219 4,311 4,162 4,328 5,140 4,961 4,766 5,020 4,973 4,420 3,908 3,863 3,662 3,250 3,143 3,440 3,695 4,011 4,364
90% ≤ LVR < 95% 1,428 1,514 1,442 1,404 1,403 1,593 1,456 1,414 1,418 1,368 1,241 1,133 1,097 1,032 929 897 1,005 1,061 1,165 1,208
LVR ≥ 95% 1,740 1,776 1,746 1,697 1,736 2,127 1,708 1,541 1,481 1,481 1,328 1,212 1,124 1,035 910 914 1,075 1,137 1,222 *
LVR not reported 19 23 22 26 25 46 48 36 25 23 21 24 28 27 25 21 44 4 3 *
Number of entities 93 93 94 92 91 90 90 90 88 85 84 83 83 82 80 81 79 80 80 80

Table 1c ADIs' new housing loans funded
(Level 2)
Quarter end
Loans to households and self-managed superannuation funds (SMSFs) funded Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
during the quarter, secured by residential property in Australia
New loans funded - total committed amount ($ millions)
New loans funded 79,074 86,848 95,351 106,556 94,588 111,133 113,281 128,126 127,173 155,918 167,834 170,974 145,078 159,647 150,981
Term loans 78,114 86,043 94,492 105,866 93,882 110,369 112,449 127,301 126,530 155,109 166,838 170,032 144,310 158,924 150,466
Owner-occupied 54,155 58,641 63,986 71,920 64,270 76,189 78,176 88,884 88,501 109,481 115,036 115,214 97,065 106,837 102,433
Investment 22,714 25,923 28,555 31,987 27,879 32,147 32,364 36,373 36,164 43,058 48,897 51,723 44,521 48,866 44,904
Non-housing 1,245 1,478 1,950 1,959 1,733 2,032 1,909 2,045 1,865 2,570 2,905 3,095 2,724 3,221 3,128
Revolving credits 960 805 859 689 707 765 831 824 643 809 997 942 769 722 515
New loans funded - selected characteristics

Externally refinanced 28,761 30,502 36,178 37,771 35,442 47,208 43,869 44,834 43,679 55,568 65,920 62,549 51,766 60,064 64,758
Loans to SMSFs 102 106 55 69 27 39 39 25 35 28 * * * * *
Loans to non-residents 841 572 422 659 513 603 529 580 431 709 703 612 537 577 450
Loans for units and apartments 9,661 10,857 12,577 14,470 12,354 15,479 15,482 17,329 17,542 22,662 23,797 23,317 18,566 21,126 19,927
Exceptions to serviceability policy 1,816 2,336 2,169 2,850 2,042 2,168 2,116 2,191 2,803 3,552 4,238 5,506 4,672 4,955 4,490
Serviceability verification waivers 1,596 1,795 1,727 1,929 1,988 1,878 1,942 1,924 2,161 2,537 3,073 3,537 3,519 3,551 3,813
Term loans funded - selected characteristics

Third party originated 38,268 43,042 48,298 54,325 47,951 58,466 62,841 69,550 68,265 84,432 97,393 98,465 83,428 93,932 91,235
Interest-only 15,241 17,649 17,393 18,749 17,039 20,080 21,016 24,675 24,646 28,512 31,621 32,791 27,668 31,815 29,433
Owner-occupied 6,058 6,583 6,496 6,899 6,327 6,477 8,293 11,053 11,700 11,898 11,465 11,404 9,805 11,642 10,668
Investment 8,909 10,692 10,389 11,326 10,250 12,920 12,180 13,061 12,498 15,921 19,372 20,437 17,111 19,258 17,815
Non-housing purposes 274 374 508 524 462 682 542 561 448 693 784 951 752 915 950
Owner-occupied and investor loans

Loan-to-income ≥ 4x < 6x 20,890 23,127 25,462 28,941 25,857 27,283 29,425 35,853 36,295 47,109 50,157 51,146 44,079 48,219 43,496
Loan-to-income ≥ 6x 3,765 4,077 5,182 6,348 5,667 6,211 6,654 8,762 10,202 15,214 16,886 18,367 14,534 15,734 10,520
Debt-to-income ≥ 4x < 6x 33,020 36,905 39,608 44,828 39,951 44,051 46,951 54,120 55,173 68,125 73,167 73,876 64,446 71,828 71,142
Debt-to-income ≥ 6x 11,397 12,311 13,958 17,061 15,064 17,380 18,065 21,644 23,621 33,335 38,181 40,611 32,745 34,471 25,162

LVR < 60% 16,739 18,135 19,718 21,121 18,898 21,876 21,744 23,165 23,582 30,300 34,997 37,238 33,730 40,670 40,373
60% ≤ LVR < 80% 32,958 36,063 39,228 43,932 38,901 47,447 45,821 50,688 50,851 64,608 70,781 70,399 60,919 67,209 63,553
80% ≤ LVR < 90% 21,243 24,064 26,722 30,699 26,759 30,921 33,191 39,018 38,947 46,827 48,549 49,007 39,156 40,893 37,282
90% ≤ LVR < 95% 6,000 6,642 7,432 8,478 7,612 8,391 9,818 12,357 11,514 11,712 10,586 11,240 8,891 8,536 7,349
LVR ≥ 95% 1,174 1,140 1,392 1,636 1,711 1,733 1,875 2,074 1,635 1,661 1,926 2,149 1,615 1,616 1,908

LVR < 60% 11,442 12,090 13,167 13,994 12,495 14,399 14,339 15,136 15,609 20,438 23,331 24,672 22,478 27,666 27,992
60% ≤ LVR < 80% 21,435 23,076 25,129 28,046 25,331 31,290 29,989 33,145 33,693 43,296 46,671 45,409 39,706 43,836 42,102
80% ≤ LVR < 90% 14,782 16,463 18,206 21,257 18,441 21,689 23,634 28,057 27,994 33,869 33,963 33,339 25,671 26,452 24,152
90% ≤ LVR < 95% 5,489 6,030 6,381 7,305 6,504 7,315 8,596 10,748 9,810 10,437 9,413 9,939 7,834 7,474 6,482
LVR ≥ 95% 1,006 983 1,103 1,319 1,499 1,496 1,618 1,799 1,394 1,441 1,656 1,855 1,377 1,411 1,704

LVR < 60% 4,809 5,479 5,915 6,499 5,837 6,772 6,736 7,373 7,385 9,023 10,736 11,542 10,363 11,921 11,336
60% ≤ LVR < 80% 10,984 12,356 13,079 14,854 12,887 15,374 15,095 16,692 16,388 20,217 22,898 23,646 20,074 21,982 20,185
80% ≤ LVR < 90% 6,287 7,371 8,271 9,199 7,877 8,738 9,084 10,464 10,498 12,365 13,860 14,989 12,830 13,736 12,341
90% ≤ LVR < 95% 487 585 1,024 1,141 1,084 1,050 1,205 1,587 1,676 1,245 1,149 1,269 1,032 1,042 853
LVR ≥ 95% 148 134 266 295 195 214 245 258 217 209 254 278 221 185 190
Interest rates for new loans funded per cent

Weighted average variable rate of new loans funded 4.2 3.9 3.6 3.4 3.1 3.0 3.0 2.9 2.8 2.8 2.7 2.6 2.5 3.1 4.4
Weighted average assessment rate used for serviceability 7.3 7.3 6.6 6.1 5.9 5.8 5.7 5.5 5.4 5.4 5.4 5.6 5.7 6.0 7.1
Number of entities 93 93 94 92 91 90 90 90 88 85 84 83 83 82 80

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
150,168 132,751 151,030 150,946 152,529

149,669 132,287 150,598 150,554 152,163
101,383 89,666 99,991 99,541 99,818
45,231 40,035 47,609 47,965 49,376
3,056 2,586 2,999 3,048 2,970
499 464 432 392 366
66,944 63,391 70,926 71,598 54,001

* * * * *
391 365 452 495 470
20,706 19,001 22,642 23,933 22,965
4,662 3,764 4,157 6,714 7,293
3,857 3,401 4,442 4,144 4,468
89,791 78,134 89,898 92,604 93,549

28,810 24,461 28,107 27,611 29,206
10,139 8,287 8,567 8,497 8,957
17,767 15,506 18,690 18,292 19,408
905 668 850 823 841
42,515 34,540 36,212 34,426 35,211

6,586 4,199 4,091 4,265 4,778
72,488 62,431 67,819 66,459 67,502
16,134 9,752 9,003 8,349 8,325
40,418 37,064 42,655 43,019 40,525

63,437 56,869 63,558 64,259 63,785
36,952 30,828 36,574 36,090 38,729
6,829 5,680 5,945 5,489 6,567
2,034 1,847 1,866 1,698 2,558
27,967 25,811 29,391 29,546 26,842

41,784 37,534 41,146 41,909 41,153
23,849 19,776 22,825 22,019 24,198
5,969 4,889 4,990 4,559 5,381
1,815 1,657 1,638 1,509 2,243

11,431 10,355 12,312 12,499 12,397
20,490 18,399 21,390 21,367 21,381
12,260 10,322 12,743 12,996 14,128
845 775 947 918 1,168
205 183 217 184 301
5.1 5.5 6.0 6.1 6.3

7.9 8.3 8.8 9.0 9.2
81 79 80 80 80

Mar 2004 Sep 2004 Mar 2005 Sep 2005 Mar 2006 Sep 2006 Mar 2007 Sep 2007 Mar 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010

Office 30,192 32,971 34,407 38,815 39,870 44,675 49,948 59,703 67,597 71,056 73,113 73,544 73,478 73,880 68,351 65,079
Retail 22,589 26,853 28,418 27,335 29,780 33,376 34,657 38,405 43,171 48,030 51,421 52,698 49,749 49,852 50,705 49,875
Industrial 10,465 12,297 13,522 15,672 17,064 19,121 20,886 26,238 28,098 29,616 31,012 31,981 32,220 31,810 30,311 29,004
Land development/subdivisions 13,179 13,688 15,409 16,750 18,740 22,432 23,432 25,293 27,765 28,882 27,298 26,949 26,881 25,395 22,016 21,588
Other residential 23,779 30,227 29,580 31,149 32,000 34,247 35,874 40,761 42,096 46,148 48,208 46,363 44,352 42,152 39,668 37,024
Tourism and leisure 4,664 5,220 5,170 5,819 6,768 7,904 8,479 9,942 10,991 10,567 10,761 11,024 10,277 10,558 9,929 8,421
Other 10,129 12,010 13,598 16,377 18,225 19,553 22,504 23,700 27,689 33,469 36,907 42,663 35,694 34,982 34,612 32,982
Total commercial property limits 114,998 133,265 140,103 151,916 162,445 181,307 195,780 224,041 247,407 267,767 278,721 285,221 272,652 268,630 255,593 243,973
of which: Exposure limits in Australia 95,326 107,462 114,165 123,787 130,522 145,778 156,172 180,836 199,914 215,585 223,149 230,550 222,515 219,192 210,611 201,737

Office 26,703 27,978 30,002 33,602 34,040 38,071 42,769 51,121 58,933 62,392 64,492 65,219 64,902 66,180 61,060 58,909
Retail 19,274 21,167 22,541 23,068 25,214 26,967 29,001 32,078 35,375 40,931 44,414 44,474 41,995 42,400 42,644 43,097
Industrial 9,406 10,791 11,834 13,460 14,853 16,117 18,321 23,219 24,239 26,681 28,384 29,250 29,499 29,183 27,931 26,865
Land development/subdivisions 9,645 10,449 11,825 12,724 14,377 16,855 16,639 19,448 22,059 22,597 22,465 22,692 22,449 21,485 18,963 18,631
Other residential 17,093 24,285 24,434 26,035 26,620 27,648 29,039 32,939 33,228 36,877 39,356 39,127 37,761 36,170 33,808 31,650
Tourism and leisure 4,388 4,890 4,936 5,474 6,262 6,704 7,485 8,810 9,710 9,385 9,597 10,098 9,564 9,981 9,500 8,036
Other 8,957 10,566 11,740 13,197 15,367 16,335 19,106 20,578 24,204 30,000 32,530 37,152 30,736 30,325 30,279 28,627
Total commercial property exposures 95,466 110,126 117,310 127,559 136,731 148,697 162,358 188,192 207,748 228,863 241,237 248,012 236,905 235,723 224,186 215,815
of which: Exposures in Australia 76,834 86,517 93,827 102,104 110,117 119,558 130,755 151,836 167,441 184,672 192,777 199,756 192,632 191,709 184,272 178,204
Impaired Commercial property exposures 297 211 148 232 284 270 450 706 2,458 6,490 7,630 9,157 10,181 10,649 10,964 11,714
of which: Exposures in Australia 282 193 136 188 242 234 342 446 2,277 5,798 6,826 7,986 8,738 9,127 9,691 10,267
Specific provisions 48 42 31 33 45 54 48 95 248 1,321 1,727 2,021 2,509 2,709 3,440 3,459
of which: Exposures in Australia 44 38 29 27 37 45 36 57 223 1,181 1,569 1,791 2,066 2,292 3,076 3,050
Specific provisions and security 265 167 119 209 271 261 415 682 911 3,657 5,443 7,053 7,929 8,134 9,616 11,021
of which: Exposures in Australia 249 150 106 173 237 228 311 404 715 2,919 4,561 5,781 6,358 6,561 8,254 9,522
Impaired assets to exposures 0.3% 0.2% 0.1% 0.2% 0.2% 0.2% 0.3% 0.4% 1.2% 2.8% 3.2% 3.7% 4.3% 4.5% 4.9% 5.4%
Specific provisions to exposures 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 0.6% 0.7% 0.8% 1.1% 1.1% 1.5% 1.6%
Specific provisions to impaired exposures 16.1% 19.7% 20.6% 14.2% 15.9% 19.9% 10.7% 13.4% 10.1% 20.4% 22.6% 22.1% 24.6% 25.4% 31.4% 29.5%
Specific provisions and security held to impaired 89.1% 79.2% 80.3% 90.2% 95.5% 96.9% 92.3% 96.6% 37.0% 56.4% 71.3% 77.0% 77.9% 76.4% 87.7% 94.1%
exposures

Specific provisions




Number of entities 52 51 50 52 52 53 53 54 55 56 54 54 52 54 53 53

Table 2a Banks' commercial property exposures
Quarter end
Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015
65,490 65,234 64,015 63,749 63,657 64,489 65,545 66,195 64,758 65,053 65,735 66,926 68,482 71,131 72,684 72,878 75,120 76,114 77,254 78,251 78,168
50,378 50,848 50,011 46,608 46,147 48,055 49,298 49,685 50,952 51,875 52,346 52,434 52,871 52,145 53,033 55,194 59,793 56,580 58,402 60,994 62,418
28,698 27,772 27,024 27,612 27,139 27,089 27,490 27,480 27,138 27,552 27,658 28,424 28,593 28,805 29,740 30,095 30,156 31,675 32,395 32,741 31,589
21,879 21,267 20,568 21,563 21,714 18,210 18,017 17,827 18,405 18,327 18,085 17,101 17,584 16,774 16,563 16,242 16,286 16,631 17,282 18,260 20,653
37,458 35,368 34,879 34,393 33,697 33,966 34,406 33,700 33,232 33,688 33,275 35,027 33,246 33,691 34,091 36,001 36,685 36,918 37,963 40,175 42,400
8,609 8,096 7,943 8,131 7,987 7,844 8,085 7,956 8,177 8,529 9,186 9,148 9,457 9,680 9,656 9,781 9,082 9,104 10,097 10,342 10,317
32,256 31,174 29,302 29,681 28,935 29,057 29,259 30,284 32,501 32,552 32,534 32,500 35,281 34,399 35,390 35,374 37,967 37,566 38,046 37,384 38,921
244,767 239,760 233,741 231,737 229,277 228,709 232,100 233,126 235,163 237,577 238,819 241,560 245,515 246,625 251,156 255,564 265,089 264,588 271,439 278,147 284,466
200,737 200,287 196,293 195,144 191,715 190,371 193,620 193,601 196,103 198,002 198,803 201,730 203,409 202,575 205,199 208,946 219,144 220,680 225,875 231,088 238,891
59,070 58,209 57,882 58,374 57,814 58,664 59,237 59,397 58,783 58,702 58,959 60,130 61,374 63,970 64,549 65,558 67,175 67,614 68,682 70,464 69,936
42,971 44,621 42,982 41,916 41,153 42,345 41,980 42,538 43,489 45,147 44,418 44,753 45,002 45,609 46,596 48,407 52,234 50,121 50,692 53,555 52,960
26,522 25,216 24,269 24,991 24,620 24,704 24,675 24,648 24,168 24,774 24,370 24,766 24,480 25,043 26,116 26,439 26,617 27,908 28,382 28,883 27,647
18,215 17,854 16,954 17,667 17,632 15,304 14,975 14,785 14,822 14,390 14,135 13,422 13,950 13,351 12,904 12,752 12,269 12,650 12,730 13,463 14,585
31,699 29,844 29,533 28,711 28,187 28,067 27,879 27,678 26,616 26,731 26,438 27,365 26,025 25,592 25,875 27,382 27,165 26,866 27,285 28,833 29,989
8,271 7,983 7,820 7,908 7,701 7,596 7,787 7,548 7,727 8,055 8,575 8,526 8,746 8,825 8,544 8,562 8,208 8,252 9,025 9,178 9,233
28,356 27,864 26,423 26,472 25,703 25,598 24,990 25,219 27,435 27,878 27,397 26,725 28,578 28,571 29,113 29,219 29,332 29,864 30,802 30,411 30,050
215,102 211,592 205,864 206,038 202,810 202,276 201,522 201,812 203,041 205,676 204,290 205,686 208,156 210,960 213,697 218,319 223,000 223,274 227,597 234,786 234,401
175,448 174,968 170,764 171,805 168,027 166,371 166,229 166,680 167,858 170,330 168,657 170,207 170,478 171,439 172,405 177,141 182,875 184,532 188,222 193,776 194,689
11,985 12,206 10,780 10,462 10,962 10,994 10,453 9,894 9,470 9,161 8,225 7,813 6,463 5,627 4,869 4,505 3,858 2,748 1,661 1,557 1,515
10,411 10,666 9,338 8,883 9,420 9,282 8,733 8,131 7,631 7,153 6,034 5,604 4,220 3,332 2,638 2,378 1,930 1,633 1,278 1,167 1,172
3,308 3,446 2,965 2,851 2,667 2,903 2,854 2,736 2,829 2,697 2,515 2,382 2,178 1,964 1,845 1,640 1,424 1,078 693 634 539
2,837 3,106 2,642 2,468 2,366 2,536 2,436 2,301 2,372 2,100 1,784 1,682 1,419 1,133 967 868 687 627 573 510 422
11,339 11,780 10,553 10,256 10,648 10,768 10,175 9,615 9,252 8,920 8,167 7,681 6,351 5,486 4,995 4,479 3,819 2,746 1,665 1,573 1,492
9,700 10,310 9,129 8,680 9,100 8,950 8,383 7,757 7,317 6,745 5,928 5,397 3,986 3,149 2,646 2,343 1,889 1,608 1,275 1,177 1,136
5.6% 5.8% 5.2% 5.1% 5.4% 5.4% 5.2% 4.9% 4.7% 4.5% 4.0% 3.8% 3.1% 2.7% 2.3% 2.1% 1.7% 1.2% 0.7% 0.7% 0.6%
1.5% 1.6% 1.4% 1.4% 1.3% 1.4% 1.4% 1.4% 1.4% 1.3% 1.2% 1.2% 1.0% 0.9% 0.9% 0.8% 0.6% 0.5% 0.3% 0.3% 0.2%
27.6% 28.2% 27.5% 27.3% 24.3% 26.4% 27.3% 27.7% 29.9% 29.4% 30.6% 30.5% 33.7% 34.9% 37.9% 36.4% 36.9% 39.2% 41.7% 40.7% 35.6%
94.6% 96.5% 97.9% 98.0% 97.1% 97.9% 97.3% 97.2% 97.7% 97.4% 99.3% 98.3% 98.3% 97.5% 102.6% 99.4% 99.0% 100.0% 100.2% 101.0% 98.5%

53 54 54 54 54 56 58 62 63 63 64 67 67 68 68 70 68 68 70 70 71

d
Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
79,101 83,386 85,113 86,506 87,707 87,842 87,929 89,985 89,320 91,195 92,382 94,327 94,663 95,194 98,285 100,548 102,294 104,665 107,453 107,616 109,686
62,871 66,017 67,856 67,155 69,257 70,956 71,454 73,202 74,148 75,679 76,291 76,683 78,358 80,056 81,127 82,869 84,254 87,219 89,473 91,337 90,613
31,760 33,018 33,037 32,667 33,727 35,084 35,097 35,357 35,566 36,514 36,989 37,577 38,848 39,610 40,008 40,548 41,231 42,291 44,311 45,476 46,646
21,870 22,799 24,086 24,938 24,490 24,676 24,825 23,418 21,969 21,929 21,893 21,304 20,110 19,132 18,846 18,595 18,318 17,520 18,668 18,591 18,076
44,431 46,712 47,941 49,214 49,164 47,680 49,481 50,310 50,247 48,206 49,203 51,049 49,538 47,330 47,512 47,050 45,602 43,315 43,687 42,032 41,283
9,468 9,301 10,032 9,429 9,523 9,439 9,739 8,776 8,971 10,252 10,358 10,515 10,992 11,448 11,419 11,333 11,618 11,683 12,298 12,654 13,097
37,234 34,563 36,187 37,618 35,895 35,683 35,486 35,981 36,749 37,882 38,859 39,194 37,464 36,558 37,036 36,948 35,426 35,394 37,060 37,711 36,842
286,736 295,794 304,253 307,528 309,764 311,360 314,009 317,028 316,970 321,657 325,975 330,650 329,973 329,328 334,233 337,891 338,742 342,086 352,951 355,417 356,244
241,953 249,306 259,838 260,779 263,740 264,839 269,699 271,666 273,784 279,527 281,217 286,310 285,102 284,304 287,936 291,857 291,153 294,222 302,903 308,534 309,642
71,406 74,901 76,685 77,936 78,845 78,812 78,734 79,871 80,271 81,106 82,868 84,070 84,457 85,589 87,840 89,376 90,785 92,631 94,951 94,361 95,558
54,836 57,477 58,897 58,956 60,662 61,438 63,060 63,642 65,299 66,576 67,464 66,550 69,770 71,170 73,033 72,124 74,612 76,487 80,022 80,146 79,425
28,061 29,311 29,156 28,930 29,865 31,033 30,992 30,921 30,906 31,887 32,463 33,441 33,963 35,319 35,685 35,705 36,217 37,245 39,089 40,492 41,413
14,859 15,752 16,595 17,116 17,076 16,932 17,692 16,426 15,599 15,344 15,244 14,946 13,994 13,566 13,668 13,517 13,277 12,559 13,403 13,245 13,338
31,707 32,913 34,433 35,333 36,328 34,724 36,674 37,701 37,658 35,873 36,294 37,674 37,266 35,317 35,681 35,606 34,908 33,873 34,499 33,115 32,636
8,549 8,494 9,235 8,599 8,818 8,640 8,869 8,056 8,018 9,068 9,271 9,283 9,695 9,979 9,905 9,939 10,242 10,216 10,504 11,053 11,608
29,909 26,749 28,358 29,576 29,050 28,385 28,941 28,263 29,137 30,280 30,571 29,666 28,810 29,365 29,611 28,768 27,083 26,722 28,807 28,497 28,313
239,327 245,596 253,359 256,446 260,643 259,964 264,962 264,880 266,888 270,133 274,174 275,629 277,954 280,306 285,423 285,035 287,125 289,732 301,276 300,908 302,291
200,024 205,499 215,098 216,405 221,308 220,289 226,949 225,672 229,500 233,885 235,824 237,886 239,569 241,431 245,639 244,734 246,539 248,584 257,605 259,634 261,697
1,303 1,318 1,040 988 893 938 803 714 648 595 * * * * * * * * 579 602 612
1,020 1,066 838 773 719 717 621 528 487 400 * * * * * * * * 493 516 534
477 503 399 399 375 349 336 309 276 260 249 260 228 238 227 201 201 207 216 218 207
388 418 330 336 330 289 281 251 227 203 194 215 197 207 193 174 178 181 193 188 183
1,277 1,199 938 958 848 884 762 661 603 563 531 569 549 520 499 485 451 459 575 583 566
987 942 734 743 672 666 575 495 463 398 368 425 417 404 380 363 373 374 494 495 494
0.5% 0.5% 0.4% 0.4% 0.3% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
36.6% 38.1% 38.3% 40.4% 42.0% 37.2% 41.9% 43.2% 42.7% 43.6% 44.1% 44.0% 38.7% 42.5% 43.8% 39.3% 43.3% 43.3% 37.4% 36.2% 33.9%
98.0% 91.0% 90.2% 97.0% 95.0% 94.2% 94.9% 92.5% 93.2% 94.5% 94.0% 96.4% 93.0% 92.8% 96.4% 95.2% 97.0% 96.0% 99.3% 96.8% 92.6%

72 72 74 76 82 82 80 81 82 84 86 86 86 88 91 92 96 97 97 98 98

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
111,250 111,047 112,031 115,580 118,105 121,529 123,066 123,718 123,516 122,843 122,987 124,103 122,183
91,717 91,531 93,424 96,077 97,825 100,234 101,250 100,174 102,541 106,904 106,731 107,548 108,785
47,590 49,732 52,444 54,226 58,433 59,475 63,355 65,618 68,914 72,242 72,817 75,296 77,924
18,217 18,572 18,489 20,260 22,062 22,454 23,265 23,776 23,549 24,733 25,237 24,701 24,601
40,303 44,124 45,023 45,678 47,112 48,087 49,356 50,122 51,151 51,087 51,269 50,566 50,278
13,158 13,074 12,980 13,058 12,901 13,495 14,055 14,133 14,592 15,117 14,706 14,457 14,793
36,456 34,104 34,794 35,780 35,333 37,051 39,018 39,186 41,639 44,096 45,842 45,276 46,933
358,689 362,184 369,185 380,659 391,771 402,325 413,365 416,726 425,903 437,022 439,589 441,946 445,496
312,551 315,898 322,097 331,050 342,036 353,482 364,984 369,077 375,093 387,801 392,310 395,471 399,575
97,069 100,204 101,890 105,220 107,759 110,560 111,977 112,815 112,677 114,807 114,335 115,900 114,353
80,022 81,775 82,766 84,960 85,073 89,364 89,842 89,769 92,221 99,406 98,914 100,903 101,665
41,059 43,692 46,266 48,591 51,470 53,089 55,716 57,902 61,089 66,533 67,385 69,787 72,307
13,098 13,230 13,002 * * * * 16,694 17,074 23,560 24,064 23,519 23,303
32,346 36,915 37,737 37,875 38,888 39,629 40,379 40,932 42,075 46,370 46,597 46,283 47,352
11,557 11,721 11,696 * * * * 12,821 13,113 14,227 14,087 13,784 14,158
27,568 25,534 27,163 27,500 27,212 29,150 30,416 30,848 33,012 38,511 39,875 40,278 41,320
302,719 313,071 320,521 328,985 336,239 349,135 357,108 361,780 371,261 403,415 405,257 410,453 414,458
262,717 272,455 279,080 285,321 293,249 306,159 314,427 319,682 326,340 355,834 359,595 365,510 369,905
573 599 591 507 493

504 523 512 425 381
198 211 208 158 153

179 184 180 129 115
551 608 610 504 487

482 530 530 433 380
0.2% 0.2% 0.2% 0.2% 0.1%

0.1% 0.1% 0.1% 0.0% 0.0%
34.6% 35.3% 35.2% 31.2% 31.0%
96.2% 101.5% 103.3% 99.3% 98.8%
1,855 1,793 1,679 1,851 2,040 2,075 2,846 3,003

1,678 1,626 1,527 1,696 1,866 1,948 2,535 2,472
245 235 213 224 252 217 270 308

190 176 172 178 198 197 236 238
2,159 2,105 1,984 2,160 2,423 2,601 3,357 3,536

1,941 1,914 1,814 1,990 2,232 2,445 2,964 2,926
0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.7% 0.7%

0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%

13.2% 13.1% 12.7% 12.1% 12.3% 10.5% 9.5% 10.3%
116.4% 117.4% 118.1% 116.7% 118.8% 125.3% 117.9% 117.8%
99 98 96 95 96 97 96 95 94 95 95 96 96

Table 2b Banks' residential property exposures
Quarter end
Loans to households and self-managed superannuation funds (SMSFs), secured Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Credit limits
Total credit limits (including redrawable amounts) 1,993,749 2,001,567 2,013,541 2,023,523 2,044,023 2,059,690 2,074,673 2,105,370 2,131,523 2,168,357 2,202,193 2,243,410 2,274,806 2,320,751 2,340,409
Term loans - by purpose 1,876,332 1,888,049 1,903,559 1,921,817 1,939,717 1,958,461 1,980,063 2,012,593 2,042,759 2,081,929 2,118,957 2,162,110 2,195,526 2,241,127 2,265,202
Owner-occupied 1,197,164 1,205,912 1,184,614 1,204,026 1,223,027 1,244,585 1,269,911 1,300,652 1,355,081 1,391,468 1,423,823 1,453,727 1,477,619 1,509,753 1,529,885
Investment 627,188 625,652 659,616 659,259 658,894 656,933 653,879 656,486 632,980 636,357 641,424 655,722 665,132 677,993 682,155
Non-housing 51,980 56,486 59,328 58,532 57,796 56,943 56,273 55,455 54,699 54,104 53,711 52,661 52,775 53,381 53,162
Revolving credits 117,417 113,518 109,982 101,707 104,306 101,229 94,610 92,777 88,763 86,428 83,236 81,300 79,280 79,624 75,207
Balances in offset accounts 159,978 156,278 163,673 168,852 171,623 175,919 192,108 199,552 197,202 193,948 211,875 220,172 225,159 222,813 235,704
Credit outstanding
Total credit oustanding 1,751,167 1,762,718 1,769,261 1,784,862 1,798,410 1,812,672 1,820,778 1,842,860 1,864,180 1,897,755 1,924,963 1,962,941 1,994,270 2,036,500 2,050,276
Term loans - by purpose 1,689,807 1,702,338 1,712,437 1,730,653 1,745,667 1,762,217 1,774,272 1,798,804 1,821,747 1,856,154 1,886,514 1,926,067 1,958,518 2,000,973 2,017,192
Owner-occupied 1,065,288 1,074,855 1,054,337 1,073,320 1,089,875 1,108,862 1,126,180 1,150,332 1,193,803 1,226,640 1,254,345 1,282,334 1,305,838 1,335,982 1,350,310
Investment 580,391 579,372 607,799 607,776 606,851 605,236 600,939 602,181 582,367 584,404 587,653 600,213 609,065 620,796 623,028
Non-housing 44,128 48,111 50,302 49,557 48,941 48,119 47,153 46,291 45,578 45,110 44,515 43,519 43,615 44,195 43,855
Revolving credits 61,360 60,380 56,824 54,209 52,743 50,455 46,507 44,057 42,433 41,600 38,449 36,874 35,752 35,527 33,084
Reverse mortgages * * * * * * * * * * * * * * *

Interest-only 401,039 374,546 349,729 326,635 307,433 288,482 273,119 263,233 255,047 243,034 233,694 226,178 222,162 223,676 225,051
Owner-occupied 132,610 118,570 110,812 100,738 92,000 82,876 75,962 71,906 66,673 62,251 57,114 51,425 47,442 46,331 45,532
Investment 255,830 243,112 225,676 213,603 203,812 194,588 186,842 181,523 179,035 171,996 168,204 166,838 166,850 169,404 171,439
Non-housing 12,598 12,865 13,241 12,294 11,621 11,017 10,315 9,804 9,339 8,788 8,377 7,915 7,870 7,941 8,081
Funded ≤ 3 years ago 961,997 948,623 940,241 938,633 938,049 941,774 943,059 960,360 980,586 1,019,687 1,066,947 1,122,468 1,169,031 1,222,115 1,254,984
Funded > 3 years and ≤ 5 years ago 342,395 355,274 360,818 367,291 371,064 370,136 367,821 362,472 357,186 345,505 330,620 313,836 300,551 286,236 271,829
Funded > 5 years ago 385,415 398,442 411,378 424,728 436,554 450,308 463,391 475,972 483,975 490,962 488,947 489,763 488,937 492,622 490,378

LVR < 60% 455,494 461,898 466,535 472,632 479,630 479,367 484,568 489,289 494,520 502,906 512,851 527,868 544,203 566,507 589,499
60% ≤ LVR < 80% 840,669 854,852 863,588 874,849 885,476 888,493 898,810 911,949 927,619 947,471 968,500 990,074 1,010,844 1,033,670 1,036,828
80% ≤ LVR < 90% 296,821 291,684 291,200 293,154 292,443 300,053 302,631 307,480 309,432 314,369 315,927 319,114 317,693 317,297 310,990
90% ≤ LVR < 95% 70,257 68,042 66,344 65,863 64,615 68,199 68,714 70,804 71,444 72,468 71,334 71,089 68,372 65,976 63,336
LVR ≥ 95% * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * *

LVR < 60% 288,845 293,235 287,759 292,681 298,481 300,272 302,970 307,254 318,417 325,848 333,880 344,408 356,422 373,344 390,929
60% ≤ LVR < 80% 521,592 531,763 523,347 533,770 543,430 549,907 560,253 572,093 595,563 613,284 631,680 646,540 662,206 682,515 687,478
80% ≤ LVR < 90% 187,813 184,301 181,129 184,544 186,174 192,490 197,244 202,642 209,608 215,510 218,108 220,773 219,272 217,815 212,494
90% ≤ LVR < 95% 51,324 50,230 48,011 48,428 48,179 51,287 53,439 56,201 58,454 60,083 59,568 59,487 57,269 51,851 49,522
LVR ≥ 95% * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * *

LVR < 60% 148,338 149,730 158,309 159,560 160,801 159,192 162,563 163,247 157,737 158,661 160,625 165,459 169,578 175,052 180,620
60% ≤ LVR < 80% 299,252 301,808 318,939 320,083 321,291 318,235 318,201 319,894 311,522 313,723 316,440 323,370 328,326 330,835 329,223
80% ≤ LVR < 90% 104,686 101,318 104,010 102,793 100,680 101,879 99,753 99,330 94,623 93,999 93,142 93,917 94,131 95,034 93,976
90% ≤ LVR < 95% * * * * 14,810 15,258 * 13,034 12,050 11,579 11,162 11,163 10,817 13,466 13,187
LVR ≥ 95% * * * * * * * * * * 5,980 5,982 * * *
LVR not reported 176 174 183 167 * * 320 * * * 305 321 * 391 *
Third party originated 870,029 877,623 883,994 896,267 905,746 916,634 921,320 938,808 954,705 975,528 997,798 1,027,943 1,051,795 1,083,530 1,100,533
Low documentation * * * * * * * * * * * * * * *
Loans to non-residents 24,353 23,987 22,510 21,991 21,599 21,187 20,244 20,122 19,482 19,197 18,911 18,455 18,058 18,122 17,215
Loans to SMSFs 11,017 10,847 10,601 * * * * * * * * * * * *
Loans for units or apartments 279,342 283,663 285,234 287,096 288,931 288,987 292,553 293,060 330,298 337,854 339,949 343,157 345,106 347,992 343,281
Loans 30-89 days past due 13,897 13,719 11,766 12,591 14,735 13,757 8,945 10,557 10,413 9,825 9,088 8,328 8,831 7,995 6,994
Non-performing loans 15,500 16,658 16,507 16,206 17,055 20,307 19,509 18,912 19,748 19,530 17,762 16,376 16,472 16,187 14,782
Term loans * * * * * * * * * * * * * * *
Owner-occupied 9,547 10,221 9,895 9,820 10,414 12,273 11,700 11,380 12,174 12,193 11,116 10,274 10,466 10,373 9,517
Investment * * * * * * * * * * * * * * *
Non-housing purposes * * * * * * * * * * * * * * *
Revolving credits * * * * * * * * * * * * * * *

Interest-only and owner-occupied * * * * * * * * * * * * * * *
Interest-only and investor * * * * * * * * * * * * * * *
Low documentation * * * * * * * * * * * * * * *
Loans to non-residents 282 300 309 286 298 438 434 478 501 493 483 497 471 457 400
Loans to SMSFs * 58 * 117 125 139 132 98 102 94 88 85 88 89 79
Loans for units or apartments * * * * * * * * * * * * * * *
Mortgagee in possession * * * * * * * * * * * * * * *
New non-performing loans during the quarter 4,512 4,888 4,706 4,146 4,782 6,743 3,643 3,949 4,847 4,210 3,235 2,755 3,137 3,033 2,365
LVR < 60% 2,200 2,409 2,444 2,439 2,595 3,052 3,094 2,979 3,148 3,242 3,088 2,952 3,029 3,069 2,968
60% ≤ LVR < 80% 5,320 5,904 5,982 5,958 6,438 7,657 7,501 7,370 7,947 7,783 * * 6,749 6,727 6,084
80% ≤ LVR < 90% * 4,200 4,288 4,140 4,302 5,117 4,939 4,746 4,997 4,950 * * 3,838 3,638 3,229
90% ≤ LVR < 95% * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * 1,322 1,208 * * *
LVR not reported * * * * * * * * * 23 21 24 * * *

2,372,100 2,413,689 2,436,265 2,454,470 2,480,252

2,298,973 2,342,011 2,366,454 2,386,932 2,415,054
1,555,633 1,588,404 1,605,401 1,619,295 1,641,463
689,896 700,245 707,688 713,929 720,824
53,444 53,363 53,366 53,707 52,767
73,127 71,678 69,811 67,539 65,198
240,959 244,517 238,288 255,466 263,681
2,079,194 2,117,196 2,145,196 2,160,372 2,185,213

2,047,692 2,086,627 2,115,090 2,132,379 2,158,856
1,374,529 1,404,765 1,425,274 1,436,937 1,458,123
629,130 637,888 645,591 651,033 657,176
44,033 43,974 44,224 44,409 43,557
31,502 30,569 30,106 27,993 26,357
* * * * *
228,676 232,507 235,298 236,080 236,059

45,604 * * * 44,096
174,812 178,676 181,553 182,571 183,239
8,260 * * * 8,725
1,290,544 1,327,083 1,358,959 1,378,624 1,394,211

266,269 263,578 262,913 265,107 278,484
490,879 495,965 493,218 488,648 486,162
596,284 609,090 632,916 648,211 668,634

1,054,227 1,080,262 1,096,483 1,099,092 1,101,556
316,159 316,812 308,280 306,129 306,834
62,802 62,517 56,171 56,062 56,542
* * * * *
* * * * *
396,748 408,219 424,793 435,414 449,775

702,378 721,912 729,955 733,529 739,642
215,523 215,286 210,810 208,432 207,816
48,733 48,076 45,914 45,361 45,221
* * * * *
* * * * *

181,394 183,207 188,944 192,325 198,481
331,766 338,202 346,059 345,624 342,593
96,078 96,726 93,793 94,748 96,222
13,476 13,698 9,778 10,382 11,021
* * * * *
* * * * *
1,125,816 1,150,077 1,173,532 1,192,957 1,216,841

* * * * *
16,608 16,178 15,751 15,387 14,925
* * * * *
344,371 348,192 349,255 347,171 348,331
8,758 10,326 10,949 11,662 13,080
14,204 15,337 16,459 17,473 18,764

* * * * *
9,081 9,796 10,684 11,431 12,536
* * * * *
* * * * *
* * * * *
* * * * *
336 * * * *
* * * * *
395 413 408 402 376
80 90 91 85 83
* * * * *
* * * * *
2,657 3,730 4,127 4,338 4,786
2,809 2,957 3,161 3,315 3,600

5,768 * * * 7,396
3,121 * * * *
* * * * 4,357
* * * * 1,205
* * 4 1 *
46 46 47 47 47

Table 2c Banks' new housing loans funded
(Level 2)
Quarter end
Loans to households and self-managed superannuation funds (SMSFs) funded Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
New loans funded 76,968 84,731 93,305 104,172 92,561 109,160 111,121 125,462 124,534 152,653 164,448 167,035 141,652 156,124 147,880
Term loans * * * * * * * * * * * * * * *
Owner-occupied 52,527 57,015 62,404 70,086 62,706 74,641 76,452 86,731 86,394 106,937 112,393 112,234 94,490 104,165 100,090
Investment 22,280 25,472 28,133 31,485 27,463 31,758 31,978 35,917 35,683 42,419 48,226 50,816 43,709 48,055 44,178
Non-housing * * * * * * * * * * * * * * *
Revolving credits * * * * * * * * * * * * * * *

Externally refinanced 28,210 30,090 35,793 37,359 35,107 46,876 43,497 44,369 43,203 54,878 65,125 61,574 50,755 59,150 63,841
Loans to SMSFs * * * * * 39 * * * * * * 12 * *
Loans to non-residents * * * * * * * * * * * * * * *
Loans for units and apartments 9,465 10,650 12,381 14,247 12,143 15,268 15,261 17,075 17,295 22,361 23,476 22,941 18,330 20,914 19,720
Exceptions to serviceability policy 1,753 2,254 2,112 2,763 1,993 2,110 2,088 2,148 2,778 3,519 4,171 5,441 4,594 4,901 4,423
Serviceability verification waivers * * * * * * * * * * * * * * *

Third party originated 37,646 42,496 47,775 53,541 47,326 57,833 62,085 68,680 67,331 83,141 95,868 96,532 81,773 92,269 89,789
Interest-only 14,929 17,321 17,086 18,433 16,758 19,795 20,710 24,310 24,247 28,055 31,175 32,234 27,204 31,272 28,965
Owner-occupied 5,898 6,397 6,323 6,741 6,181 6,327 8,119 10,818 11,453 11,641 11,247 11,181 9,615 11,410 10,488
Investment * * * * * * * * * * * * * * *
Non-housing purposes * * * * * * * * * * * * * * *

Loan-to-income ≥ 4x < 6x 20,406 22,670 25,039 28,366 25,337 26,769 28,851 35,115 35,560 46,167 49,086 49,952 43,009 47,169 42,609
Loan-to-income ≥ 6x 3,678 4,034 5,126 6,272 5,583 6,088 6,536 8,608 10,053 14,984 16,687 18,042 14,263 15,435 10,345
Debt-to-income ≥ 4x < 6x 32,337 36,138 38,876 43,913 39,166 43,295 46,104 53,053 54,065 66,738 71,581 72,200 62,945 70,217 69,774
Debt-to-income ≥ 6x 11,206 12,170 13,822 16,868 14,861 17,143 17,815 21,344 23,322 32,881 37,749 39,959 32,213 33,924 24,775

LVR < 60% 16,206 17,609 19,238 20,607 18,460 21,463 21,306 22,632 23,048 29,630 34,259 36,362 32,843 39,724 39,410
60% ≤ LVR < 80% 32,035 35,163 38,356 42,881 37,998 46,577 44,921 49,544 49,706 63,161 69,227 68,616 59,389 65,623 62,173
80% ≤ LVR < 90% 20,865 23,665 26,314 30,216 26,363 30,532 32,734 38,507 38,402 46,168 47,892 48,315 38,559 40,307 36,845
90% ≤ LVR < 95% 5,829 6,463 7,237 8,251 7,423 8,177 * 11,979 11,169 11,301 10,227 10,782 8,558 8,209 7,137
LVR ≥ 95% * * * * * * * * * * * * * * *

LVR < 60% 11,037 11,711 12,807 13,617 12,171 14,095 14,017 14,720 15,206 19,942 22,774 24,011 21,825 26,945 27,255
60% ≤ LVR < 80% 20,754 22,419 24,479 27,269 24,664 30,632 29,303 32,276 32,823 42,224 45,495 44,143 38,582 42,658 41,102
80% ≤ LVR < 90% 14,480 16,130 17,883 20,878 18,124 21,377 23,261 27,633 27,544 33,348 33,445 32,830 25,243 26,033 23,836
90% ≤ LVR < 95% * * * * * * * 10,393 9,488 10,056 9,092 9,514 7,538 7,191 6,298
LVR ≥ 95% * * * * * * * 1,709 1,333 1,367 1,585 1,735 1,302 1,340 1,599

LVR < 60% 4,696 5,345 5,807 6,377 5,740 6,675 6,641 7,273 7,267 8,875 10,581 11,343 10,144 11,715 11,125
60% ≤ LVR < 80% 10,757 12,126 12,874 14,599 12,671 15,176 14,906 16,447 16,142 19,883 22,556 23,157 19,686 21,592 19,820
80% ≤ LVR < 90% 6,214 7,307 8,189 9,100 7,801 8,664 9,001 10,379 10,407 12,236 13,726 14,808 12,661 13,569 12,221
90% ≤ LVR < 95% * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * * * * * *

Weighted average variable rate of new loans funded 4.2 3.9 3.6 3.4 3.1 3.0 3.0 2.9 2.8 2.8 2.7 2.6 2.5 3.1 4.4
Weighted average assessment rate used for serviceability 7.3 7.3 6.6 6.1 5.9 5.7 5.7 5.5 5.4 5.4 5.4 5.6 5.7 6.0 7.1

146,980 130,724 149,288 149,367 150,948

* * * * *
98,804 87,971 98,554 98,228 98,554
44,653 39,719 47,314 47,714 49,067
* * * * *
* * * * *
65,907 62,620 70,517 71,238 53,673

* * * * *
391 365 452 493 *
20,494 18,788 22,427 23,716 22,758
4,581 3,695 4,116 6,655 7,229
3,836 * * * *
88,224 76,844 88,883 91,747 92,717

28,412 24,276 27,910 27,461 29,017
9,952 8,203 8,464 8,416 8,859
* * * * *
* * * * *
41,586 33,929 35,757 34,037 34,835

6,473 4,163 4,058 4,244 *
71,055 61,551 67,119 65,866 66,884
15,910 9,683 8,952 8,316 8,259
39,446 36,455 42,194 42,570 40,081

62,069 56,041 62,955 63,718 63,218
36,529 30,576 36,312 35,836 38,459
6,574 5,491 5,731 5,290 6,399
* * * * *
27,190 25,317 29,030 29,194 26,504

40,702 36,881 40,693 41,484 40,739
23,532 19,562 22,613 21,811 23,981
5,730 4,702 4,778 4,362 5,217
1,650 1,509 1,440 1,378 2,112

11,250 10,246 12,216 12,410 12,296
20,215 18,232 21,244 21,257 21,231
12,154 10,285 12,694 12,950 14,075
* * * * *
* * * * *
5.1 5.5 6.0 6.1 6.3

7.9 8.3 8.8 9.0 9.2
46 46 47 47 47

Table 3a Credit un
Mar 2004 Sep 2004 Mar 2005 Sep 2005 Mar 2006 Sep 2006 Mar 2007 Sep 2007 Mar 2008 Sep 2008 Mar 2009 Sep 2009 Mar 2010 Sep 2010 Mar 2011 Sep 2011

Office 77 67 78 80 88 84 97 104 116 118 121 118 127 143 143 97
Retail 214 217 215 217 246 261 277 324 346 248 245 255 244 251 254 205
Industrial 217 241 258 290 291 299 307 328 326 339 197 229 220 238 282 192
Land development/subdivisions 70 68 78 74 99 110 111 182 170 74 83 78 83 80 126 111
Other residential 148 160 193 201 113 122 166 267 189 111 140 178 176 195 242 184
Tourism and leisure 83 66 68 68 74 69 71 103 71 57 51 46 50 45 48 25
Other 174 177 201 214 268 280 291 326 376 319 331 373 338 345 338 158
Total commercial property limits 983 995 1,090 1,143 1,179 1,225 1,320 1,633 1,593 1,264 1,167 1,277 1,239 1,297 1,434 972
of which: Exposure limits in Australia 981 995 1,090 1,143 1,179 1,225 1,320 1,633 1,593 1,262 1,167 1,277 1,239 1,297 1,434 972

Office 67 60 68 72 83 79 92 95 103 101 100 101 111 124 122 86
Retail 203 205 200 200 218 233 244 274 274 212 209 219 207 209 214 171
Industrial 189 214 224 251 186 258 269 286 282 296 177 207 203 220 260 174
Other 155 157 182 192 223 241 262 292 323 288 270 320 286 298 280 133
Total commercial property exposures 885 898 974 1,026 961 1,076 1,158 1,416 1,343 1,113 969 1,106 1,056 1,116 1,213 838
of which: Exposures in Australia 885 898 974 1,026 961 1,076 1,158 1,416 1,343 1,112 968 1,106 1,056 1,116 1,213 838
Impaired Commercial property exposures 33 21 18 14 8 9 9 6 7 9 14 8 21 18 26 31

of which: Exposures in Australia 33 21 18 14 8 9 9 6 7 9 14 8 21 18 26 31
Specific provisions 4 4 4 4 2 2 1 1 2 1 1 2 3 2 7 8
Specific provisions and security 48 35 71 77 106 197 125 154 141 193 102 91 16 13 30 37
exposures

Specific provisions





Table 3a Credit unions and building societies' commercial property exposures
Half year end
Mar 2012 Sep 2012 Mar 2013 Sep 2013 Mar 2014 Sep 2014 Mar 2015 Sep 2015 Mar 2016 Sep 2016 Mar 2017 Sep 2017 Mar 2018 Sep 2018 Mar 2019 Sep 2019 Mar 2020 Sep 2020 Mar 2021 Sep 2021 Dec 2021
85 80 89 74 92 79 76 41 42 35 40 39 42 34 32 32 27 12 16 15 15
170 176 171 157 158 139 126 99 84 81 85 94 90 85 71 66 55 53 48 47 47
177 179 170 121 112 102 99 68 84 77 74 74 78 80 71 67 60 60 63 55 55
125 138 94 80 90 95 96 90 92 83 74 97 111 106 126 159 102 84 96 82 82
171 151 130 121 117 116 114 88 74 67 59 75 62 55 64 54 32 26 26 27 26
27 28 27 25 28 25 27 20 17 12 12 14 12 16 12 13 13 7 7 8 8
142 143 136 94 88 83 69 51 51 87 57 62 67 68 67 82 58 56 51 50 50
895 895 817 673 684 639 607 455 444 441 400 456 460 443 442 474 347 297 307 284 283
895 895 817 673 684 639 607 455 437 441 400 456 460 443 442 474 347 297 307 284 283
73 65 77 64 83 73 69 37 38 32 37 35 38 30 28 29 23 9 13 11 11
147 151 145 132 129 116 108 78 69 64 71 79 72 69 57 53 42 40 36 35 35
160 160 150 110 101 93 90 62 77 64 61 62 65 67 57 52 45 45 49 42 42
103 110 76 56 65 61 56 42 70 77 60 67 83 82 96 120 87 63 65 * *
157 137 113 103 106 105 106 77 71 63 54 63 49 47 56 47 29 23 25 23 23
26 25 25 23 21 23 26 19 17 11 12 13 10 12 10 12 12 6 6 * *
135 135 126 86 79 74 66 47 47 85 51 60 64 62 63 74 50 52 46 45 45
801 784 711 574 583 545 520 362 389 395 343 379 380 368 367 387 287 237 240 220 220
801 784 711 574 583 545 520 362 384 395 343 379 380 368 367 387 287 237 240 220 220
37 31 6 4 5 3 3 3 3 3 5 2 * * * * 1 1 0 0 0
37 31 6 4 5 3 3 3 3 3 5 2 * * * * 1 1 0 0 0
12 12 3 3 3 3 2 2 3 3 3 2 0 0 0 0 0 0 0 0 0
12 12 3 3 3 3 2 2 3 3 3 2 0 0 0 0 0 0 0 0 0
46 34 7 5 5 3 3 3 6 7 7 4 1 1 1 0 1 1 0 0 0
46 34 7 5 5 3 3 3 6 7 7 4 1 1 1 0 1 1 0 0 0
4.7% 3.9% 0.8% 0.7% 0.8% 0.6% 0.6% 0.8% 0.8% 0.8% 1.5% 0.6% 0.0% 0.4% 0.1% 0.1% 0.2% 0.6% 0.0% 0.0% 0.0%
1.5% 1.6% 0.4% 0.5% 0.4% 0.5% 0.4% 0.6% 0.6% 0.7% 0.7% 0.6% 0.0% 0.1% 0.0% 0.0% 0.1% 0.0% 0.0% 0.0% 0.0%
32.8% 40.1% 57.6% 71.5% 53.7% 85.2% 73.8% 81.2% 80.6% 93.5% 49.0% 92.1% 96.4% 19.6% 24.0% 41.4% 60.2% 0.0% 0.0% 0.0%
122.1% 111.6% 125.2% 116.5% 106.3% 104.3% 98.1% 91.3% 206.4% 215.5% 141.2% 167.8% 655.8% 86.8% 110.2% 82.7% 160.2% 100.0% 0.0% 0.0%

102 101 99 95 94 92 89 79 74 63 60 58 54 50 47 46 42 40 39 37 36

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
23 22 22 22 19 19 21 21
43 42 45 45 32 32 32 32
56 55 57 57 40 40 47 47
83 82 98 98 99 99 118 118
27 26 36 36 45 45 45 45
8 8 7 7 8 8 11 11
50 49 53 53 62 62 60 60
290 284 317 317 305 305 334 334
290 284 317 317 305 305 334 334
18 17 17 17 18 18 20 20
32 31 34 34 25 25 27 27
43 42 45 45 34 34 41 41
52 50 63 63 69 69 88 88
25 24 34 34 43 43 40 40
6 6 6 6 8 8 11 11
45 45 48 48 57 57 55 55
220 214 248 248 254 254 281 281
220 214 248 248 254 254 281 281
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

36 35 35 35 33 33 33 33

Table 3b Credit unions and building societies' residential property exposures
Quarter end
Credit limits
Total credit limits (including redrawable amounts) 43,200 43,617 42,792 40,780 40,766 38,581 39,167 39,689 40,211 41,802 41,344 41,931 43,166 44,046 45,037 46,086 26,820 27,399 26,874 28,052
Term loans - by purpose 41,881 42,331 41,530 39,663 39,706 37,638 38,288 38,866 39,418 41,040 40,608 41,229 42,484 43,388 44,401 45,477 26,547 27,126 26,605 27,790
Owner-occupied 32,330 32,679 31,962 30,644 30,706 29,125 29,679 30,179 30,652 31,402 31,676 32,065 32,968 33,611 34,329 35,253 21,177 21,695 21,372 22,332
Investment 8,763 8,882 8,820 8,282 8,275 7,803 7,900 7,970 8,049 8,207 8,175 8,401 8,761 9,037 9,345 9,512 5,242 5,296 5,094 5,321
Non-housing 789 770 748 737 725 710 710 717 717 1,430 758 762 755 740 728 713 127 136 139 137
Revolving credits 1,319 1,286 1,261 1,117 1,061 943 879 824 793 762 736 703 682 658 636 608 273 273 269 262
Credit outstanding
Total credit oustanding 38,940 39,439 38,592 36,735 36,762 34,883 35,275 35,662 36,366 36,897 37,019 37,610 38,771 39,603 40,433 41,309 24,271 24,863 25,192 25,510
Owner-occupied 29,411 29,812 29,082 27,849 27,905 26,522 26,871 27,229 27,604 28,255 28,443 28,840 29,686 30,288 30,888 31,677 19,202 19,730 20,065 20,375
Investment 8,244 8,361 8,293 7,764 7,753 7,329 7,411 7,459 7,517 7,676 7,635 7,849 8,182 8,436 8,689 8,810 4,854 4,912 4,903 4,916
Non-housing 703 686 664 653 647 634 629 635 628 668 670 670 662 647 631 612 109 113 122 120
Reverse mortgages * * * * * * * * * * * * * * * * * * * *

Interest-only 4,091 3,809 3,694 3,261 3,074 2,774 2,706 2,693 2,681 2,705 2,706 2,787 2,880 2,996 3,076 3,169 1,815 1,834 1,784 1,732
Owner-occupied 1,162 1,060 991 837 768 673 629 673 714 740 747 729 718 713 684 678 * * * 434
Investment 2,856 2,699 2,643 2,365 2,252 2,050 2,025 1,970 1,918 1,917 1,909 2,009 2,118 2,242 2,354 2,451 1,354 1,372 1,325 1,278
Non-housing 73 50 61 59 54 51 52 50 49 49 50 48 45 40 38 40 * * * 20
Funded ≤ 3 years ago 22,910 23,128 22,481 21,626 20,740 19,941 19,732 19,965 20,127 20,772 21,194 21,900 23,253 24,399 25,446 26,260 16,230 16,932 17,243 17,377
Funded > 5 years ago 8,372 8,440 8,225 7,750 8,434 7,845 8,388 8,532 8,675 8,814 8,643 8,554 8,636 8,599 8,514 8,620 4,486 4,611 4,748 4,903

LVR < 60% 12,334 12,595 12,360 11,642 11,635 10,943 11,233 11,319 11,544 11,854 11,967 12,081 12,662 13,168 13,812 14,381 7,965 8,155 8,354 8,617
60% ≤ LVR < 80% 18,624 18,801 18,273 17,402 17,370 16,613 16,747 16,861 16,886 17,195 17,224 17,540 18,065 18,465 18,767 19,007 11,015 11,179 11,133 11,025
80% ≤ LVR < 90% 4,953 5,005 4,965 4,888 4,949 4,732 4,797 4,863 4,959 5,099 5,077 5,115 5,210 5,209 5,205 5,219 3,170 3,220 3,293 3,369
90% ≤ LVR < 95% 1,646 1,668 1,686 1,635 1,633 1,583 1,697 1,882 1,976 2,142 2,181 2,312 2,307 2,246 2,122 2,116 1,680 1,818 1,969 2,053
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *

LVR < 60% 9,380 9,548 9,317 8,748 8,724 8,247 8,422 8,488 8,639 8,845 8,946 9,032 9,449 9,825 10,352 10,806 6,096 6,255 6,417 6,636
60% ≤ LVR < 80% 13,997 14,124 13,665 13,123 13,137 12,482 12,563 12,633 12,673 12,907 12,958 13,112 13,512 13,828 14,038 14,274 8,445 8,571 8,540 8,457
80% ≤ LVR < 90% 4,004 4,077 4,041 3,994 4,075 3,908 3,959 4,033 4,138 4,255 4,257 4,266 4,315 4,290 4,255 4,275 2,705 2,760 2,853 2,939
90% ≤ LVR < 95% 1,425 1,457 1,482 1,450 1,448 1,417 1,541 1,728 1,824 1,988 2,035 2,167 2,167 2,107 1,980 1,985 1,646 1,784 1,936 2,020
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *

LVR < 60% 2,617 2,704 2,707 2,556 2,568 2,365 2,471 2,486 2,563 2,650 2,657 2,684 2,839 2,974 3,111 3,213 1,812 1,847 1,873 1,925
60% ≤ LVR < 80% 4,334 4,402 4,346 4,028 4,024 3,884 3,944 3,986 3,973 4,031 4,006 4,165 4,305 4,396 4,498 4,513 2,530 2,561 2,548 2,514
80% ≤ LVR < 90% 899 878 878 848 833 789 809 800 795 811 790 821 867 896 911 924 461 456 436 427
90% ≤ LVR < 95% * * * * 177 157 * 145 143 147 139 139 135 136 139 129 34 34 33 33
LVR ≥ 95% * * * * * * * * * 38 44 41 * * * * * * * *
LVR not reported 0 0 0 0 * * 0 * * 0 0 0 * 0 * * * * * *
Third party originated 10,709 10,843 10,893 10,874 11,014 10,799 11,206 11,353 11,561 12,070 12,599 13,635 14,534 15,279 16,009 16,707 10,772 11,305 11,660 11,921
Low documentation * * * * * * * * * * * * * * * * * * * *
Loans to SMSFs 133 139 125 * * * * * * * * * * * * * * * * *
Loans 30-89 days past due 190 151 137 172 172 103 82 116 124 121 90 105 117 109 108 135 115 81 76 199
Non-performing loans 112 128 124 127 129 149 134 118 110 103 96 87 103 109 112 121 80 101 105 115
Term loans * * * * * * * * * * * * * * * * * * * *
Owner-occupied 94 106 102 106 104 118 104 95 87 82 79 73 85 91 93 103 70 90 93 98
Investment * * * * * * * * * * * * * * * * * * * *
Non-housing purposes * * * * * * * * * * * * * * * * * * * *
Revolving credits * * * * * * * * * * * * * * * * * * * *

Interest-only and owner-occupied * * * * * * * * * * * * * * * * * * * *
Interest-only and investor * * * * * * * * * * * * * * * 0 * * * *
Loans to non-residents 0 0 0 * 0 0 0 0 0 0 0 0 * 0 0 0 0 0 0 0
Loans to SMSFs * 0 * 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Loans for units or apartments * * * * * * * * * * * * * * * * * * * *
Mortgagee in possession * * * * * * * * * * * * * * * * * * * *
New non-performing loans during the quarter * * * * * * * * * * * * * * * * * * * *
LVR < 60% 22 23 20 22 22 31 31 21 21 26 25 26 31 29 33 38 35 40 43 47

60% ≤ LVR < 80% 45 57 50 52 50 62 51 46 45 38 37 34 34 42 45 46 34 45 46 53
80% ≤ LVR < 90% 18 20 23 22 25 23 22 20 22 22 * * 25 24 21 22 * * * *
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * 0 0 0 0 * * * * 0 0 2 *

Table 3c Credit unions and building societies' new housing loans funded
(Level 2)
Quarter end
Loans to households and self-managed superannuation funds (SMSFs) funded Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
New loans funded 2,105 2,117 2,046 2,383 2,027 1,974 2,159 2,664 2,639 3,265 3,386 3,939 3,426 3,523 3,101 3,188 2,027 1,741 1,578 1,582
Term loans * * * * * * * * * * * * * * * * * * * *
Owner-occupied 1,628 1,626 1,583 1,835 1,564 1,548 1,725 2,153 2,107 2,544 2,643 2,980 2,576 2,672 2,343 2,579 1,695 1,437 1,313 1,264
Investment 435 451 422 502 415 389 386 456 481 640 671 907 812 811 727 578 317 295 251 309
Non-housing * * * * * * * * * * * * * * * * * * * *

Externally refinanced 551 412 385 412 336 333 371 465 476 690 795 974 1,011 914 917 1,037 771 409 360 328
Loans to SMSFs * * * * * 0 * * * * * * * * * 0 0 0 0 *
Loans to non-residents * * * * * * * * * * * * * * * 0 0 0 2 *
Loans for units and apartments 196 207 196 223 212 210 221 254 247 301 322 376 236 212 207 212 213 215 217 207
Exceptions to serviceability policy 63 82 57 87 49 57 29 43 25 33 67 65 78 55 66 81 70 41 59 64
Serviceability verification waivers * * * * * * * * * * * * * * * 21 * * * *

Third party originated 622 547 523 784 625 633 756 870 935 1,291 1,524 1,933 1,655 1,663 1,447 1,566 1,291 1,015 857 832
Interest-only 312 328 307 316 282 285 306 366 399 457 446 558 464 543 468 398 185 197 150 189
Owner-occupied 161 186 173 158 146 150 175 235 247 256 218 223 189 232 180 187 84 104 80 98
Investment * * * * * * * * * * * * * * * * 101 * * *
Non-housing purposes * * * * * * * * * * * * * * * * - * * *

Loan-to-income ≥ 4x < 6x 483 458 423 575 521 514 574 738 735 943 1,070 1,194 1,069 1,050 887 929 611 455 389 376
Loan-to-income ≥ 6x 87 43 56 76 84 124 119 154 149 230 198 325 270 299 174 113 36 32 21 *
Debt-to-income ≥ 4x < 6x 682 767 733 915 785 756 847 1,068 1,109 1,387 1,586 1,676 1,501 1,611 1,367 1,434 880 700 593 618
Debt-to-income ≥ 6x 191 141 136 193 203 237 250 300 299 454 432 652 533 547 387 225 69 52 33 66

LVR < 60% 533 526 480 515 439 413 438 533 534 669 738 877 887 946 962 972 609 461 448 444
60% ≤ LVR < 80% 924 900 872 1,051 903 870 900 1,145 1,146 1,447 1,554 1,782 1,530 1,586 1,381 1,368 828 603 541 567
80% ≤ LVR < 90% 378 398 408 483 396 389 458 512 545 659 657 692 597 586 437 423 252 262 254 270
90% ≤ LVR < 95% 171 179 195 226 189 214 273 378 346 411 359 458 333 327 213 255 189 214 199 168
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *

LVR < 60% 405 379 360 377 324 303 323 416 404 496 557 661 652 721 738 777 494 362 352 339
60% ≤ LVR < 80% 681 657 650 777 667 658 686 869 870 1,071 1,175 1,266 1,124 1,178 1,000 1,082 652 453 426 414
80% ≤ LVR < 90% 302 332 323 379 316 312 373 424 450 521 518 509 428 419 316 317 214 213 208 217
90% ≤ LVR < 95% * * * * * * * 355 321 381 321 425 297 283 184 239 187 212 197 164
LVR ≥ 95% * * * * * * * 89 61 74 72 120 74 71 105 165 148 198 131 131

LVR < 60% 113 134 108 123 97 97 95 100 118 148 155 199 219 206 211 181 109 96 89 101
60% ≤ LVR < 80% 227 229 206 255 216 198 189 245 246 334 342 489 389 390 366 275 167 145 111 150
80% ≤ LVR < 90% 73 64 82 99 75 74 83 85 91 128 134 180 169 166 119 105 38 49 46 53
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *

Weighted average variable rate of new loans funded 4.0 4.0 3.6 3.4 3.2 3.0 3.0 3.4 2.8 2.8 2.8 2.7 2.6 2.8 4.1 4.8 5.2 6.8 6.0 6.2
Weighted average assessment rate used for serviceability 7.5 7.4 6.8 6.2 6.2 5.9 5.8 5.8 5.6 5.6 5.6 5.5 5.7 6.0 6.9 7.6 8.0 10.1 9.0 9.1

Table 4a Major banks' commercial property exposures
Quarter end
Mar 2004 Sep 2004 Mar 2005 Sep 2005 Mar 2006 Sep 2006 Mar 2007 Sep 2007 Mar 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023

Office 21,486 23,984 25,500 29,044 29,957 32,500 35,846 42,377 49,091 50,378 58,905 59,814 60,566 60,994 56,133 53,351 54,571 54,135 53,745 53,899 54,348 55,406 57,011 57,349 56,523 57,337 58,017 58,995 61,300 63,026 64,584 64,401 65,987 66,868 67,884 68,922 68,574 68,546 71,395 72,213 73,499 73,642 73,154 71,670 73,259 72,425 73,434 74,222 75,571 74,965 75,017 75,902 75,788 76,526 76,681 78,717 78,537 79,725 81,044 80,262 80,928 82,556 83,285 84,105 85,581 85,300 85,183 82,701 82,688 83,884 81,727
Retail 17,908 19,045 19,516 19,892 21,444 22,121 22,507 25,804 27,025 30,648 36,705 37,424 36,670 36,725 38,391 38,246 39,354 39,868 39,833 38,543 38,279 39,375 41,636 41,782 43,021 44,270 44,801 45,204 46,055 45,236 46,202 47,166 49,154 48,689 50,975 53,702 54,769 55,739 58,029 59,242 58,524 59,606 60,090 60,039 60,667 61,752 61,821 61,904 62,217 63,466 63,978 64,814 65,897 66,688 69,116 70,443 71,183 70,542 71,522 70,580 72,681 74,530 76,720 77,942 79,093 77,547 79,394 83,356 83,246 83,774 84,806
Industrial 6,956 8,125 9,008 10,251 11,280 13,226 14,598 16,748 18,921 20,184 25,690 26,335 26,516 26,821 26,112 25,013 24,674 23,803 23,311 24,026 23,675 23,438 23,837 24,056 23,894 24,240 24,240 24,655 25,222 25,276 26,109 26,550 26,643 28,058 28,739 29,240 27,789 27,753 28,744 28,648 28,565 29,466 30,330 29,882 29,753 29,761 29,887 30,133 30,463 30,976 32,253 32,492 32,902 33,620 34,681 36,215 36,293 36,743 37,264 38,926 40,911 41,905 44,647 45,003 47,726 48,319 50,454 53,100 53,321 54,424 56,233
Land development/subdivisions 9,686 10,230 11,590 12,430 13,846 15,182 15,080 16,741 18,993 20,455 22,734 22,546 22,747 21,587 18,426 17,970 18,734 18,576 17,502 18,492 18,524 14,883 14,651 14,526 15,141 15,165 14,907 14,192 14,646 13,764 13,759 13,427 13,792 14,021 14,223 15,052 17,319 18,497 19,135 20,340 21,221 20,040 20,017 19,128 18,216 17,322 17,368 17,118 16,618 15,796 15,273 15,413 15,208 14,702 14,026 14,717 14,626 14,132 14,593 15,097 14,943 16,568 18,166 18,397 19,041 19,272 18,814 19,128 19,493 19,139 19,023
Other residential 15,267 19,673 18,998 20,375 21,088 22,665 23,834 27,596 28,215 32,561 35,636 34,227 33,100 31,784 31,177 29,295 29,561 27,797 27,637 27,488 27,177 27,307 27,134 26,838 26,664 27,029 26,527 28,389 27,070 27,626 27,952 29,701 30,248 30,638 31,243 32,663 34,492 36,034 38,327 38,478 38,786 38,718 38,289 38,330 38,190 37,769 36,797 38,036 39,450 39,485 38,053 38,052 38,199 36,698 35,151 35,447 33,437 32,342 31,641 34,888 36,159 36,460 37,511 38,699 39,751 40,354 40,939 40,439 40,620 40,061 39,951
Tourism and leisure 3,392 3,742 3,722 4,314 5,114 6,157 7,011 8,012 8,300 8,211 8,868 9,288 8,588 8,951 8,320 6,865 7,000 6,600 6,388 6,450 6,238 6,119 6,263 6,205 6,515 7,013 7,321 7,423 7,790 7,904 7,809 7,481 6,836 6,736 7,197 7,097 7,174 6,439 6,394 6,611 5,999 6,112 6,074 6,014 5,032 4,635 5,013 5,104 5,180 5,314 5,630 5,693 5,795 5,917 5,405 5,653 5,436 5,558 5,299 5,358 5,179 5,404 5,339 5,358 5,653 5,536 5,801 6,108 5,840 5,676 5,830
Other 7,038 8,500 9,490 10,991 13,189 13,365 15,435 16,412 19,739 23,620 33,354 39,238 32,278 31,756 31,962 30,289 29,932 28,966 27,138 27,627 26,848 26,872 27,026 27,899 30,169 30,376 29,938 29,956 33,206 32,107 32,852 33,108 34,612 33,948 34,512 34,192 35,757 34,062 31,257 32,436 33,474 31,080 30,226 29,859 29,340 29,637 30,144 31,192 30,446 29,476 29,717 29,733 29,943 28,520 28,181 29,731 29,945 29,243 29,122 26,922 26,831 27,929 26,357 27,621 29,065 29,285 30,606 33,036 34,021 33,183 35,085
Total commercial property limits 81,733 93,298 97,825 107,297 115,918 125,215 134,311 153,690 170,283 186,057 221,891 228,872 220,466 218,619 210,521 201,028 203,826 199,745 195,555 196,525 195,089 193,400 197,558 198,654 201,926 205,430 205,751 208,813 215,287 214,938 219,266 221,833 227,272 228,959 234,772 240,867 245,873 247,069 253,280 257,969 260,067 258,664 258,180 254,921 254,456 253,301 254,463 257,709 259,946 259,479 259,920 262,098 263,733 262,671 263,240 270,923 269,457 268,285 270,485 272,032 277,632 285,353 292,025 297,124 305,909 305,612 311,189 317,867 319,229 320,141 322,653
of which: Exposure limits in Australia 62,547 68,030 72,437 79,968 85,173 91,016 97,704 111,906 124,153 135,293 166,893 174,695 170,704 169,592 165,903 159,177 160,189 160,660 158,496 160,373 157,972 155,693 159,908 160,023 163,623 166,602 166,684 169,897 174,150 172,039 174,641 177,418 183,752 186,888 191,240 196,127 203,225 205,121 209,469 216,000 215,428 214,516 213,415 212,703 211,180 211,743 213,873 214,496 216,850 216,128 215,361 216,850 218,654 217,072 217,093 222,685 224,207 223,222 225,757 227,227 232,086 237,767 244,245 250,024 259,413 259,942 263,511 272,028 274,890 276,768 280,466

Office 18,964 20,614 21,969 25,224 24,821 27,260 30,342 35,821 42,365 44,052 52,114 53,353 53,580 54,816 50,083 48,240 49,083 48,552 48,683 49,354 49,378 50,297 51,395 51,234 51,141 51,574 51,729 52,858 54,648 56,476 57,062 57,604 58,752 59,003 59,836 61,623 60,815 61,355 63,523 64,367 65,301 65,223 64,715 63,199 63,991 64,277 64,481 65,790 66,636 66,514 67,068 67,404 66,978 67,910 67,172 68,588 68,372 68,651 70,169 72,295 73,194 75,067 75,931 76,376 77,627 77,646 77,780 77,783 77,238 78,868 77,543
Retail 15,326 16,256 15,883 16,732 17,729 18,363 19,367 22,257 22,702 26,871 31,976 32,474 31,795 32,297 33,066 33,807 34,232 35,404 34,712 34,388 34,127 34,659 35,505 35,608 37,087 38,606 38,130 38,367 39,024 39,364 40,387 41,839 43,347 43,129 44,241 46,992 46,375 48,675 50,801 51,826 51,596 52,501 52,179 53,024 52,932 54,462 54,381 54,192 53,926 56,040 56,538 57,800 57,174 58,889 60,172 62,021 62,293 61,754 62,266 63,346 64,485 66,110 66,617 69,612 70,291 70,020 71,728 77,899 77,859 78,512 79,384
Industrial 6,358 7,201 7,963 8,769 9,871 11,017 12,772 14,862 16,280 17,963 23,541 24,214 24,609 24,921 24,156 23,214 22,875 21,758 21,063 21,842 21,579 21,492 21,628 21,698 21,456 21,817 21,421 21,639 21,799 22,155 23,177 23,583 23,740 24,924 25,467 26,000 24,497 24,733 25,648 25,414 25,361 26,060 26,929 26,564 26,366 26,237 26,368 26,826 27,352 27,676 28,986 29,190 29,263 29,874 30,822 31,948 32,558 32,695 32,311 34,644 36,647 37,764 39,669 40,673 42,369 43,160 45,403 50,072 50,495 51,433 53,069
Land development/subdivisions 7,138 8,062 8,991 9,569 10,492 11,710 11,621 13,288 15,209 15,521 18,817 19,116 19,033 18,348 15,968 15,754 15,792 15,646 14,620 15,073 14,909 12,519 12,141 11,942 12,069 11,694 11,486 11,055 11,523 10,852 10,687 10,545 10,291 10,537 10,193 10,831 11,892 12,184 12,679 13,539 14,215 13,290 13,274 13,194 12,468 11,912 11,816 11,536 11,216 10,670 10,403 10,787 10,654 10,430 9,832 10,431 10,139 9,978 10,014 10,287 9,962 9,906 10,898 11,520 12,216 12,684 12,740 18,273 18,613 18,187 18,043
Tourism and leisure 3,195 3,561 3,617 4,154 4,772 5,306 6,164 7,138 7,426 7,316 7,925 8,537 8,050 8,489 7,969 6,562 6,718 6,529 6,326 6,292 6,040 5,953 6,056 5,912 6,213 6,637 6,867 6,950 7,230 7,243 7,090 6,951 6,345 6,239 6,544 6,505 6,392 5,861 5,859 6,088 5,525 5,682 5,599 5,567 4,702 4,374 4,643 4,705 4,575 4,582 4,856 4,917 4,995 5,115 4,610 4,590 4,590 4,823 4,776 4,944 4,773 4,941 4,704 4,815 5,056 4,900 5,048 5,787 5,567 5,396 5,532
Other 6,298 7,502 8,222 9,405 11,314 11,542 13,316 14,224 17,164 20,801 29,659 34,611 28,341 28,154 28,313 26,611 26,617 26,177 24,760 24,853 24,056 23,921 23,269 23,470 25,740 26,261 25,446 24,749 26,923 26,710 27,003 27,343 26,474 27,012 27,862 27,862 27,479 27,366 24,057 25,191 26,178 24,932 24,011 24,213 22,808 23,343 23,805 24,368 23,409 23,174 23,827 23,525 22,998 21,341 20,886 22,686 21,983 22,080 21,694 19,521 20,511 21,029 20,101 21,404 22,058 22,682 23,785 28,876 30,084 29,745 31,174
Total commercial property exposures 69,132 78,709 82,056 90,743 96,281 103,126 112,821 129,671 143,192 158,343 193,448 201,440 193,742 194,189 185,849 178,904 180,103 177,307 173,441 174,472 172,480 170,952 171,333 171,392 174,397 177,518 175,781 177,203 181,807 183,263 186,139 189,943 190,825 192,457 195,690 202,266 200,736 204,785 208,493 212,948 214,688 215,042 214,155 213,508 211,100 212,245 212,356 214,752 215,442 217,820 219,427 221,457 220,177 221,022 220,356 227,827 225,569 224,861 226,147 234,219 239,799 245,241 249,174 256,427 262,151 264,030 270,119 295,875 297,321 299,152 303,054
of which: Exposures in Australia 50,918 55,602 59,069 65,936 70,588 74,901 82,034 94,257 103,838 115,266 145,498 153,613 149,802 150,522 146,281 141,627 140,803 141,027 138,679 140,641 138,120 135,637 136,801 137,013 139,844 142,784 140,957 142,544 145,046 144,794 145,988 150,167 152,480 155,478 158,264 163,269 163,827 168,200 170,871 176,999 176,606 177,451 176,103 177,455 173,849 176,380 177,551 177,848 178,891 180,905 181,007 182,714 180,829 181,912 180,837 185,836 185,772 185,711 187,488 194,964 199,777 203,300 207,904 215,017 221,170 223,775 228,120 251,473 254,350 257,029 261,685
Impaired Commercial property exposures 92 100 75 104 125 117 149 290 219 1,228 2,412 3,768 4,608 5,307 5,468 6,499 6,942 7,444 6,460 6,631 6,850 6,820 6,679 6,372 6,323 6,254 5,771 5,655 5,348 4,662 4,276 3,976 3,422 2,387 1,348 1,240 1,056 937 850 752 776 689 743 638 556 491 466 459 452 455 428 393 396 352 351 398 449 461 420 439 440 375 378
of which: Exposures in Australia 77 82 64 60 84 82 83 119 108 915 1,691 2,680 3,256 3,858 4,233 5,077 5,414 5,933 5,045 5,079 5,329 5,130 4,979 4,630 4,504 4,278 3,612 3,463 3,121 2,383 2,062 1,864 1,509 1,287 980 864 726 653 598 550 561 515 522 456 370 330 270 276 285 310 300 271 * * 261 312 363 384 352 363 362 293 265
Specific provisions 14 14 10 15 15 16 18 25 36 104 405 810 1,139 1,331 1,408 1,648 1,654 1,908 1,814 1,948 1,718 1,874 1,998 1,889 1,930 1,874 1,880 1,838 1,783 1,609 1,592 1,429 1,233 898 533 486 399 343 344 325 320 297 292 277 256 226 201 201 205 177 181 172 161 160 159 167 186 176 165 178 176 130 129
of which: Exposures in Australia 10 11 8 9 7 7 6 10 15 29 263 598 717 928 1,050 1,243 1,187 1,572 1,494 1,568 1,421 1,511 1,583 1,461 1,478 1,285 1,158 1,146 1,033 789 725 669 508 459 425 375 295 254 260 256 257 252 232 221 199 176 145 145 160 145 150 138 * * 133 143 156 152 145 151 148 100 91
Specific provisions and security 69 71 64 88 111 107 137 278 220 682 1,858 3,333 3,919 4,400 4,638 5,819 6,262 6,798 6,190 6,413 6,531 6,565 6,348 6,097 5,991 6,013 5,633 5,467 5,250 4,554 4,368 3,930 3,366 2,365 1,333 1,236 1,034 897 827 744 743 645 700 605 520 461 429 420 424 421 384 369 361 338 329 385 433 421 402 411 408 320 362
of which: Exposures in Australia 54 53 52 51 77 74 74 99 99 340 1,066 2,153 2,437 2,910 3,316 4,347 4,669 5,356 4,792 4,864 5,005 4,769 4,576 4,258 4,079 3,869 3,425 3,200 2,902 2,233 2,037 1,810 1,451 1,240 957 853 691 607 570 540 528 468 483 418 355 320 264 257 280 289 268 250 239 259 244 305 345 349 334 333 328 249 255
Impaired assets to exposures 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.2% 0.2% 0.8% 1.2% 1.9% 2.4% 2.7% 2.9% 3.6% 3.9% 4.2% 3.7% 3.8% 4.0% 4.0% 3.9% 3.7% 3.6% 3.5% 3.3% 3.2% 2.9% 2.5% 2.3% 2.1% 1.8% 1.2% 0.7% 0.6% 0.5% 0.5% 0.4% 0.4% 0.4% 0.3% 0.3% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
Specific provisions to exposures 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.2% 0.4% 0.6% 0.7% 0.8% 0.9% 0.9% 1.1% 1.0% 1.1% 1.0% 1.1% 1.2% 1.1% 1.1% 1.1% 1.1% 1.0% 1.0% 0.9% 0.9% 0.8% 0.6% 0.5% 0.3% 0.2% 0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
Specific provisions to impaired exposures 15.5% 14.1% 13.3% 14.0% 12.2% 13.6% 11.9% 8.5% 16.6% 8.4% 16.8% 21.5% 24.7% 25.1% 25.7% 25.4% 23.8% 25.6% 28.1% 29.4% 25.1% 27.5% 29.9% 29.6% 30.5% 30.0% 32.6% 32.5% 33.3% 34.5% 37.2% 35.9% 36.0% 37.6% 39.5% 39.2% 37.8% 36.6% 40.5% 43.2% 41.3% 43.1% 39.3% 43.4% 46.1% 46.0% 43.2% 43.7% 45.4% 38.8% 42.2% 43.7% 40.7% 45.3% 45.2% 41.9% 41.4% 38.3% 39.2% 40.5% 40.0% 34.5% 34.1%
Specific provisions and security held to impaired 75.1% 70.6% 85.4% 84.9% 88.7% 91.4% 91.8% 95.8% 100.4% 55.5% 77.0% 88.5% 85.0% 82.9% 84.8% 89.5% 90.2% 91.3% 95.8% 96.7% 95.3% 96.3% 95.0% 95.7% 94.8% 96.2% 97.6% 96.7% 98.2% 97.7% 102.2% 98.8% 98.4% 99.1% 98.9% 99.6% 97.9% 95.7% 97.3% 99.0% 95.7% 93.6% 94.3% 94.9% 93.4% 93.9% 92.1% 91.4% 93.7% 92.6% 89.7% 93.9% 91.2% 95.9% 93.7% 97.0% 96.5% 91.4% 95.6% 93.5% 92.8% 85.2% 95.7%
exposures
Non-performing commercial property exposures 1,521 1,498 1,468 1,614 1,714 1,724 2,412 2,604
of which: Exposures in Australia 1,344 1,331 1,316 1,459 1,540 1,597 2,101 2,104
Specific provisions 219 213 202 208 222 189 233 259
of which: Exposures in Australia 164 154 160 162 168 169 199 205
Specific provisions and security 1,758 1,701 1,725 1,917 2,069 2,187 2,864 3,096
of which: Exposures in Australia 1,540 1,509 1,555 1,747 1,878 2,031 2,471 2,500
Non-performing to total exposures 0.6% 0.6% 0.6% 0.6% 0.6% 0.6% 0.8% 0.9%
Specific provisions to total exposures 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
14.4% 14.2% 13.7% 12.9% 13.0% 11.0% 9.7% 10.0%
115.6% 113.6% 117.5% 118.8% 120.8% 126.9% 118.8% 118.9%
Number of entitiesa 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4
a

Table 4b Major banks' residential property exposures
Quarter end
Credit limits
Total credit limits (including redrawable amounts) 1,620,969 1,625,992 1,627,764 1,624,150 1,634,801 1,643,022 1,651,753 1,671,535 1,687,030 1,714,491 1,736,368 1,760,548 1,773,540 1,803,104 1,824,121 1,845,584 1,860,757 1,875,406 1,886,562 1,901,734
Owner-occupied 950,725 956,815 927,574 937,045 948,921 964,393 984,276 1,005,465 1,051,197 1,080,647 1,104,300 1,127,204 1,138,494 1,158,564 1,178,647 1,196,599 1,208,670 1,218,903 1,227,156 1,240,730
Investment 528,520 526,273 557,127 552,910 549,713 546,092 541,971 542,949 517,084 517,838 519,345 523,158 526,791 535,177 539,403 544,598 549,280 555,225 560,115 564,893
Non-housing 40,389 45,025 48,128 47,178 46,350 45,466 44,621 43,625 42,761 42,025 41,469 41,220 40,996 41,510 41,603 41,818 41,803 41,846 41,894 40,845
Credit outstanding
Total credit oustanding 1,420,997 1,429,236 1,426,995 1,429,958 1,434,691 1,442,470 1,446,245 1,458,588 1,470,326 1,494,266 1,511,367 1,533,844 1,547,397 1,573,886 1,589,445 1,609,240 1,623,561 1,643,143 1,652,051 1,667,387
Owner-occupied 844,188 851,023 823,668 833,551 843,833 857,592 870,998 886,658 922,561 948,406 968,827 990,303 1,001,692 1,020,266 1,035,352 1,052,488 1,063,972 1,077,450 1,084,080 1,097,575
Investment 489,553 487,703 513,290 509,582 506,079 502,897 497,751 497,546 475,536 474,956 475,033 477,971 481,249 488,814 491,289 495,239 498,931 505,137 509,294 513,536
Non-housing 34,431 38,489 41,024 40,142 39,445 38,612 37,552 36,538 35,740 35,105 34,440 34,167 33,985 34,460 34,366 34,509 34,557 34,846 34,810 33,876
Reverse mortgages 2,378 2,350 2,317 2,268 2,225 2,184 2,143 2,095 2,050 2,009 1,956 1,903 1,858 1,812 1,775 1,736 1,711 1,674 1,644 1,610

Interest-only 339,784 316,704 293,800 271,911 254,079 235,635 221,785 212,420 204,396 192,805 183,355 175,819 170,411 170,135 171,446 173,918 176,062 178,522 179,221 179,195
Owner-occupied 113,984 101,548 95,079 86,083 78,469 69,617 63,428 59,608 54,489 50,467 45,890 41,377 37,752 36,585 36,123 36,116 35,998 35,979 35,877 35,365
Investment 215,342 204,351 187,460 175,488 165,911 156,991 150,045 144,952 142,477 135,469 131,070 128,333 126,750 127,649 129,333 131,687 133,854 136,198 136,977 137,391
Non-housing 10,458 10,805 11,260 10,340 9,699 9,027 8,313 7,861 7,429 6,869 6,395 6,109 5,909 5,901 5,990 6,114 6,210 6,344 6,366 6,439
Funded ≤ 3 years ago 765,456 751,273 735,872 725,574 721,090 722,556 720,851 731,083 744,611 775,375 810,970 849,804 877,031 912,302 942,879 971,508 992,588 1,014,846 1,028,363 1,038,324
Funded > 5 years ago 320,423 331,747 342,894 353,631 362,557 373,668 384,347 395,387 401,214 406,913 405,163 405,845 404,402 407,530 407,298 406,712 406,729 404,101 399,732 396,023

LVR < 60% 358,766 363,874 364,943 367,083 371,116 367,936 370,726 372,105 373,883 379,276 383,983 391,256 398,437 410,992 429,780 429,686 441,275 458,438 469,224 482,425
60% ≤ LVR < 80% 677,514 689,031 692,281 695,936 700,769 701,156 710,749 718,972 728,928 742,545 757,017 770,179 780,325 794,963 800,695 814,540 821,290 834,842 834,360 833,813
80% ≤ LVR < 90% 251,305 246,403 245,326 246,113 245,007 252,023 253,687 257,351 258,709 263,038 264,666 268,182 267,243 268,060 263,646 269,435 266,376 258,206 257,001 258,037
90% ≤ LVR < 95% 58,802 56,684 55,053 54,393 53,237 56,329 56,067 57,310 57,609 58,753 58,263 58,281 56,569 55,005 53,177 53,118 52,785 46,869 47,113 47,772
LVR ≥ 95% 21,417 20,843 20,022 19,425 18,904 21,312 14,513 14,441 14,068 14,245 13,701 13,798 13,607 13,757 12,830 14,563 14,834 19,071 20,467 22,925
LVR not reported 368 380 358 327 324 345 558 564 641 610 669 744 744 764 880 895 900 8 18 16

LVR < 60% 222,576 226,089 218,035 220,443 224,252 224,142 225,200 227,195 235,859 241,122 245,581 252,008 257,653 267,325 281,761 282,556 291,638 303,027 310,330 319,309
60% ≤ LVR < 80% 409,798 418,044 405,856 411,139 417,002 421,472 431,374 439,183 458,538 472,129 485,844 497,273 505,580 519,735 526,336 538,256 543,500 549,251 550,049 553,315
80% ≤ LVR < 90% 156,630 153,127 149,270 151,597 152,768 158,508 162,352 166,471 172,736 177,930 180,610 183,935 182,973 182,598 178,725 182,267 179,690 175,388 173,823 173,539
90% ≤ LVR < 95% 42,788 41,656 39,389 39,474 39,105 41,624 42,892 44,605 46,345 47,926 47,890 48,044 46,657 41,959 40,346 39,949 39,348 37,466 37,213 37,238
LVR ≥ 95% 12,175 11,878 10,925 10,723 10,534 11,670 8,915 8,940 8,759 8,991 8,535 8,617 8,405 8,324 7,769 9,019 9,351 12,313 12,636 14,155
LVR not reported 220 228 194 175 173 177 265 264 325 307 367 426 423 324 417 442 446 5 28 19

LVR < 60% 122,054 122,954 130,461 130,404 130,763 128,188 130,906 130,681 124,299 124,604 125,047 125,970 127,521 130,662 135,100 134,084 136,819 141,102 143,290 147,750
60% ≤ LVR < 80% 252,192 254,076 269,312 268,021 267,276 263,562 263,247 264,112 254,163 254,272 255,104 256,678 258,457 258,896 258,109 260,077 261,491 269,186 268,456 265,207
80% ≤ LVR < 90% 91,162 87,982 90,703 89,386 87,304 88,482 86,337 85,973 81,345 80,716 79,886 80,262 80,387 81,394 80,746 82,947 82,354 79,477 80,565 82,020
90% ≤ LVR < 95% 15,168 13,989 13,924 13,271 12,562 13,097 11,606 11,180 10,365 10,070 9,797 9,826 9,651 12,412 12,227 12,593 12,805 8,938 9,594 10,247
LVR ≥ 95% 8,839 8,561 8,736 8,359 8,034 9,405 5,362 5,300 5,060 5,005 4,915 4,937 4,934 5,075 4,706 5,143 5,070 6,432 7,390 8,312
LVR not reported 138 141 153 142 141 163 293 301 304 290 285 298 300 376 401 396 393 3 0 0
Low documentation 15,027 14,418 13,236 11,196 10,728 10,221 9,707 9,210 8,796 8,212 7,698 7,242 6,689 6,432 5,961 5,637 5,410 5,105 4,827 4,585
Loans to SMSFs 8,157 7,997 7,801 7,570 7,376 7,186 6,979 6,772 6,534 6,273 6,032 5,675 5,318 4,988 4,664 4,367 4,072 3,752 3,422 3,150
Loans 30-89 days past due 11,681 11,706 10,090 10,770 12,636 10,829 7,279 8,709 8,625 8,168 7,611 6,832 7,234 6,585 5,831 7,124 8,371 8,903 9,732 10,702
Term loans 12,054 12,970 13,005 12,762 13,364 16,244 15,620 14,286 14,725 14,479 13,324 12,152 12,419 12,189 11,178 10,740 11,535 12,351 12,995 14,088
Owner-occupied 7,644 8,178 7,798 7,732 8,153 9,876 9,470 8,665 9,087 9,013 8,299 7,612 8,018 7,973 7,367 7,052 7,559 8,253 8,745 9,655
Investment 4,098 4,414 4,760 4,596 4,737 5,833 5,659 5,194 5,188 5,032 4,650 4,197 4,043 3,852 3,479 3,366 3,649 3,763 3,925 4,098

Interest-only and owner-occupied 953 904 853 722 643 772 696 543 484 453 389 313 243 200 186 147 175 216 219 289
Interest-only and investor 1,215 1,214 1,126 981 870 1,002 878 705 719 647 543 459 383 327 261 246 314 358 410 479
Loans to SMSFs 43 47 110 103 109 122 115 81 81 73 71 67 73 75 68 68 75 75 69 69
New non-performing loans during the quarter 3,743 4,142 4,017 3,546 3,956 5,818 3,124 2,626 3,693 3,355 2,648 2,214 2,563 2,463 1,949 2,191 2,990 3,267 3,350 3,804
LVR < 60% 1,753 1,933 1,941 1,938 2,048 2,458 2,537 2,283 2,345 2,341 2,153 1,995 2,097 2,146 2,071 1,941 2,036 2,178 2,224 2,428
60% ≤ LVR < 80% 4,338 4,827 4,857 4,862 5,170 6,283 6,232 5,751 6,032 5,884 5,425 5,014 5,184 5,227 4,785 4,578 4,742 5,174 5,359 5,723
80% ≤ LVR < 90% 3,364 3,519 3,607 3,455 3,608 4,388 4,236 3,916 4,075 4,035 3,682 3,258 3,279 3,094 2,764 2,681 2,930 3,124 3,355 3,693
90% ≤ LVR < 95% 1,167 1,243 1,185 1,152 1,155 1,350 1,225 1,136 1,131 1,102 1,030 926 935 881 801 770 865 895 989 *
LVR ≥ 95% 1,420 1,433 1,400 1,340 1,367 1,732 1,352 1,173 1,120 1,097 1,016 940 904 818 734 753 920 979 1,067 1,215
LVR not reported 12 15 15 15 15 35 37 27 22 20 18 20 21 23 22 19 42 2 0 *

Table 4c Major banks' new housing loans funded
(Level 2)
Quarter end
New loans funded 58,640 64,332 68,415 75,978 68,359 85,460 84,630 94,829 94,186 117,703 124,511 123,912 99,052 112,663 112,833 112,629 97,674 111,039 110,516 112,816
Term loans 57,758 63,614 67,650 75,383 67,731 84,773 83,863 94,068 93,598 116,964 123,592 123,154 98,442 112,110 112,481 112,315 97,380 110,732 110,254 112,564
Owner-occupied 39,386 42,383 44,720 50,296 45,978 57,825 57,166 64,089 64,485 82,235 84,561 82,764 65,270 74,984 76,989 75,535 64,493 71,397 71,071 72,161
Investment 17,561 20,205 21,544 23,796 20,621 25,543 25,395 28,607 27,890 32,988 37,050 38,185 31,189 34,813 33,237 34,446 30,883 37,021 36,828 38,185
Non-housing 811 1,027 1,386 1,292 1,132 1,405 1,303 1,372 1,222 1,741 1,981 2,205 1,984 2,313 2,255 2,335 2,004 2,314 2,354 2,219

Externally refinanced 20,971 22,889 25,282 26,859 26,429 38,627 35,059 35,309 34,154 44,259 49,935 44,790 33,322 41,309 49,213 51,207 47,277 53,022 53,394 37,917
Loans to SMSFs 41 56 * 32 * * 21 * * * * * * * * * * 0 0 *
Loans for units and apartments 7,271 8,158 9,050 10,319 8,996 12,334 12,003 13,156 14,080 18,545 19,116 18,346 14,148 16,329 16,050 16,730 15,454 18,221 19,141 18,074
Exceptions to serviceability policy 1,289 1,689 1,578 2,139 1,465 1,583 1,342 1,486 2,076 2,812 3,432 4,519 3,488 3,823 3,605 3,689 2,748 3,041 5,595 6,278
Serviceability verification waivers 1,282 1,557 1,433 1,568 1,667 1,622 1,699 1,591 1,797 2,042 2,489 2,871 2,678 2,817 3,315 3,289 2,848 3,755 3,584 3,906

Interest-only 12,052 14,127 13,098 13,842 12,549 15,642 16,544 19,503 19,370 22,538 24,713 25,376 20,849 24,136 22,847 22,746 19,572 22,567 21,906 23,411
Owner-occupied 4,963 5,368 5,287 5,549 5,068 5,148 6,764 9,031 9,617 9,767 9,478 9,437 8,128 9,649 8,938 8,409 6,997 7,199 7,121 7,548
Investment 6,906 8,487 7,452 7,955 7,179 10,000 9,401 10,067 9,467 12,294 14,713 15,280 12,195 13,841 13,250 13,642 12,065 14,714 14,169 15,218

Loan-to-income ≥ 4x < 6x 15,452 17,101 18,283 20,319 18,456 20,059 21,345 25,939 26,396 35,155 36,689 36,536 29,106 33,638 32,434 32,258 25,660 27,554 26,556 27,653
Loan-to-income ≥ 6x 3,033 3,281 4,199 4,905 4,378 4,879 5,396 7,235 8,575 12,945 14,210 15,419 11,606 13,048 9,012 5,673 3,732 3,745 3,955 4,507
Debt-to-income ≥ 4x < 6x 24,673 27,597 28,506 31,871 28,789 33,255 34,623 39,106 40,189 50,460 52,816 51,664 42,286 49,144 52,810 54,784 46,609 51,505 50,885 52,692
Debt-to-income ≥ 6x 9,290 9,969 11,644 13,499 11,743 14,201 14,839 17,953 19,606 28,156 31,913 33,987 26,231 28,336 21,064 13,668 8,446 8,090 7,708 7,728

LVR < 60% 11,457 12,550 13,075 14,223 13,106 16,173 15,210 16,168 16,576 21,614 23,670 24,284 20,327 25,917 27,744 28,171 25,575 29,396 29,394 27,821
60% ≤ LVR < 80% 23,751 26,245 27,371 30,294 27,164 36,364 33,601 36,402 36,413 47,358 50,787 49,157 39,595 46,341 46,845 47,080 41,283 45,987 46,493 46,430
80% ≤ LVR < 90% 16,918 18,828 20,250 22,967 20,132 24,515 26,276 30,389 30,201 37,251 38,881 38,997 29,961 31,896 30,415 29,976 24,461 29,137 28,592 30,594
90% ≤ LVR < 95% 4,908 5,299 5,995 6,813 6,146 6,662 7,610 9,680 9,193 9,506 8,775 9,258 7,420 6,920 6,061 5,523 4,616 4,793 4,461 5,557
LVR ≥ 95% 724 692 959 1,086 1,183 1,059 1,166 1,430 1,215 1,234 1,479 1,458 1,139 1,036 1,416 1,566 1,445 1,419 1,313 2,162

LVR < 60% 7,671 8,119 8,490 9,269 8,602 10,496 9,793 10,250 10,754 14,531 15,561 15,900 13,169 17,495 19,443 19,519 17,494 19,765 19,883 17,895
60% ≤ LVR < 80% 15,050 16,272 16,959 18,846 17,584 23,808 21,560 23,155 23,776 31,551 32,992 31,111 25,070 29,808 31,135 30,563 26,434 28,763 29,445 29,033
80% ≤ LVR < 90% 11,546 12,572 13,461 15,540 13,575 16,920 18,314 21,254 21,313 26,710 26,985 26,403 19,545 20,754 19,829 19,309 15,368 17,736 16,983 18,903
90% ≤ LVR < 95% 4,501 4,812 5,068 5,786 5,170 5,702 6,512 8,209 7,611 8,388 7,753 8,133 6,528 6,016 5,329 4,770 3,935 3,924 3,621 4,462
LVR ≥ 95% 620 609 742 854 1,047 900 988 1,222 1,032 1,056 1,270 1,218 958 912 1,254 1,374 1,262 1,209 1,140 1,868

LVR < 60% 3,457 4,028 4,158 4,571 4,140 5,198 4,987 5,492 5,443 6,560 7,547 7,730 6,591 7,742 7,667 7,979 7,463 8,982 8,883 9,007
60% ≤ LVR < 80% 8,359 9,544 9,640 10,696 9,176 12,030 11,564 12,713 12,164 15,085 16,991 17,109 13,714 15,531 14,799 15,631 14,168 16,504 16,348 16,436
80% ≤ LVR < 90% 5,254 6,087 6,626 7,291 6,213 7,223 7,583 8,744 8,546 10,077 11,311 12,019 9,842 10,537 9,898 9,913 8,413 10,472 10,597 11,378
90% ≤ LVR < 95% 392 473 908 1,009 961 944 1,086 1,455 1,560 1,097 1,003 1,098 873 884 720 740 667 862 830 1,080
LVR ≥ 95% 100 73 213 228 132 148 175 203 177 170 198 229 169 119 152 183 172 202 171 284


Table 5a Other domestic banks' commercial property exposures
Quarter end

Office 5,751 5,442 6,153 6,715 6,520 8,108 8,940 10,335 11,919 12,306 6,260 6,035 6,295 6,176 6,133 5,851 4,899 4,605 3,913 3,934 3,540 3,718 3,849 3,943 3,816 3,814 3,752 3,953 3,430 3,927 3,892 3,989 4,004 4,405 4,239 4,133 4,400 4,396 4,103 4,048 4,181 3,950 3,681 3,629 3,649 3,433 3,404 3,466 3,369 3,117 2,814 2,891 2,986 2,993 3,100 3,204 3,306 3,387 3,300 3,672 3,663 3,663 3,792 3,900 3,986 3,944 4,003 4,294 4,472 4,655 4,711
Retail 2,184 2,956 4,010 3,327 3,540 3,597 3,603 4,177 5,390 5,771 3,868 3,715 3,481 3,585 3,373 3,326 3,127 2,890 3,092 2,903 2,923 2,853 2,954 2,802 2,830 2,589 2,678 2,730 2,055 2,041 2,067 2,018 1,924 1,904 1,965 1,905 2,030 1,867 1,753 1,616 1,625 1,620 2,109 2,093 2,057 2,131 2,207 2,430 2,419 2,638 2,749 2,771 2,831 2,838 2,969 3,067 3,129 3,301 3,407 3,856 3,983 4,210 4,092 4,281 4,633 4,690 4,772 5,157 5,303 5,859 5,690
Industrial 968 1,366 1,464 1,609 1,703 1,768 1,876 2,143 2,419 2,626 1,726 1,597 1,577 1,406 1,452 1,311 1,363 1,273 1,199 1,178 1,182 1,319 1,414 1,560 1,448 1,467 1,552 1,581 1,405 1,527 1,575 1,604 1,553 1,578 1,592 1,557 1,557 1,495 1,588 1,699 1,568 1,444 1,680 1,757 1,765 1,727 1,825 1,879 1,907 1,976 2,042 2,034 2,045 2,083 2,112 2,274 2,333 2,452 2,512 2,775 2,893 3,142 3,072 3,061 3,092 3,278 3,646 3,780 3,843 4,271 4,624
Land development/subdivisions 2,317 1,718 2,026 2,205 2,517 3,224 4,568 4,062 4,324 4,289 2,181 1,875 1,809 1,707 1,569 1,466 1,096 834 822 817 864 918 1,028 1,123 1,136 1,105 1,113 1,044 994 1,036 1,096 1,085 1,128 1,114 1,173 1,145 1,190 1,144 1,107 1,146 1,125 1,211 1,360 1,512 1,602 1,550 1,579 1,548 1,494 1,304 1,169 1,043 905 883 946 932 929 864 861 853 999 1,030 1,074 1,132 1,046 989 923 1,054 1,032 937 924
Tourism and leisure 301 481 494 536 660 777 593 721 973 1,042 844 709 693 650 718 737 875 792 752 728 789 749 936 992 962 905 1,278 1,131 1,083 1,151 957 1,392 1,243 1,340 1,247 1,498 1,460 1,289 1,255 1,238 1,158 1,029 933 901 829 841 764 740 739 721 407 374 366 398 360 376 398 437 427 424 470 453 462 551 560 520 522 554 572 611 842
Other 1,333 1,261 1,546 2,090 2,191 2,769 3,217 3,460 3,542 4,652 737 788 1,034 956 844 983 884 859 895 835 726 696 851 950 897 890 991 913 406 482 480 545 584 460 480 510 560 536 599 655 683 969 952 1,023 969 875 913 911 923 989 892 965 1,007 1,140 1,177 1,331 1,288 1,318 1,325 1,370 1,423 1,401 1,423 1,373 1,434 1,477 1,514 1,607 1,620 1,506 1,370
of which: Exposure limits in Australia 16,204 18,155 20,613 21,364 22,051 24,789 26,035 30,308 34,870 37,248 22,454 21,202 21,028 20,027 18,976 18,004 16,749 15,384 14,281 13,587 12,993 13,040 14,562 14,864 14,341 14,079 14,453 14,420 11,873 12,429 12,295 12,490 12,492 12,951 13,354 13,489 13,773 13,572 13,483 13,560 13,713 14,133 13,615 13,456 13,678 13,835 13,802 14,077 14,063 * * * * * 13,639 14,241 14,454 14,928 15,066 16,301 16,644 17,424 17,450 17,931 18,366 18,560 19,108 20,233 20,601 21,537 21,421

Office 5,184 4,891 5,591 5,697 6,172 7,523 8,236 9,723 10,975 11,214 5,433 5,343 5,802 5,797 5,806 5,652 4,774 4,207 3,824 3,879 3,477 3,648 3,741 3,728 3,632 3,629 3,577 3,818 3,316 3,569 3,688 3,768 3,838 4,203 4,056 3,957 4,196 4,211 3,919 3,898 4,051 3,839 3,526 3,329 3,369 3,163 3,169 3,244 3,226 3,008 2,698 2,762 2,837 2,801 2,880 2,909 3,063 3,165 3,076 3,504 3,533 3,501 3,647 3,794 3,893 3,852 3,917 4,230 4,410 4,564 4,615
Retail 2,057 2,817 2,788 3,079 3,349 3,419 3,365 3,878 4,781 5,110 3,390 3,323 3,197 3,343 3,231 3,194 3,005 2,824 2,918 2,860 2,868 2,729 2,887 2,717 2,744 2,490 2,598 2,635 1,955 1,934 1,975 1,886 1,792 1,788 1,868 1,802 1,921 1,801 1,654 1,517 1,564 1,568 1,927 1,913 1,916 1,956 2,046 2,285 2,290 2,509 2,611 2,635 2,707 2,708 2,800 2,884 2,955 3,080 3,219 3,709 3,823 4,047 3,927 4,122 4,474 4,480 4,559 5,033 5,146 5,726 5,566
Industrial 883 1,211 1,298 1,428 1,594 1,661 1,738 1,973 2,204 2,447 1,585 1,496 1,490 1,355 1,411 1,282 1,322 1,246 1,169 1,157 1,146 1,280 1,364 1,502 1,390 1,401 1,482 1,507 1,339 1,448 1,471 1,469 1,461 1,465 1,476 1,477 1,465 1,405 1,511 1,612 1,503 1,372 1,512 1,567 1,603 1,574 1,684 1,744 1,765 1,838 1,898 1,904 1,898 1,929 1,986 2,130 2,163 2,282 2,339 2,595 2,709 2,959 2,886 2,855 2,894 3,074 3,437 3,659 3,737 4,159 4,329
Land development/subdivisions 1,571 1,254 1,484 1,567 2,023 2,350 2,416 2,973 3,482 3,647 1,830 1,630 1,543 1,512 1,397 1,243 876 773 762 773 809 843 954 1,043 1,022 1,021 1,019 941 893 936 937 892 941 904 1,025 1,018 1,051 945 942 1,016 974 1,050 832 913 1,026 1,051 1,032 1,042 1,032 974 868 837 720 717 737 757 740 695 688 654 755 760 794 852 857 801 765 975 959 852 843
Tourism and leisure 274 450 458 484 612 514 541 620 857 887 706 609 593 595 682 695 855 782 724 726 786 746 919 953 913 887 1,195 1,062 1,020 1,049 826 982 1,151 1,274 1,182 1,227 1,390 1,213 1,172 1,174 1,112 987 806 776 704 726 669 668 665 675 371 339 338 363 332 346 378 423 415 410 443 437 436 523 536 499 495 542 560 600 834
Other 1,067 1,092 1,368 1,661 1,985 2,513 2,968 3,233 3,406 4,485 580 580 814 746 665 792 696 639 665 575 563 526 668 716 682 662 777 745 380 444 445 517 559 418 440 459 467 458 493 546 605 909 867 945 909 806 853 852 851 921 830 903 920 1,019 1,067 1,182 1,156 1,176 1,216 1,281 1,309 1,282 1,291 1,241 1,313 1,375 1,410 1,531 1,560 1,443 1,317
of which: Exposures in Australia 13,395 15,173 16,687 17,646 19,536 21,604 22,890 26,620 30,531 32,647 18,665 18,073 18,345 17,934 17,469 16,711 15,477 14,068 13,260 12,944 12,356 12,269 13,697 13,809 13,386 13,149 13,467 13,430 11,075 11,310 11,288 11,308 11,336 11,669 12,128 12,251 12,363 12,132 12,022 12,162 12,543 13,053 11,380 11,171 11,513 11,748 11,832 12,223 12,294 * * * * * 12,329 12,840 13,137 13,556 13,764 15,120 15,426 15,892 15,885 16,408 16,996 17,194 17,746 19,526 19,916 20,826 20,760
Impaired Commercial property exposures 74 28 31 81 105 106 251 307 431 1,419 1,638 1,892 2,212 2,181 2,428 2,417 2,412 2,616 2,613 2,624 2,566 2,552 2,638 2,704 2,335 2,182 2,034 1,763 625 521 405 344 253 238 197 231 382 305 318 151 164 161 177 150 141 155 130 106 138 134 128 124 97 112 124 114 98 97 102 100 86 75 68
of which: Exposures in Australia 74 28 31 81 105 106 210 219 360 1,042 1,555 1,808 2,122 2,107 2,390 2,391 2,366 2,587 2,586 2,597 2,545 2,530 2,618 2,684 2,315 2,151 2,002 1,746 608 504 387 328 238 224 183 218 368 305 318 151 164 161 177 150 141 155 130 106 138 134 128 124 * * 124 114 98 97 102 100 86 75 68
Specific provisions 11 3 4 8 23 29 23 49 54 180 229 329 496 517 558 570 460 540 480 510 497 512 555 645 629 540 516 422 263 231 195 137 119 111 95 91 91 84 110 37 41 42 44 46 41 50 59 49 54 52 57 55 37 42 48 50 32 31 32 33 32 29 24
of which: Exposures in Australia 11 3 4 8 23 29 23 26 50 115 212 311 475 502 552 566 456 537 476 506 494 508 551 639 623 532 508 414 254 220 184 125 107 99 83 78 77 84 110 37 41 42 44 46 41 50 59 49 54 52 57 55 * * 48 50 32 31 32 33 32 29 24
Specific provisions and security 66 20 22 74 106 111 233 302 405 1,404 1,698 1,965 2,280 2,251 2,515 2,519 2,467 2,670 2,674 2,676 2,623 2,618 2,732 2,831 2,521 2,221 2,136 1,851 651 537 426 358 266 250 213 244 375 313 307 141 161 156 165 141 126 141 134 111 145 127 132 129 105 112 128 122 94 92 98 97 96 84 78
of which: Exposures in Australia 66 20 22 74 106 111 192 202 330 1,008 1,607 1,873 2,190 2,169 2,474 2,493 2,420 2,641 2,647 2,649 2,601 2,596 2,712 2,811 2,497 2,189 2,104 1,833 634 520 408 343 252 236 199 231 362 313 307 141 161 156 165 141 126 141 134 111 145 127 132 129 * * 128 122 94 92 98 97 96 84 78
Specific provisions to impaired exposures 14.4% 9.4% 11.7% 10.0% 21.7% 27.5% 9.3% 15.9% 12.5% 12.7% 14.0% 17.4% 22.4% 23.7% 23.0% 23.6% 19.1% 20.6% 18.4% 19.4% 19.4% 20.0% 21.0% 23.9% 26.9% 24.8% 25.4% 23.9% 42.1% 44.4% 48.1% 39.8% 46.9% 46.5% 48.5% 39.5% 23.7% 27.5% 34.7% 24.6% 24.9% 26.3% 24.8% 30.8% 28.8% 32.4% 45.2% 46.1% 39.5% 38.3% 44.5% 44.5% 37.7% 37.3% 38.9% 43.8% 32.9% 31.6% 31.6% 32.6% 36.8% 37.9% 35.0%
Specific provisions and security held to impaired 90.2% 70.6% 68.9% 91.3% 101.7% 105.3% 92.8% 98.2% 93.8% 98.9% 103.7% 103.8% 103.1% 103.2% 103.6% 104.2% 102.3% 102.1% 102.3% 102.0% 102.2% 102.6% 103.5% 104.7% 108.0% 101.8% 105.0% 105.0% 104.2% 103.1% 105.1% 104.2% 105.4% 105.0% 108.3% 105.5% 98.3% 102.7% 96.6% 93.3% 97.9% 96.7% 93.1% 94.2% 89.2% 90.8% 103.4% 105.0% 105.0% 94.4% 102.6% 104.1% 108.0% 100.3% 102.6% 107.5% 96.8% 94.3% 96.2% 96.8% 111.4% 111.6% 114.6%
exposures
Non-performing commercial property exposures 274 249 164 195 313 294 326 268
Specific provisions and security 339 358 212 203 340 315 371 305
8.8% 8.8% 7.1% 8.0% 9.3% 9.5% 11.2% 11.3%
123.8% 143.9% 129.1% 103.9% 108.8% 107.3% 113.7% 114.0%
Number of entitiesa 9 9 9 9 9 9 9 9 8 8 7 7 6 6 6 6 6 6 6 6 6 7 9 11 12 12 13 14 15 16 16 16 16 17 19 19 20 20 21 22 23 26 26 27 28 28 29 31 31 31 31 34 34 37 38 38 39 39 39 38 37 36 36 36 36 35 35 36 36 37 37
a

Table 5b Other domestic banks' residential property exposures
Quarter end
Credit limits
Owner-occupied 181,776 182,571 188,124 195,216 200,642 205,695 211,210 219,585 227,773 233,396 240,110 244,942 254,077 264,738 271,141 279,352 299,148 304,843 309,797 316,210
Investment 74,560 74,862 77,671 81,252 83,745 85,474 87,223 89,090 91,332 93,364 96,459 106,431 111,423 115,513 118,542 120,935 126,101 127,242 128,530 130,315
Non-housing 10,803 10,688 10,434 10,592 10,682 10,720 10,880 11,112 11,200 11,356 11,492 10,650 10,966 10,994 11,048 11,103 11,022 10,958 11,215 11,303
Credit outstanding
Owner-occupied 163,389 164,401 169,177 175,731 180,478 184,932 189,039 196,559 203,634 209,383 215,027 219,541 228,394 238,684 243,932 251,554 269,491 275,344 279,966 285,720
Investment 69,208 69,626 72,235 75,643 77,929 79,606 81,087 82,784 84,848 86,899 89,650 98,803 103,572 107,418 109,984 112,083 116,728 117,880 119,178 120,772
Non-housing 9,030 8,970 8,645 8,779 8,858 8,882 8,964 9,171 9,238 9,414 9,478 8,729 8,987 9,040 9,065 9,087 8,968 8,916 9,112 9,167
Reverse mortgages 321 322 323 324 323 * * * * * * * * * * * * * * *

Interest-only 47,828 45,079 44,074 43,836 43,137 43,377 42,910 42,914 43,054 42,907 43,194 43,450 44,942 46,803 47,772 48,930 50,515 50,727 50,827 50,820
Owner-occupied 14,057 12,848 11,973 11,296 10,504 10,575 10,268 10,262 10,321 10,190 9,876 8,986 8,764 8,934 8,766 8,864 8,867 8,668 8,468 8,236
Investment 31,872 30,397 30,327 30,782 30,905 30,994 30,809 30,816 30,930 30,885 31,428 32,759 34,321 35,945 37,006 38,016 39,578 39,956 40,185 40,403
Non-housing 1,900 1,834 1,774 1,758 1,729 1,808 1,834 1,836 1,803 1,833 1,890 1,706 1,857 1,924 2,000 2,051 2,070 2,103 2,173 2,182
Funded ≤ 3 years ago 148,953 148,069 153,593 160,523 163,909 165,631 169,151 176,170 182,393 188,978 198,402 212,609 228,240 243,864 251,818 259,458 274,028 282,166 288,083 291,839
Funded > 5 years ago 47,576 48,828 50,139 52,239 54,694 57,187 59,051 60,239 62,149 63,488 63,285 63,325 63,551 64,236 64,394 65,243 70,178 70,149 69,711 70,554

LVR < 60% 75,490 75,985 78,839 82,200 84,736 87,319 90,013 93,206 96,488 98,785 102,960 109,524 116,727 125,160 131,722 138,156 138,142 143,497 147,366 153,201
60% ≤ LVR < 80% 115,902 117,219 121,206 126,731 131,050 133,319 134,825 139,542 145,003 150,443 155,699 162,472 170,667 178,045 181,286 185,636 204,781 207,382 210,535 212,908
80% ≤ LVR < 90% 35,918 35,693 36,165 37,223 37,724 38,446 39,416 40,542 41,028 41,494 41,454 41,171 40,738 39,791 38,708 38,228 41,965 41,383 40,542 40,028
90% ≤ LVR < 95% 10,074 9,972 9,817 9,922 9,791 10,194 10,760 11,355 11,546 11,385 10,897 10,856 10,065 9,431 8,677 8,206 8,345 7,955 7,648 7,427
LVR ≥ 95% * 4,030 * * * 4,021 3,954 3,741 3,545 * 3,028 2,938 * 2,623 2,499 * * * * *
LVR not reported * 99 * * * 120 122 129 110 * 118 110 * 91 89 * * * * *

LVR < 60% 50,928 51,233 53,250 55,311 56,960 58,646 60,466 62,683 65,141 66,878 69,618 72,834 77,638 83,792 88,374 93,068 94,519 98,703 101,508 105,760
60% ≤ LVR < 80% 77,181 78,036 80,576 83,991 86,678 88,249 89,122 92,725 96,668 100,327 104,030 106,080 111,511 117,059 119,337 123,073 137,340 139,599 142,308 144,521
80% ≤ LVR < 90% 24,694 24,616 25,040 25,848 26,300 26,892 27,706 28,814 29,401 29,926 29,809 29,175 28,653 27,795 26,934 26,538 28,934 28,556 27,862 27,402
90% ≤ LVR < 95% 7,586 7,607 7,535 7,770 7,819 8,278 8,916 9,675 9,990 9,963 9,619 9,588 8,947 8,422 7,756 7,371 7,400 7,160 6,909 6,714
LVR ≥ 95% 2,967 2,881 2,743 * * 2,838 2,804 2,632 * * * * * * * * * * * *
LVR not reported 33 29 34 * * 29 25 29 * * * * * * * * * * * *

LVR < 60% 20,631 20,892 21,810 22,983 23,776 24,631 25,395 26,212 26,963 27,314 28,603 32,240 34,430 36,573 38,504 40,185 38,983 40,134 41,214 42,676
60% ≤ LVR < 80% 34,804 35,187 36,802 38,876 40,472 41,184 41,825 42,847 44,348 46,111 47,681 52,785 55,470 57,357 58,290 58,909 63,816 63,945 64,385 64,602
80% ≤ LVR < 90% 10,453 10,339 10,446 10,715 10,793 10,929 11,096 11,144 11,075 11,117 11,158 11,580 11,698 11,639 11,449 11,372 12,583 12,514 12,366 12,327
90% ≤ LVR < 95% 2,403 2,302 2,211 2,087 1,916 1,869 1,797 1,637 1,515 1,373 1,252 1,241 1,094 984 898 818 835 782 726 700
LVR ≥ 95% * * * * 951 968 * 923 * * * * * * * * * * * *
LVR not reported * * * * 21 24 * 22 * * * * * * * * * * * *
Low documentation 1,624 1,570 1,477 1,405 1,365 1,302 1,232 1,142 1,097 1,023 942 883 826 768 705 672 620 578 539 520
Loans to non-residents 917 934 936 979 1,020 1,060 1,088 1,192 1,195 1,257 1,332 1,400 1,428 1,469 1,463 1,446 1,534 1,479 1,479 1,498
Loans to SMSFs 2,718 2,713 2,666 2,755 2,710 2,666 2,629 2,571 2,521 2,436 2,315 2,173 2,063 1,940 1,810 1,710 1,597 1,463 1,349 1,236
Loans 30-89 days past due 1,832 1,631 1,355 1,497 1,729 1,750 1,080 1,458 1,489 1,338 1,201 1,226 1,258 1,089 967 1,376 1,656 1,766 1,648 2,098
Term loans 2,062 2,201 2,254 2,215 2,448 2,568 2,299 2,158 2,421 2,470 1,991 1,948 1,985 2,042 1,947 1,936 2,213 2,451 2,743 2,914
Owner-occupied 1,492 1,595 1,635 1,608 1,786 1,853 1,652 1,524 1,715 1,782 1,429 1,363 1,379 1,451 1,384 1,395 1,609 1,795 2,008 2,151
Investment * * * * * 615 557 552 616 608 487 524 534 519 499 473 533 586 650 676
Non-housing purposes * * * * * 100 89 82 90 80 74 61 72 72 65 69 71 71 85 87

Interest-only and owner-occupied 105 103 111 84 96 98 90 86 110 93 * * 50 46 41 40 46 50 47 51
Interest-only and investor 165 160 159 141 148 157 132 136 156 138 * 94 83 81 82 * 95 113 145 146
Loans to non-residents * * * * * * * * * * * * * * * * * * * *
Loans to SMSFs * * * * * * * * * * * * * * * * * * * *
Loans for units or apartments 137 154 165 168 200 225 231 * * * * * * * * * * * * *
New non-performing loans during the quarter 645 609 577 504 717 712 384 409 808 653 411 398 455 446 333 376 585 689 803 794
LVR < 60% 336 361 381 371 422 453 411 413 465 502 399 417 460 495 499 522 577 628 706 776
60% ≤ LVR < 80% 737 801 842 803 952 1,007 886 803 957 978 787 782 842 861 837 826 975 1,068 1,209 1,298
80% ≤ LVR < 90% 521 543 552 547 565 587 538 503 565 577 461 418 405 417 375 361 413 478 550 547
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% 256 274 271 285 298 322 286 270 262 237 196 176 148 152 133 127 128 131 125 124
LVR not reported * * * * * * * * * * * * * * * * * * * *

Table 5c Other domestic banks' new housing loans funded
(Level 2)
Quarter end
New loans funded 13,743 14,908 18,414 21,818 18,612 18,314 21,380 25,105 24,737 27,800 31,182 34,350 33,154 35,781 30,323 29,495 26,142 30,136 32,611 30,790
Term loans * * * * * 18,249 21,329 25,053 24,696 27,739 31,121 34,188 33,028 35,637 30,178 29,338 25,990 30,028 32,495 30,687
Owner-occupied 9,568 10,391 12,422 14,663 12,478 12,573 15,064 18,148 17,658 19,407 21,081 22,778 21,897 23,504 19,696 19,741 18,248 20,999 22,386 20,755
Investment 3,729 4,046 5,403 6,475 5,529 5,131 5,744 6,322 6,486 7,644 9,249 10,694 10,481 11,348 9,705 8,940 7,211 8,415 9,486 9,238
Non-housing * * * * * 545 521 582 552 688 791 716 650 784 777 657 531 614 624 694
Revolving credits * * * * * 66 52 53 41 60 61 162 126 144 145 157 152 108 116 103

Loans to SMSFs * * * * * * * * 21 * * * * * * * * * * *
Loans to non-residents 26 46 46 56 72 110 69 * * * * * 93 * * * 66 66 79 95
Loans for units and apartments 1,485 1,623 2,307 2,750 2,199 1,967 2,354 2,985 2,323 2,634 2,985 3,295 2,877 3,350 2,931 2,961 2,335 2,810 3,545 3,285
Exceptions to serviceability policy 351 442 426 518 416 429 480 497 533 523 647 729 1,015 972 748 810 746 811 851 705
Serviceability verification waivers 189 164 194 219 187 171 178 238 234 328 378 * 415 458 415 * 378 400 499 441

Interest-only 2,351 2,668 3,564 4,182 3,658 3,665 3,854 4,453 4,468 4,958 5,760 6,117 5,647 6,409 5,610 5,138 4,124 4,682 5,086 5,078
Owner-occupied 798 952 957 1,120 1,046 1,105 1,300 1,737 * * * 1,682 1,416 1,699 1,495 1,469 1,150 1,229 1,263 1,277
Investment 1,474 1,623 2,464 2,894 2,467 2,391 2,403 2,564 2,520 2,924 3,794 4,180 4,018 4,460 3,846 3,471 2,820 3,272 3,636 3,610
Non-housing purposes 79 93 143 168 145 169 151 152 * * * 256 213 250 270 199 154 180 186 191

Loan-to-income ≥ 4x < 6x 3,489 3,804 4,692 5,914 5,044 5,197 5,867 7,328 7,220 8,427 9,193 10,196 10,366 10,884 8,757 8,005 6,604 6,486 6,213 5,798
Loan-to-income ≥ 6x 506 544 739 1,127 1,001 1,055 1,007 1,207 1,304 1,695 2,052 2,172 2,259 2,072 1,237 748 376 283 260 237
Debt-to-income ≥ 4x < 6x 5,511 5,981 7,530 9,084 7,724 7,870 9,160 11,239 10,972 12,548 14,249 15,973 15,680 17,008 14,549 13,945 12,018 12,541 12,672 11,775
Debt-to-income ≥ 6x 1,497 1,669 1,604 2,679 2,463 2,464 2,556 2,994 3,267 3,981 4,903 5,018 5,038 4,888 3,409 2,052 1,083 748 548 498

LVR < 60% 3,664 3,766 4,755 5,181 4,335 4,279 5,290 5,651 5,603 6,720 8,659 9,992 9,977 11,588 10,427 9,964 8,708 10,197 11,253 9,950
60% ≤ LVR < 80% 6,234 6,506 8,127 9,894 8,417 7,893 9,203 10,934 11,046 12,793 14,437 15,474 15,378 15,912 13,297 12,923 11,526 13,268 14,471 13,594
80% ≤ LVR < 90% 2,696 3,324 4,162 5,076 4,357 4,301 4,724 6,134 6,162 6,440 6,422 6,808 6,299 6,583 5,245 5,326 4,776 5,539 5,860 6,198
90% ≤ LVR < 95% * * * * * * * 1,793 1,539 1,441 1,239 1,356 981 1,058 828 828 733 779 671 691
LVR ≥ 95% * * * * * * * 541 347 344 364 558 392 496 381 296 247 244 242 255

LVR < 60% 2,558 2,648 3,214 3,438 2,839 2,856 3,601 3,885 3,869 4,548 5,756 6,559 6,676 7,800 6,954 6,738 6,183 7,332 7,861 6,834
60% ≤ LVR < 80% 4,161 4,349 5,269 6,386 5,372 5,094 6,116 7,446 7,458 8,594 9,514 10,056 10,138 10,426 8,544 8,696 8,036 9,150 9,948 9,241
80% ≤ LVR < 90% 1,896 2,314 2,800 3,446 3,008 3,014 3,412 4,658 4,593 4,638 4,368 4,430 3,886 3,912 3,134 3,290 3,155 3,584 3,756 3,833
90% ≤ LVR < 95% * * * * * 1,095 1,399 * * * * * * * * * * * * *
LVR ≥ 95% * * * * * 514 536 * * * * * * * * * * * * *

LVR < 60% 966 973 1,349 1,519 * 1,234 1,488 1,573 * * * 3,137 3,018 3,443 3,114 2,908 2,272 2,594 3,087 2,782
60% ≤ LVR < 80% 1,898 1,976 2,630 3,259 2,798 2,571 2,873 3,216 3,338 3,899 4,587 5,099 4,959 5,156 4,436 3,979 3,258 3,853 4,268 4,085
80% ≤ LVR < 90% * 951 1,283 1,530 1,258 1,178 1,222 1,377 1,471 1,690 1,924 2,287 2,336 2,578 2,018 1,950 1,573 1,880 2,042 2,279
90% ≤ LVR < 95% * * * * * 93 95 107 89 113 105 132 117 110 102 81 * * * *
LVR ≥ 95% * * * * * 55 67 51 * * * 40 51 62 35 22 * * * *


Table 6a Foreign subsidiary banks' commercial property exposures
Quarter end

Office 1,479 1,704 1,743 1,899 2,185 2,713 2,730 3,305 2,657 3,087 2,531 2,403 2,208 2,425 2,169 2,180 2,215 2,194 2,225 2,317 2,298 2,217 2,116 2,290 2,490 2,345 2,342 2,162 2,013 1,999 1,903 1,918 1,875 1,192 1,233 1,226 1,396 1,507 1,475 1,350 1,309 1,516 1,648 1,910 2,006 2,198 2,224 2,219 2,596 2,598 3,065 3,169 3,612 3,644 3,832 3,771 3,881 3,788 3,733 3,776 3,696 3,815 3,719 3,504 3,704 3,603 3,499 3,293 3,269 2,896 2,794
Retail 1,137 1,318 1,369 1,556 1,842 2,644 2,783 2,779 3,069 2,815 886 875 823 793 841 825 810 839 776 725 688 676 640 576 552 724 597 565 578 530 498 499 572 428 429 428 475 466 591 686 672 774 832 852 928 953 1,026 1,144 1,161 955 1,038 1,070 857 855 907 1,041 1,038 1,120 1,111 1,097 1,079 1,038 975 1,021 984 871 934 886 864 1,060 1,039
Industrial 2,174 2,468 2,470 3,030 3,413 3,568 3,778 4,356 4,579 4,896 1,663 1,707 1,771 1,572 1,325 1,342 1,330 1,209 1,226 1,385 1,435 1,335 1,315 1,147 1,224 1,268 1,293 1,292 1,253 1,238 1,265 1,118 1,084 1,068 1,099 1,060 1,202 1,277 1,242 1,144 1,125 1,070 1,097 1,178 1,140 1,170 1,103 1,214 1,355 1,384 1,361 1,373 1,387 1,461 1,532 1,561 1,721 1,736 1,819 1,884 1,982 1,832 1,948 1,957 1,936 2,533 2,469 2,505 2,440 2,404 2,615
Land development/subdivisions 988 1,180 1,484 1,779 1,991 3,071 3,380 3,817 3,692 3,410 1,882 2,054 1,899 1,632 1,491 1,436 1,359 1,129 1,240 1,359 1,375 1,435 1,347 1,244 1,230 1,130 1,152 1,048 1,149 1,208 980 956 802 739 765 843 935 991 972 1,184 1,182 1,143 1,004 1,131 1,182 979 1,035 1,126 1,175 1,062 778 693 697 821 783 755 746 676 530 501 523 502 521 609 713 818 804 810 732 610 642
Other residential 1,568 1,724 1,779 1,925 1,804 2,429 2,335 2,736 2,835 2,610 1,935 1,891 1,778 1,801 1,708 1,760 1,792 1,874 1,809 1,804 1,725 1,590 1,492 1,079 1,084 1,034 1,047 1,054 1,093 1,107 1,097 1,065 963 920 941 1,101 1,144 1,201 1,219 1,342 1,345 1,390 1,402 1,596 1,611 1,795 1,680 1,705 1,540 1,260 1,238 1,218 1,228 1,085 1,091 1,054 1,036 997 990 1,002 947 926 907 783 800 762 723 722 738 708 690
Tourism and leisure 166 179 163 215 323 495 504 612 771 407 146 150 136 131 124 120 115 116 125 137 126 125 125 88 30 31 53 62 53 66 53 66 46 23 23 21 20 19 20 20 13 13 11 8 8 13 14 14 14 16 9 16 20 21 21 21 20 22 21 19 19 14 14 50 52 54 53 10 10 7 7
Other 1,669 1,979 1,998 2,056 1,755 1,759 1,865 2,020 2,430 3,315 815 806 639 618 609 643 554 510 488 475 462 453 453 218 192 177 187 201 205 236 225 101 113 98 1,003 991 983 1,007 1,017 935 924 1,059 1,053 1,063 1,085 1,087 1,094 1,082 1,117 320 307 324 318 411 395 332 323 318 310 331 323 340 328 334 311 304 284 336 323 460 451
of which: Exposure limits in Australia 9,084 10,436 10,881 12,303 13,078 16,410 17,210 19,429 19,823 20,253 9,596 9,637 9,064 8,717 8,022 8,050 7,946 7,645 7,608 7,962 7,872 7,601 7,221 6,377 6,632 6,538 6,628 6,342 6,303 6,384 6,021 5,722 5,453 4,468 5,492 5,669 6,154 6,467 6,536 6,660 6,568 6,964 7,047 7,738 7,960 8,195 8,174 8,504 8,957 * * * * * 8,380 8,383 8,631 8,528 8,395 8,488 8,446 8,353 8,299 8,221 8,461 8,903 8,727 8,561 8,375 8,145 8,238

Office 1,353 1,506 1,637 1,782 2,052 2,286 2,410 2,946 2,501 2,811 2,248 2,211 2,074 2,235 2,119 2,012 2,082 2,026 2,078 2,126 2,127 2,051 1,956 2,162 2,353 2,175 2,217 2,006 1,919 1,975 1,826 1,876 1,804 1,142 1,237 1,215 1,340 1,446 1,367 1,299 1,269 1,426 1,545 1,822 1,930 2,069 2,017 2,006 2,321 2,322 2,731 2,777 3,262 3,278 3,550 3,578 3,717 3,621 3,537 3,600 3,606 3,692 3,618 3,419 3,623 3,519 3,391 3,154 3,159 2,796 2,696
Retail 1,076 1,028 1,133 1,302 1,621 2,009 2,157 2,189 2,340 2,575 852 852 810 779 789 780 761 806 743 716 679 667 624 556 540 647 519 488 495 526 497 495 446 394 395 399 445 434 554 624 630 660 738 764 823 880 943 998 954 837 923 945 794 796 841 969 974 1,044 1,034 1,020 1,025 1,018 950 1,006 960 846 903 861 849 1,046 1,027
Industrial 1,996 2,140 2,229 2,654 2,988 3,038 3,284 3,672 3,889 4,522 1,514 1,518 1,573 1,371 1,167 1,183 1,167 1,006 1,029 1,204 1,220 1,066 1,057 881 939 1,002 1,006 981 851 917 920 813 789 801 751 775 895 880 911 920 842 879 815 833 758 845 861 841 1,123 1,073 1,135 1,148 1,040 1,014 1,097 1,229 1,278 1,357 1,373 1,407 1,596 1,487 1,572 1,537 1,593 2,204 2,025 2,097 2,038 2,124 2,222
Land development/subdivisions 780 899 1,103 1,347 1,545 2,087 2,296 2,747 2,761 2,935 1,502 1,617 1,579 1,455 1,360 1,316 1,275 988 1,029 1,118 1,164 1,200 1,130 1,078 1,058 970 960 880 944 988 759 722 658 604 650 677 706 714 748 816 788 764 679 695 727 612 690 804 885 700 579 506 530 524 532 562 577 550 430 402 502 * * * * 783 784 794 711 599 625
Other residential 1,372 1,509 1,555 1,661 1,616 1,970 1,935 2,212 2,320 2,320 1,670 1,678 1,627 1,682 1,599 1,645 1,612 1,661 1,641 1,650 1,599 1,488 1,408 1,016 1,003 954 956 1,006 992 974 931 974 882 862 883 1,019 1,057 1,126 1,159 1,272 1,289 1,304 1,295 1,503 1,518 1,679 1,566 1,598 1,414 1,157 1,140 1,140 1,140 1,021 1,036 1,006 966 936 925 934 886 863 827 700 720 697 656 667 680 644 625
Tourism and leisure 152 123 123 162 283 463 486 564 655 388 142 144 132 129 123 110 114 115 124 131 119 119 121 86 28 30 51 54 44 50 44 45 25 15 15 14 13 11 10 12 7 6 5 6 6 5 6 5 5 7 7 4 6 5 7 7 7 8 7 4 4 * * * * 44 43 5 5 7 7
Other 1,525 1,741 1,825 1,642 1,567 1,311 1,537 1,657 2,123 3,124 665 668 559 543 550 525 452 424 432 421 408 398 397 177 156 148 158 169 175 190 190 78 82 66 885 873 893 897 908 854 841 945 942 940 962 948 956 959 1,010 264 253 256 250 337 328 274 260 250 241 245 245 240 228 258 239 213 192 285 274 356 348
of which: Exposures in Australia 8,158 8,832 9,486 10,394 11,460 12,968 13,971 15,793 16,384 18,429 8,377 8,481 8,184 7,982 7,477 7,362 7,272 6,838 6,839 7,163 7,102 6,788 6,456 5,737 5,954 5,815 5,827 5,545 5,381 5,620 5,168 5,004 4,686 3,884 4,816 4,972 5,350 5,508 5,657 5,798 5,666 5,984 6,018 6,563 6,724 7,037 7,038 7,211 7,712 * * * * * 7,211 7,477 7,645 7,635 7,428 7,490 7,742 7,672 7,582 7,493 7,809 8,262 7,954 7,863 7,714 7,571 7,549
Impaired Commercial property exposures 43 32 34 15 29 15 44 71 127 1,041 81 146 301 304 338 397 379 361 419 503 597 707 637 330 340 349 374 367 459 411 167 165 163 108 105 75 68 54 143 131 41 37 18 16 15 0 0 0 0 1 1 1 3 1 3 2 3 2 16 33 41 32 24
of which: Exposures in Australia 43 32 34 15 29 15 44 71 127 1,041 81 146 301 304 338 397 379 361 419 503 597 707 637 330 340 349 374 367 459 411 167 165 163 108 105 75 68 54 143 131 41 37 18 16 15 0 0 0 0 1 1 1 3 1 3 2 3 2 16 33 41 32 24
Specific provisions 12 14 13 7 5 6 4 15 27 442 24 31 71 81 106 123 120 105 110 120 131 174 174 85 84 83 93 103 105 96 44 57 54 55 53 46 41 42 42 30 32 30 14 14 12 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0
of which: Exposures in Australia 12 14 13 7 5 6 4 15 27 442 24 31 71 81 106 123 120 105 110 120 131 174 174 85 84 83 93 103 105 96 44 57 54 55 53 46 41 42 42 30 32 30 14 14 12 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0
Specific provisions and security 40 25 25 15 30 15 41 67 129 942 75 143 295 303 346 454 380 352 409 492 589 708 623 309 318 315 356 344 423 366 185 170 165 114 104 80 72 60 59 47 48 42 18 16 14 0 0 0 0 1 1 1 3 1 3 2 3 2 16 73 82 76 24
of which: Exposures in Australia 40 25 25 15 30 15 41 67 129 942 75 143 295 303 346 454 380 352 409 492 589 708 623 309 318 315 356 344 423 366 185 170 165 114 104 80 72 60 59 47 48 42 18 16 14 0 0 0 0 1 1 1 3 1 3 2 3 2 16 73 82 76 24
Specific provisions to impaired exposures 28.0% 43.2% 38.5% 44.8% 18.3% 36.3% 9.3% 21.0% 21.3% 42.5% 29.4% 21.5% 23.5% 26.6% 31.4% 31.0% 31.5% 29.0% 26.2% 23.9% 22.0% 24.7% 27.3% 25.6% 24.7% 23.9% 24.9% 27.9% 22.9% 23.3% 26.5% 34.4% 33.1% 50.9% 50.8% 61.1% 60.1% 77.4% 29.2% 22.9% 77.3% 80.4% 75.7% 84.9% 79.6% 98.1% 9.1% 9.1% 6.7% 2.8% 11.9% 7.4% 4.6% 3.2% 6.7% 6.2% 1.4% 0.5% 0.5% 0.5%
Specific provisions and security held to impaired 92.6% 78.6% 74.6% 102.0% 101.0% 96.1% 93.4% 94.8% 102.3% 90.5% 92.6% 98.2% 98.3% 99.8% 102.4% 114.2% 100.1% 97.3% 97.6% 97.8% 98.6% 100.1% 97.8% 93.6% 93.4% 90.2% 95.2% 93.8% 92.0% 89.2% 111.2% 102.9% 101.4% 105.9% 99.5% 105.6% 105.3% 110.2% 41.2% 36.1% 117.7% 112.6% 101.9% 102.7% 92.5% 98.1% 90.9% 90.9% 95.5% 97.8% 102.7% 92.6% 85.9% 93.7% 90.8% 101.7% 225.3% 202.3% 234.5% 100.5%
exposures


4.0% 1.2% 1.1% 1.0% 1.9% 0.5% 1.4% 10.3%
103.7% 100.9% 98.7% 95.7% 101.9% 100.5% 101.4% 108.0%
Number of entities 10 10 10 11 11 10 10 10 10 10 9 9 9 9 9 9 9 9 9 9 9 9 9 8 8 8 8 8 8 8 8 8 8 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 6 6 6 6 6 6

Table 6b Foreign subsidiary banks' residential property exposures
Quarter end
Credit limits
Owner-occupied 64,663 66,526 68,916 71,765 73,465 74,497 74,425 75,602 76,111 77,425 79,413 81,581 85,049 86,452 80,096 79,682 80,585 81,654 82,342 84,523
Investment 24,109 24,517 24,818 25,097 25,436 25,367 24,686 24,447 24,564 25,155 25,620 26,133 26,918 27,303 24,210 24,362 24,864 25,221 25,284 25,617
Non-housing 788 773 767 763 764 757 771 718 738 723 749 792 813 877 511 524 538 562 598 619
Credit outstanding
Owner-occupied 57,710 59,430 61,492 64,038 65,564 66,338 66,143 67,114 67,608 68,851 70,491 72,490 75,752 77,032 71,025 70,488 71,301 72,480 72,891 74,828
Investment 21,630 22,044 22,274 22,551 22,844 22,734 22,102 21,850 21,982 22,549 22,970 23,439 24,244 24,564 21,755 21,808 22,229 22,574 22,561 22,868
Non-housing 667 652 633 635 638 625 638 582 599 591 598 624 643 695 424 437 450 462 488 514
Revolving credits 1,713 1,673 1,582 1,513 1,458 1,373 1,262 1,180 1,115 1,077 999 930 884 862 573 559 528 517 484 460
Reverse mortgages * * * * * 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Interest-only 13,427 12,763 11,856 10,889 10,216 9,470 8,423 7,898 7,597 7,322 7,145 6,909 6,809 6,738 5,833 5,829 5,929 6,049 6,033 6,044
Owner-occupied 4,570 4,174 3,760 3,359 3,027 2,684 2,266 2,036 1,863 1,595 1,348 1,062 926 812 643 625 * * * 495
Investment 8,616 8,364 7,889 7,334 6,997 6,603 5,988 5,755 5,628 5,642 5,705 5,746 5,779 5,810 5,100 5,109 5,243 5,399 5,409 5,445
Non-housing 241 226 207 196 193 183 169 107 107 86 91 101 104 116 90 95 * * * 104
Funded ≤ 3 years ago 47,588 49,281 50,776 52,537 53,050 53,587 53,057 53,107 53,582 55,335 57,576 60,055 63,759 65,949 60,287 59,578 60,468 61,947 62,177 64,048
Funded > 5 years ago 17,416 17,866 18,346 18,859 19,303 19,453 19,993 20,345 20,613 20,560 20,499 20,592 20,984 20,856 18,686 18,924 19,058 18,968 19,206 19,584

LVR < 60% 21,237 22,040 22,752 23,349 23,778 24,111 23,829 23,977 24,149 24,845 25,908 27,088 29,039 30,355 27,997 28,443 29,673 30,982 31,621 33,009
60% ≤ LVR < 80% 47,254 48,603 50,101 52,182 53,657 54,018 53,236 53,435 53,688 54,484 55,784 57,423 59,852 60,662 54,846 54,051 54,191 54,259 54,197 54,836
80% ≤ LVR < 90% 9,598 9,588 9,709 9,818 9,712 9,584 9,528 9,587 9,694 9,838 9,807 9,761 9,712 9,446 8,636 8,497 8,471 8,690 8,585 8,769
90% ≤ LVR < 95% 1,381 1,387 1,475 1,548 1,587 1,676 1,887 2,139 2,289 2,330 2,174 1,951 1,738 1,540 1,482 1,478 1,387 1,346 1,301 1,342
LVR ≥ 95% * * * * * * * * * 438 * * * * * * * * * *
LVR not reported * * * * * * * * * 58 * * * * * * * * * *

LVR < 60% 15,341 15,913 16,475 16,927 17,269 17,484 17,304 17,376 17,417 17,848 18,681 19,566 21,130 22,227 20,795 21,125 22,062 23,063 23,575 24,706
60% ≤ LVR < 80% 34,614 35,683 36,915 38,640 39,750 40,186 39,758 40,185 40,358 40,828 41,806 43,187 45,115 45,721 41,806 41,050 41,073 41,105 41,172 41,805
80% ≤ LVR < 90% 6,490 6,558 6,820 7,099 7,106 7,090 7,186 7,357 7,472 7,654 7,689 7,663 7,645 7,421 6,836 6,717 6,662 6,866 6,747 6,875
90% ≤ LVR < 95% 949 968 1,087 1,184 1,254 1,384 1,630 1,921 2,119 2,193 2,059 1,855 1,665 1,471 1,420 1,413 1,329 1,288 1,239 1,269
LVR ≥ 95% * * * * * * * * 212 287 * * * * * * * * * *
LVR not reported * * * * * * * * 30 42 * * * * * * * * * *

LVR < 60% 5,653 5,884 6,038 6,174 6,262 6,373 6,262 6,354 6,476 6,744 6,976 7,249 7,627 7,817 7,017 7,124 7,406 7,709 7,822 8,055
60% ≤ LVR < 80% 12,255 12,546 12,825 13,185 13,543 13,489 13,129 12,936 13,010 13,340 13,655 13,908 14,399 14,583 12,824 12,779 12,895 12,929 12,784 12,783
80% ≤ LVR < 90% 3,071 2,997 2,861 2,692 2,583 2,468 2,320 2,213 2,203 2,167 2,098 2,076 2,046 2,001 1,780 1,759 1,788 1,802 1,816 1,875
90% ≤ LVR < 95% * * * * 332 292 * 217 170 137 114 96 73 70 62 65 58 58 62 73
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *
Loans to SMSFs 141 138 135 * * * * * * * * * * * * * * * * *
Loans 30-89 days past due 384 382 321 324 371 1,177 586 389 300 320 277 270 339 321 197 257 298 279 282 280
Non-performing loans 595 658 661 691 679 778 828 1,647 1,884 1,917 1,884 1,769 1,480 1,310 1,029 860 859 867 911 960
Term loans * * * * * * * * * * * * * * * * * * * *
Owner-occupied 412 449 462 480 474 545 578 1,192 1,372 1,398 1,387 1,299 1,070 949 766 635 629 636 678 730
Investment * * * * * * * * * * * * * * * * * * * *

Interest-only and owner-occupied * * * * * * * * * * 63 50 * * * * * * * *
Interest-only and investor * * * * * * * * * * 98 * * * * * * * * *
Loans to non-residents * * * * * * * * * * * * 66 * * * * * * *
Loans to SMSFs * * * * * * * * * * * * * * * * * * * *
Loans for units or apartments * * * * * * * 365 423 448 440 418 342 300 242 212 211 215 223 223
LVR < 60% 111 115 122 130 125 141 146 284 338 399 536 540 472 427 398 347 345 356 384 396
60% ≤ LVR < 80% 245 275 282 293 315 367 382 816 958 921 891 841 723 639 462 364 359 362 359 375
80% ≤ LVR < 90% * 137 129 138 129 142 165 327 358 338 * * 154 128 90 79 * * * *
90% ≤ LVR < 95% * * * * * * 47 101 108 85 57 46 30 29 21 21 * * * *
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *

Table 6c Foreign subsidiary banks' new housing loans funded
(Level 2)
Quarter end
New loans funded 4,585 5,491 6,476 6,377 5,591 5,386 5,111 5,528 5,611 7,151 8,755 8,773 9,447 7,679 4,724 4,856 6,909 8,114 6,241 7,341
Term loans * * * * * * * * * * * * * * * * * * * *
Owner-occupied 3,573 4,242 5,262 5,127 4,250 4,242 4,222 4,494 4,251 5,295 6,751 6,692 7,323 5,677 3,406 3,529 5,230 6,158 4,771 5,638
Investment 989 1,222 1,186 1,214 1,314 1,084 839 987 1,307 1,787 1,927 1,937 2,039 1,894 1,236 1,267 1,625 1,878 1,400 1,644
Non-housing * * * * * * * * * * * * * * * * * * * *

Loans to SMSFs 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Loans to non-residents * * * * * * * 128 92 142 138 132 * 95 86 69 57 72 69 64
Loans for units and apartments 709 869 1,024 1,179 947 967 905 934 892 1,182 1,375 1,301 1,305 1,236 739 803 999 1,396 1,029 1,399
Serviceability verification waivers * * * * * * * * * * * 194 * * * * * * * *

Interest-only 527 526 423 408 551 488 312 354 408 560 702 740 708 728 507 528 581 661 470 528
Owner-occupied 137 77 79 72 68 75 55 49 29 40 46 63 72 63 55 74 57 36 32 34
Investment * * * * * * * * * * * * * * * * * * * *

Loan-to-income ≥ 4x < 6x 1,466 1,765 2,063 2,134 1,837 1,513 1,639 1,849 1,944 2,585 3,204 3,220 3,538 2,648 1,418 1,324 1,666 1,716 1,268 1,384
Loan-to-income ≥ 6x 139 210 188 240 204 154 133 166 174 344 426 450 399 315 96 53 55 30 29 *
Debt-to-income ≥ 4x < 6x 2,153 2,559 2,840 2,958 2,653 2,170 2,321 2,708 2,904 3,730 4,516 4,563 4,978 4,065 2,416 2,325 2,924 3,073 2,308 2,416
Debt-to-income ≥ 6x 420 532 575 689 655 478 421 396 449 744 933 955 944 700 302 189 154 114 60 34

LVR < 60% 1,085 1,292 1,407 1,203 1,018 1,011 806 813 870 1,296 1,930 2,086 2,539 2,219 1,240 1,312 2,172 2,600 1,924 2,311
60% ≤ LVR < 80% 2,049 2,412 2,858 2,693 2,417 2,320 2,117 2,208 2,246 3,010 4,003 3,985 4,415 3,370 2,031 2,066 3,232 3,700 2,754 3,194
80% ≤ LVR < 90% 1,252 1,514 1,902 2,173 1,875 1,716 1,734 1,985 2,040 2,477 2,589 2,510 2,298 1,828 1,185 1,226 1,340 1,637 1,385 1,666
90% ≤ LVR < 95% * * * * * * * 506 437 354 213 167 157 232 248 223 142 158 158 152
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *

LVR < 60% 808 944 1,103 911 730 744 624 585 582 863 1,457 1,552 1,981 1,650 858 933 1,640 1,933 1,451 1,775
60% ≤ LVR < 80% 1,544 1,798 2,251 2,036 1,709 1,730 1,628 1,676 1,589 2,080 2,989 2,976 3,374 2,424 1,423 1,443 2,412 2,780 2,090 2,466
80% ≤ LVR < 90% 1,038 1,245 1,622 1,892 1,541 1,443 1,536 1,721 1,638 2,000 2,092 1,997 1,812 1,366 873 933 1,039 1,292 1,072 1,246
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *

LVR < 60% 274 344 300 286 283 244 166 208 274 410 452 476 535 530 344 362 512 640 440 507
60% ≤ LVR < 80% 501 607 604 645 697 574 470 518 640 898 978 950 1,013 905 584 606 806 888 641 711
80% ≤ LVR < 90% * * * * 331 263 196 258 389 470 492 503 483 455 305 291 298 342 311 418
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * 0 0 0 * * * * * * * * *


Table 7a Mutual ADIs' comme
($ million, consoli
Mar 2004 Sep 2004 Mar 2005 Sep 2005 Mar 2006 Sep 2006 Mar 2007 Sep 2007 Mar 2008 Sep 2008 Mar 2009 Sep 2009 Mar 2010 Sep 2010 Mar 2011 Sep 2011

Office 65 61 68 70 82 77 84 85 105 118 112 104 113 128 129 95
Retail 196 202 200 206 235 252 254 271 269 242 245 253 242 249 252 210
Industrial 200 229 244 277 282 287 282 291 302 334 198 228 221 238 282 207
Other 154 169 189 200 255 270 274 297 354 292 331 371 337 344 337 157
Total commercial property limits 846 924 1,006 1,061 1,087 1,133 1,140 1,190 1,304 1,225 1,151 1,243 1,208 1,266 1,402 1,073
of which: Exposure limits in Australia 843 924 1,006 1,061 1,087 1,133 1,140 1,190 1,304 1,223 1,151 1,243 1,208 1,266 1,402 1,073

Office 56 54 58 63 76 72 79 77 94 101 93 94 104 117 116 85
Retail 184 191 186 188 208 225 221 231 219 207 209 218 205 207 212 176
Industrial 173 202 210 239 178 249 247 254 263 291 178 206 203 220 261 189
Other 135 151 170 179 211 235 247 268 306 268 270 318 285 297 278 132
Total commercial property exposures 752 830 892 951 879 996 1,005 1,045 1,107 1,082 960 1,086 1,041 1,096 1,193 915
of which: Exposures in Australia 752 830 892 951 879 996 1,005 1,045 1,107 1,080 959 1,086 1,041 1,096 1,193 915
Impaired Commercial property exposures 21 12 11 11 8 7 8 4 7 9 14 8 21 18 26 32

Specific provisions 2 3 3 3 2 2 0 1 2 1 1 2 3 2 7 8
Specific provisions and security 36 28 32 43 73 167 88 108 96 73 62 56 16 13 30 38

exposures

Specific provisions





able 7a Mutual ADIs' commercial property exposures
Half year end
Mar 2012 Sep 2012 Mar 2013 Sep 2013 Mar 2014 Sep 2014 Mar 2015 Sep 2015 Mar 2016 Sep 2016 Mar 2017 Sep 2017 Mar 2018 Sep 2018 Mar 2019 Sep 2019 Mar 2020 Sep 2020 Mar 2021 Sep 2021 Mar 2022
87 80 91 77 85 74 72 74 77 78 90 85 95 90 143 147 147 158 144 153 155

174 178 172 171 165 166 161 157 145 150 151 159 163 147 138 145 150 208 204 194 184
191 194 198 168 169 177 172 157 174 172 171 174 193 195 194 192 202 230 240 252 237
114 118 107 123 122 143 167 179 192 206 210 222 245 227 230 278 265 232 303 317 283
248 221 278 273 238 241 233 227 214 211 213 239 259 277 229 229 214 269 335 426 479
26 25 28 27 31 32 37 31 28 24 23 31 32 32 29 34 33 32 31 37 49
133 131 125 97 72 70 72 68 68 105 76 86 98 118 110 130 127 134 147 129 128
973 947 999 936 882 902 913 892 898 946 933 996 1,085 1,086 1,072 1,155 1,138 1,263 1,404 1,507 1,515
973 947 999 936 882 902 913 892 892 946 933 996 1,085 1,086 1,072 1,155 1,138 1,263 1,404 1,507 1,515
78 67 79 67 76 68 66 64 68 68 81 76 86 79 131 134 135 148 133 140 144

152 155 147 143 137 138 138 129 122 127 123 137 135 121 117 122 125 183 177 167 163
174 175 177 155 156 161 155 139 156 149 147 153 170 171 170 163 174 200 209 212 207
92 95 78 86 91 100 112 118 150 148 143 158 185 183 192 220 228 199 228 238 217
217 198 228 229 211 203 203 197 191 190 186 207 226 256 207 220 197 225 297 354 440
24 23 27 25 25 29 34 29 26 22 21 24 28 27 27 32 30 29 26 31 41
129 126 119 88 67 65 68 59 60 101 68 80 92 105 99 119 113 118 122 114 111
866 838 855 793 762 764 776 735 772 805 770 835 922 943 942 1,011 1,001 1,100 1,193 1,255 1,323
866 838 855 793 762 764 776 735 766 805 770 835 922 943 942 1,011 1,001 1,100 1,193 1,255 1,323
39 31 20 19 16 5 16 13 13 19 19 16 4 10 6 34 27 31 29 33
39 31 20 19 16 5 16 13 13 19 19 16 4 10 6 34 27 31 29 33
13 12 9 10 6 4 4 4 5 7 6 6 3 1 1 6 8 7 7 10
13 12 9 10 6 4 4 4 5 7 6 6 3 1 1 6 8 7 7 10
48 35 24 23 18 5 13 13 16 22 21 19 6 10 6 33 31 29 28 35
48 35 24 23 18 5 13 13 16 22 21 19 6 10 6 33 31 29 28 35
4.5% 3.7% 2.3% 2.4% 2.1% 0.7% 2.1% 1.8% 1.7% 2.3% 2.5% 1.9% 0.4% 1.0% 0.6% 3.4% 2.7% 2.8% 2.5% 2.7%
1.5% 1.5% 1.0% 1.2% 0.8% 0.5% 0.5% 0.6% 0.6% 0.8% 0.7% 0.8% 0.3% 0.1% 0.1% 0.6% 0.8% 0.6% 0.6% 0.8%
32.1% 39.7% 44.3% 50.6% 38.2% 75.3% 24.0% 32.6% 34.8% 36.0% 29.2% 40.6% 61.3% 10.8% 16.4% 16.5% 29.6% 22.1% 22.9% 30.0%
121.3% 111.4% 118.6% 123.8% 110.2% 101.8% 76.4% 97.4% 123.8% 117.6% 109.7% 118.5% 156.3% 103.4% 105.8% 97.4% 115.1% 94.8% 97.0% 105.6%
30
30
10
10
32
32
2.2%
0.8%

35.1%
107.0%
104 103 103 101 100 99 98 90 88 81 78 76 75 71 69 68 65 64 63 61 60

Sep 2022 Mar 2023 Sep 2023
143 155 162

172 152 158
266 243 264
207 307 371
550 542 623
43 38 40
108 183 174
1,488 1,620 1,793
1,488 1,620 1,793
134 144 147

150 136 143
232 219 246
155 233 291
513 522 594
37 36 38
97 172 160
1,318 1,461 1,619
1,318 1,461 1,619
3 1 0
3 1 0
1 0 0
1 0 0
3 1 0
3 1 0
0.2% 0.1% 0.0%

0.1% 0.0% 0.0%

33.4% 18.2%
119.4% 81.8%
59 57 57

Table 7b Mutual ADIs' residential property exposures
Quarter end
Credit limits
Owner-occupied 76,572 77,809 77,972 79,042 79,876 80,673 82,272 84,001 85,303 86,698 87,784 89,155 91,526 93,756 95,814 98,497 100,692 102,965 104,799 108,186
Investment 20,062 20,419 21,106 21,437 21,710 21,852 22,241 22,494 22,817 23,399 23,719 24,297 25,049 25,751 26,244 26,602 26,927 27,154 27,092 27,633
Non-housing 3,085 3,072 2,722 2,721 2,713 2,689 2,665 2,795 2,799 3,596 2,857 2,892 2,909 2,913 2,830 2,795 2,185 2,128 2,401 2,393
Credit outstanding
Owner-occupied 69,278 70,581 70,566 71,495 72,177 72,748 73,800 75,177 76,193 77,735 78,490 79,723 81,933 84,089 85,682 88,063 90,325 92,646 94,897 97,546
Investment 18,711 19,048 19,704 19,978 20,224 20,345 20,679 20,885 21,158 21,807 22,092 22,622 23,315 23,967 24,331 24,592 24,915 25,184 25,291 25,612
Non-housing 2,658 2,652 2,284 2,277 2,267 2,234 2,201 2,308 2,293 2,407 2,325 2,338 2,332 2,335 2,267 2,220 1,683 1,631 1,844 1,846
Revolving credits 1,177 1,168 1,130 1,096 1,077 1,020 949 899 1,162 855 789 756 745 740 730 731 734 756 756 769
Reverse mortgages 133 138 139 144 146 148 151 152 154 168 176 181 193 203 224 245 270 285 321 350

Interest-only 10,062 9,399 9,105 8,698 8,457 8,327 8,147 8,157 8,118 8,170 8,103 8,196 8,378 8,574 8,633 8,766 8,810 8,870 8,832 8,751
Owner-occupied 2,479 2,278 2,131 1,943 1,899 1,959 1,908 2,012 2,085 2,100 2,066 1,985 1,934 1,935 1,857 1,860 1,809 1,803 1,777 1,729
Investment 7,402 6,963 6,815 6,596 6,412 6,219 6,093 5,981 5,870 5,898 5,894 6,060 6,295 6,492 6,628 6,753 6,860 6,933 6,867 6,833
Non-housing 180 158 159 159 146 150 146 164 163 172 142 150 150 148 148 154 141 134 188 189
Funded ≤ 3 years ago 55,704 56,794 57,121 57,692 56,019 55,793 56,300 57,746 57,594 59,106 60,142 62,352 65,414 68,663 70,985 73,403 75,110 78,381 80,424 81,938
Funded > 5 years ago 18,375 18,534 18,271 18,506 19,706 20,013 20,666 21,050 21,891 22,537 22,879 22,943 23,616 24,029 24,006 24,250 24,791 24,830 24,962 25,878

LVR < 60% 30,920 31,553 31,641 31,936 32,170 32,448 32,848 33,184 33,771 34,107 34,696 35,564 37,077 38,685 40,168 41,852 41,010 42,592 44,080 45,757
60% ≤ LVR < 80% 42,437 43,244 43,348 43,852 44,200 44,362 44,838 45,521 45,900 47,213 47,584 48,190 49,660 51,009 51,773 52,665 54,896 55,928 56,550 57,567
80% ≤ LVR < 90% 11,399 11,555 11,623 11,869 12,095 12,132 12,450 12,723 12,914 13,296 13,555 13,490 13,638 13,709 13,704 13,781 14,369 14,270 14,330 14,471
90% ≤ LVR < 95% 3,874 3,986 4,077 4,262 4,414 4,680 5,092 5,641 5,876 6,121 6,108 6,446 6,320 6,094 5,745 5,616 5,655 5,667 5,811 5,916
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *

LVR < 60% 23,105 23,578 23,716 23,862 24,003 24,172 24,394 24,634 25,055 25,310 25,733 26,303 27,409 28,604 29,861 31,253 31,005 32,378 33,596 35,009
60% ≤ LVR < 80% 31,927 32,474 32,372 32,736 32,964 33,050 33,348 33,790 34,043 34,791 35,074 35,377 36,559 37,668 38,339 39,251 41,427 42,139 42,862 43,816
80% ≤ LVR < 90% 9,103 9,295 9,318 9,570 9,797 9,867 10,130 10,408 10,607 10,945 11,127 11,079 11,206 11,273 11,279 11,384 11,791 11,843 11,955 12,127
90% ≤ LVR < 95% 3,430 3,567 3,595 3,779 3,943 4,218 4,643 5,196 5,446 5,679 5,711 6,077 5,971 5,742 5,400 5,299 5,239 5,358 5,516 5,626
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *

LVR < 60% 6,476 6,672 6,785 6,920 7,005 7,126 7,302 7,338 7,502 7,469 7,659 7,935 8,320 8,705 9,005 9,297 9,029 9,276 9,535 9,801
60% ≤ LVR < 80% 9,457 9,647 10,023 10,186 10,345 10,398 10,596 10,798 10,935 11,490 11,617 11,918 12,226 12,481 12,579 12,582 13,101 13,157 13,067 13,136
80% ≤ LVR < 90% 2,113 2,080 2,153 2,146 2,156 2,135 2,200 2,191 2,191 2,296 2,324 2,315 2,347 2,360 2,337 2,329 2,406 2,383 2,334 2,304
90% ≤ LVR < 95% 413 407 466 466 459 447 435 428 415 412 387 360 340 342 337 313 319 308 292 287
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *
LVR not reported * * * * * * * * * * * * * * * * * * * *
Loans to SMSFs 315 322 310 315 317 315 320 320 318 312 307 295 284 269 241 235 222 210 202 191
Loans 30-89 days past due 410 282 273 379 430 255 186 292 307 300 238 269 289 245 217 337 408 366 339 597
Non-performing loans 258 326 316 337 363 386 350 324 322 330 326 311 306 307 298 325 363 424 447 459
Term loans * * * * * * * * * * * * * * * * * * * *
Owner-occupied 211 259 245 264 288 304 274 254 253 261 262 247 247 248 247 271 302 356 383 395
Investment 36 55 60 63 62 69 61 58 57 57 55 55 49 49 41 44 52 55 54 53

Interest-only and owner-occupied * * * * * * * * * * * * * * * * * * * *
Interest-only and investor * * 26 * 21 * * * * * * * * * * * * * * *
Loans to non-residents - * * * * * * * * * * * * * - * * * * *
Loans to SMSFs * * * * * * * * * * * * * * * * * * * *
Loans for units or apartments 21 31 31 27 25 33 27 30 33 31 29 32 29 23 21 23 28 26 30 30
LVR < 60% 57 70 68 69 82 88 84 76 81 94 99 107 106 116 110 123 128 139 143 149
60% ≤ LVR < 80% 106 132 122 132 137 150 132 117 121 118 124 114 106 101 113 119 150 177 191 184
80% ≤ LVR < 90% 43 58 54 56 58 59 54 49 56 57 52 46 54 46 41 45 44 61 68 64
90% ≤ LVR < 95% * * * * * * * * 23 26 23 * * * * * * 21 21 23
LVR ≥ 95% 28 31 35 37 43 49 45 46 37 30 25 20 * * * * * * * *
LVR not reported * * * * * * * * - * * * * * * * * * * *

Table 7c Mutual ADIs' new housing loans funded
(Level 2)
Quarter end
New loans funded 5,312 5,635 5,433 6,190 5,484 5,844 6,665 7,545 7,240 8,673 8,833 9,853 9,023 9,537 8,411 8,864 7,920 8,408 9,606 9,204
Term loans 5,284 5,606 5,408 6,159 5,461 * * * 7,217 8,636 8,803 9,816 8,983 9,496 8,359 8,803 7,871 8,349 9,541 9,134
Owner-occupied 4,188 4,418 4,176 4,746 4,202 4,578 5,210 5,967 5,632 6,594 6,633 7,389 6,844 7,295 6,494 7,116 6,371 6,742 7,735 7,276
Investment 962 1,054 1,101 1,260 1,123 1,149 1,313 1,403 1,450 1,846 2,007 2,271 2,009 2,071 1,747 1,569 1,399 1,517 1,703 1,741
Non-housing 134 135 131 153 136 * * * 135 196 162 157 130 130 118 118 102 91 103 118
Revolving credits 28 28 25 31 23 * * * 23 37 30 37 40 41 52 61 49 59 65 70

Loans to SMSFs * * * * * * * * * * * * * * * * * * * *
Loans to non-residents * * * * 27 59 22 31 * 34 57 53 28 38 24 23 31 29 27 40
Loans for units and apartments 473 503 501 552 522 539 679 715 709 802 839 984 766 847 713 785 694 791 1,027 967
Serviceability verification waivers 24 20 26 43 38 38 32 30 33 30 32 25 29 36 32 37 35 70 187 116

Interest-only 675 747 740 756 690 772 884 1,093 1,139 1,318 1,213 1,382 1,104 1,264 1,061 1,020 840 943 918 1,011
Owner-occupied 329 385 359 365 315 362 447 624 676 695 * 553 * * * 477 * * * *
Investment * * * * * * * * * * 666 807 641 720 586 517 446 500 529 549
Non-housing purposes * * * * * * * * * 30 * 21 * * * 26 * * * *

Loan-to-income ≥ 4x < 6x 1,145 1,148 1,099 1,414 1,313 1,469 1,611 1,834 1,834 2,352 2,490 2,727 2,607 2,709 2,208 2,309 1,831 1,744 1,762 1,704
Loan-to-income ≥ 6x 177 135 169 201 221 279 301 370 394 524 525 734 585 622 383 285 170 120 112 114
Debt-to-income ≥ 4x < 6x 1,789 1,970 1,836 2,336 2,072 2,276 2,601 2,884 2,932 3,554 3,811 4,096 3,928 4,089 3,492 3,609 3,077 3,055 3,304 3,134
Debt-to-income ≥ 6x 402 413 353 520 558 645 717 834 838 1,171 1,262 1,538 1,231 1,238 888 608 356 274 216 238

LVR < 60% 1,528 1,584 1,448 1,454 1,294 1,320 1,409 1,529 1,551 1,970 2,184 2,491 2,520 2,675 2,735 2,875 2,689 2,803 3,314 3,029
60% ≤ LVR < 80% 2,270 2,334 2,303 2,650 2,331 2,411 2,772 3,161 3,082 3,777 3,997 4,340 4,017 4,317 3,643 3,789 3,339 3,427 4,077 3,870
80% ≤ LVR < 90% 909 1,058 1,038 1,243 1,097 1,178 1,427 1,583 1,554 1,749 1,623 1,669 1,507 1,551 1,202 1,208 1,019 1,149 1,272 1,362
90% ≤ LVR < 95% 362 421 442 574 517 651 792 972 840 915 775 969 698 710 524 628 540 618 555 556
LVR ≥ 95% 215 209 178 237 222 268 252 281 191 224 224 347 242 242 256 302 284 352 325 317

LVR < 60% 1,189 1,211 1,097 1,082 950 984 1,036 1,147 1,174 1,430 1,619 1,818 1,884 2,046 2,101 2,264 2,144 2,238 2,633 2,370
60% ≤ LVR < 80% 1,740 1,760 1,712 1,941 1,707 1,798 2,039 2,327 2,232 2,743 2,864 3,079 2,976 3,211 2,749 3,000 2,617 2,646 3,233 2,984
80% ≤ LVR < 90% 728 864 804 967 862 929 1,139 1,299 1,249 1,348 1,219 1,240 1,109 1,164 916 960 821 923 1,022 1,081
90% ≤ LVR < 95% * * * * * * * 919 794 853 712 913 637 640 475 595 508 590 531 530
LVR ≥ 95% * * * * * * * 275 183 220 218 338 237 236 252 298 282 346 317 312

LVR < 60% 284 321 302 316 286 298 320 330 333 463 503 609 577 564 572 563 499 519 631 607
60% ≤ LVR < 80% 474 513 529 639 564 564 666 750 777 945 1,047 1,181 974 1,048 844 736 672 740 797 831
80% ≤ LVR < 90% 169 181 217 254 222 239 278 269 290 378 390 418 394 381 278 235 193 223 246 273
90% ≤ LVR < 95% * * * * * * * * * * * * * * * * * * * *
LVR ≥ 95% * * * * * * * * * * * * * * * * * * * *


Table 8 Foreign branch banks' commercial property exposures
Quarter end

Office 1,476 1,842 1,011 1,157 1,208 1,354 2,433 3,686 3,930 5,286 5,417 5,292 4,409 4,286 3,917 3,697 3,806 4,300 4,133 3,600 3,470 3,147 2,569 2,614 1,929 1,557 1,625 1,816 1,740 2,179 2,305 2,569 3,254 3,650 3,899 3,971 3,799 4,653 6,413 7,502 7,517 8,600 9,359 10,720 11,072 11,263 12,133 12,475 12,791 13,983 14,298 16,324 18,163 19,132 21,052 21,761 21,892 22,787 23,173 23,339 23,744 25,546 27,308 30,020 29,794 30,870 30,831 32,556 32,559 32,669 32,952
Retail 1,360 3,534 3,523 2,560 2,954 5,014 5,764 5,645 7,687 8,795 9,963 10,685 8,774 8,749 8,101 7,479 7,088 7,251 6,309 4,437 4,258 5,152 4,068 4,525 4,549 4,293 4,271 3,935 4,183 4,338 4,267 5,511 8,143 5,559 5,033 4,959 5,144 4,800 5,644 6,313 6,335 7,257 7,925 8,470 9,551 9,312 10,626 10,814 10,887 11,299 12,291 12,473 13,284 13,873 14,227 14,923 15,987 15,651 15,676 15,998 15,680 16,299 16,037 16,990 16,540 17,067 17,441 17,505 17,318 16,854 17,250
Industrial 367 338 580 782 669 559 634 2,991 2,180 1,909 1,933 2,342 2,355 2,011 1,423 1,339 1,331 1,488 1,287 1,023 847 997 924 717 572 577 573 897 713 764 792 823 876 971 965 884 1,042 1,236 1,443 1,546 1,409 1,748 1,977 2,280 2,699 2,910 3,699 3,762 3,852 4,512 3,955 4,108 4,214 4,067 3,966 4,261 5,129 5,715 5,995 6,148 6,659 7,348 8,766 9,454 10,602 11,489 12,346 12,858 13,213 14,198 14,452
Land development/subdivisions 188 560 309 336 386 955 404 674 756 729 501 475 426 469 531 716 690 728 1,004 895 951 974 991 935 899 927 913 816 795 765 728 774 564 757 1,122 1,221 1,210 1,238 1,585 1,416 1,410 2,096 2,296 3,055 2,418 2,118 1,948 2,101 2,018 1,947 1,912 1,697 1,785 1,912 1,765 2,264 2,290 2,404 2,232 2,122 2,024 2,159 2,301 2,316 2,465 2,697 3,008 3,742 3,981 4,015 4,012
Tourism and leisure 806 818 791 754 670 475 371 596 947 906 904 876 861 826 767 700 618 589 678 816 834 851 761 671 670 580 535 532 532 559 837 842 958 1,006 1,630 1,726 1,663 1,721 1,632 2,163 2,259 2,370 2,420 2,815 2,906 3,481 4,462 4,501 4,582 4,941 5,402 5,335 5,152 5,283 5,897 6,249 6,799 7,080 7,411 7,273 7,311 7,187 7,087 7,536 7,790 8,022 8,217 8,445 8,284 8,163 8,114
Other 89 270 564 1,240 1,089 1,661 1,988 1,808 1,978 1,882 2,002 1,832 1,743 1,652 1,197 1,068 886 839 780 743 899 1,035 929 1,217 1,243 1,109 1,418 1,430 1,465 1,574 1,833 1,621 2,659 3,060 2,051 1,692 1,621 1,630 1,689 2,162 2,538 2,787 3,452 3,541 4,587 5,151 5,732 5,674 6,709 6,680 5,641 6,015 5,680 5,355 5,641 5,666 6,155 5,962 5,698 5,481 6,217 6,110 7,225 7,724 8,207 8,120 9,235 9,117 9,877 10,127 10,027
of which: Exposure limits in Australia 7,491 10,841 10,233 10,151 10,220 13,563 15,223 19,194 21,069 22,792 24,206 25,016 21,718 20,855 17,709 16,506 15,854 16,598 15,908 13,222 12,878 14,038 11,928 12,337 11,508 10,783 11,038 11,071 11,083 11,723 12,242 13,315 17,447 16,374 15,789 15,802 15,740 16,793 19,819 23,619 25,070 28,127 30,764 35,802 38,848 40,011 43,677 44,140 46,439 47,595 47,446 49,825 51,802 52,447 55,110 57,594 61,241 62,963 63,333 63,884 64,921 67,507 72,042 77,306 78,744 81,673 83,747 86,979 88,443 89,021 89,450

Office 1,202 966 805 900 995 1,002 1,781 2,631 3,093 4,316 4,697 4,313 3,446 3,333 3,053 3,006 3,131 3,425 3,298 3,014 2,833 2,668 2,144 2,272 1,658 1,325 1,437 1,447 1,492 1,950 1,972 2,310 2,782 3,265 3,553 3,670 3,586 4,395 6,092 7,122 7,315 8,357 9,026 10,384 10,581 10,762 11,439 11,828 11,886 12,613 13,092 14,897 16,299 16,796 19,029 19,876 19,209 20,121 20,287 20,805 21,557 22,961 24,563 26,971 26,834 27,798 27,590 29,640 29,528 29,672 29,500
Retail 814 1,066 2,737 1,956 2,515 3,176 4,112 3,754 5,553 6,375 8,196 7,825 6,192 5,980 5,559 5,316 4,973 5,586 4,610 3,953 3,478 4,290 2,965 3,657 3,119 3,405 3,172 3,263 3,529 3,786 3,736 4,187 6,649 4,810 4,189 4,362 4,219 3,927 4,468 4,929 5,166 5,934 6,594 7,359 7,971 8,001 9,207 9,990 9,380 10,384 11,099 11,654 11,450 12,220 12,673 14,149 13,925 13,547 13,504 13,700 13,433 13,785 13,578 14,623 14,116 14,423 15,030 15,614 15,060 15,619 15,689
Industrial 170 239 344 609 399 402 527 2,713 1,866 1,750 1,744 2,021 1,826 1,536 1,198 1,186 1,158 1,206 1,008 787 676 865 626 568 385 554 461 639 491 523 547 574 626 718 688 631 790 1,043 1,242 1,210 1,224 1,553 1,778 2,028 2,195 2,249 2,973 3,052 3,201 3,375 3,300 3,442 3,505 3,400 3,340 3,782 4,492 5,080 5,036 5,046 5,315 6,380 7,343 8,024 8,861 9,464 10,224 10,705 11,117 12,071 12,687
Land development/subdivisions 156 234 246 241 317 708 306 440 608 495 316 329 294 171 238 319 272 448 543 704 750 742 751 723 673 705 670 546 590 575 521 592 379 605 862 937 936 1,016 1,383 1,223 1,139 1,971 2,148 2,889 2,205 2,025 1,807 1,863 1,813 1,650 1,717 1,538 1,613 1,606 1,457 1,652 1,789 2,115 1,965 1,887 1,783 1,845 2,078 2,060 2,219 2,427 2,784 3,518 3,781 3,881 3,791
Tourism and leisure 767 757 738 673 595 420 293 488 772 793 823 807 789 768 726 669 584 558 646 758 756 778 691 597 573 501 462 460 452 483 584 583 688 724 1,285 1,433 1,438 1,464 1,453 1,961 1,955 2,143 2,230 2,520 2,644 2,914 3,750 3,893 4,039 4,431 4,746 4,645 4,600 4,761 5,267 5,561 6,078 6,354 6,359 6,362 6,476 6,464 6,438 6,966 7,181 7,377 7,528 7,894 7,956 7,780 7,786
Other 67 231 324 490 500 970 1,285 1,464 1,511 1,590 1,626 1,293 1,022 882 751 699 591 624 567 623 676 753 656 857 857 807 1,016 1,063 1,102 1,228 1,476 1,280 2,217 2,369 1,615 1,217 1,211 1,188 1,290 1,767 1,952 2,264 2,566 2,843 3,585 4,040 4,666 4,392 4,395 4,451 4,457 4,927 4,601 4,386 4,441 4,665 5,098 4,808 4,417 4,487 5,099 4,949 5,592 6,247 6,806 6,578 7,625 7,819 7,957 8,734 8,481
of which: Exposures in Australia 4,363 6,909 8,586 8,128 8,533 10,086 11,861 15,167 16,689 18,331 20,237 19,589 16,302 15,271 13,045 12,503 11,896 13,034 11,986 11,057 10,449 11,679 9,276 10,121 8,675 8,581 8,407 8,687 8,977 9,715 9,961 10,663 14,372 13,502 13,014 13,284 13,149 14,184 16,949 20,139 21,590 24,821 26,788 31,761 33,586 34,335 37,464 38,542 38,989 39,989 41,361 44,009 44,867 45,640 48,207 51,452 53,080 54,796 54,037 54,882 56,135 58,457 61,879 67,241 68,452 70,450 72,521 76,971 77,615 80,085 79,911
Impaired Commercial property exposures a 88 50 8 32 25 31 5 38 1,682 2,801 3,500 3,352 3,060 2,858 2,731 2,401 2,252 1,784 1,288 704 949 915 499 488 472 376 47 28 32 34 21 20 20 14 11 10 9 8 6 6 6 6 0 0 2 2 0 0 0 0 3 0 14 0 0 66 52 51 34 27 24 24 24
of which: Exposures in Australia 88 50 8 32 25 31 5 38 1,682 2,801 3,500 3,352 3,060 2,858 2,731 2,401 2,252 1,784 1,288 704 949 915 499 488 472 376 47 28 32 34 21 20 20 14 11 10 9 8 6 6 6 6 0 0 2 2 0 0 0 0 3 0 14 0 0 66 52 51 34 27 24 24 24
Specific provisionsa 11 11 4 4 2 3 3 6 131 595 1,070 851 803 781 1,368 1,118 1,075 893 562 274 320 343 128 117 187 200 25 20 27 28 14 18 19 14 11 10 9 8 6 6 6 6 0 0 0 0 0 0 0 0 1 0 3 0 0 0 0 0 0 0 0 0 0
of which: Exposures in Australia 11 11 4 4 2 3 3 6 131 595 1,070 851 803 781 1,368 1,118 1,075 893 562 274 320 343 128 117 187 200 25 20 27 28 14 18 19 14 11 10 9 8 6 6 6 6 0 0 0 0 0 0 0 0 1 0 3 0 0 0 0 0 0 0 0 0 0
Specific provisions and security a 89 51 8 32 24 28 4 36 157 629 1,813 1,613 1,435 1,180 2,118 2,230 2,231 1,961 1,281 675 905 877 473 378 423 372 43 20 27 30 16 21 22 17 14 13 12 8 6 6 6 6 0 0 2 2 0 0 0 0 4 0 17 0 0 66 52 51 34 27 24 24 24
of which: Exposures in Australia 89 51 8 32 24 28 4 36 157 629 1,813 1,613 1,435 1,180 2,118 2,230 2,231 1,961 1,281 675 905 877 473 378 423 372 43 20 27 30 16 21 22 17 14 13 12 8 6 6 6 6 0 0 2 2 0 0 0 0 4 0 17 0 0 66 52 51 34 27 24 24 24
Impaired assets to exposures a 2.0% 0.7% 0.1% 0.4% 0.3% 0.3% 0.0% 0.3% 10.1% 15.2% 17.2% 17.0% 18.7% 18.7% 20.9% 19.1% 18.8% 13.6% 10.7% 6.3% 9.0% 7.8% 5.4% 4.8% 5.4% 4.4% 0.6% 0.3% 0.4% 0.4% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0%
Specific provisions to exposures a 0.2% 0.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.8% 3.2% 5.2% 4.3% 4.9% 5.1% 10.5% 8.9% 9.0% 6.8% 4.7% 2.5% 3.1% 2.9% 1.4% 1.1% 2.1% 2.3% 0.3% 0.2% 0.3% 0.3% 0.1% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Specific provisions to impaired exposures a 12.3% 21.5% 49.4% 11.1% 7.6% 9.6% 61.1% 16.8% 7.8% 21.2% 30.6% 25.4% 26.2% 27.3% 50.1% 46.5% 47.7% 50.0% 43.6% 38.9% 33.7% 37.5% 25.6% 23.9% 39.5% 53.2% 52.6% 69.6% 84.9% 81.3% 63.8% 88.7% 93.1% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 5.3% 10.5% 15.0% 19.7% 0.0% 0.0% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%
Specific provisions and security held to impaired 101.3% 101.6% 101.2% 99.1% 96.4% 90.1% 75.9% 93.7% 9.3% 22.5% 51.8% 48.1% 46.9% 41.3% 77.6% 92.8% 99.1% 109.9% 99.5% 96.0% 95.4% 95.9% 94.8% 77.5% 89.5% 99.0% 91.3% 69.6% 84.9% 86.3% 76.5% 102.0% 106.4% 119.0% 123.9% 126.5% 130.7% 100.0% 100.0% 100.0% 100.0% 100.0% 78.9% 84.2% 115.0% 119.7% 100.0% 100.0% 100.0% 100.1% 100.1% 100.1% 100.1% 100.1%
exposuresa


0.0% 0.0% 0.1% 0.1% 0.0% 0.0% 14.9%
100.0% 100.0% 100.1% 100.1% 181.7% 117.2% 101.9%
Number of entities 29 28 27 28 28 30 30 31 33 34 34 34 33 35 34 34 34 35 35 35 35 36 36 39 39 39 39 41 40 40 40 42 40 40 40 40 40 41 40 41 42 45 45 42 42 43 44 44 44 44 46 46 47 48 48 48 48 48 49 49 48 48 49 50 49 50 49 49 49 49 49
a
Foreign branch banks may report impairments and exposures on the book of their parent

Revisions
This edition of the Quarterly authorised deposit-taking institution property exposures publication contains revised data due t
entities or compilation errors. The following data items were revised by at least 10 per cent and $100 million:
Period(s)
Table Item Sector
impacted
1a Specific provisions and security: of which: Exposures in Australia Sep 2023 ALL_ADI
1b Term loans by loan-to-valuation ratio (LVR) - LVR not reported Sep 2023 ALL_ADI
2a Specific provisions and security: of which: Exposures in Australia Sep 2023 BANK
4a Specific provisions and security Sep 2023 MAJ
4a Specific provisions and security: of which: Exposures in Australia Sep 2023 MAJ
ntains revised data due to resubmissions from
0 million:
Previous Figure Revised Figure

($ million) ($ million)
2,670 2,964
168 383
2,670 2,964
2,575 2,864
2,177 2,471
Explanatory notes
ADI Industry Segments

To assist users analyse the ADI industry, the industry is broken down into three industry segments: banks, building soc
and credit unions.
ADI means an authorised deposit-taking institution within the meaning of the Banking Act 1959.
Banks are ADIs that assume or use the term ‘bank’ in relation to their banking business. Data for banks are broken down
four segments: major banks, other domestic banks, foreign subsidiary banks and foreign branch banks.
Major banks comprises the Australia and New Zealand Banking Group Limited, the Commonwealth Bank of Australia
National Australia Bank Limited, and the Westpac Banking Corporation.
Other domestic banks comprise all locally-owned banks excluding the major banks.
Foreign subsidiary banks are those foreign banks authorised to carry on banking business in Australia through a lo
incorporated subsidiary.
Foreign branch banks are those foreign banks authorised to carry on banking business in Australia through branches an
subject to specific restrictions on their deposit-taking activities.
Building societies are locally-incorporated ADIs that assume or use the expression ‘building society’ in relation to their ba
business.
Credit unions are locally-incorporated ADIs that assume or use the expression ‘credit union’ or ‘credit co-operative’ in re
to their banking business.
Mutual ADIs
This publication also provides supplementary statistics on mutual ADIs.
Mutual ADIs are defined for this publication as ADIs operating under a mutual corporate structure in accordance with
Regulatory Guide 147. Under the guide, an organisation is considered to have a mutual structure if it passes an econ
relationship test and a governance relationship test. The economic relationship test explores the distribution of surpluses
places restrictions on the payment of dividends to investor shareholders. The governance relationship test explores the r
of members to participate in the governance of the organisation, with a requirement of ‘one member, one vote’ and restric
on special voting rights.
The population of mutual ADIs tables is comprised of mutual banks, credit unions, mutual building societies and other m
ADIs.
ADIs are classified as mutual ADIs by APRA for the purpose of this publication. Mutual ADIs have the same regulatory
reporting requirements as ADIs in the same segment.
A list of all ADIs is provided on APRA’s website.
Basis of Preparation
The basis of preparation of the statistics in this publication differs between commercial property exposures and resid
property exposures. Commercial property exposures are sourced from two levels of reporting:
• Consolidated group book includes the exposures of the global consolidated operations of ADIs ('consolidated gro
Locally-incorporated ADIs with controlled entities or associates are required to report consolidated group book da
accordance with the Australian accounting standards AASB 127 Consolidated and Separate Financial Statements and A
3 Business Combinations.
• Licensed or domestic book includes the business of an ADI on a standalone basis, excluding subsidiaries and assoc
The domestic book is the licensed book excluding offshore banking operations such as offshore branches.
Commercial property exposures are sourced from the consolidated group books of the ADIs. Locally incorporated ADIs
controlled entities or associates are required to report consolidated group book data. For other ADIs, licensed and dom
book data are included.
Domestic ADIs which are themselves subsidiaries of a domestic ADI are not included in commercial property expo
statistics; the data for these ADIs are included in the data for the domestic parent ADI.
Commercial property exposures are facilities provided for the development, acquisition or improvement of real estate, w
the servicing of the facility is dependent on cash flows from the property itself through sale or rental income and/or from
flows generated from other properties owned by the borrower.
Residential property data are presented on a Level 1 or Level 2 basis.

Residential property exposures include only term loans to households which are secured by residential property. Th
considerably narrower than the scope of commercial property exposures.
Source of statistics
The data in this publication are sourced from the following returns submitted to APRA under the Financial Sector (Collecti
Data) Act 2001 by ADIs.
• ARF 230.0 Commercial Property (Licensed ADI and Consolidated Group Books)
• ARF 223.0 Residential Mortgage Lending (Level 1 and Level 2)
Blank copies of returns and associated instructions are available on APRA's website.
Estimation of commercial property statistics
The Quarterly Authorised Deposit-taking Institution Property Exposures publication includes commercial property expo
statistics for all ADIs for the March and September quarters only, until September 2008.
From December 2008 onwards, statistics are included on a quarterly basis. In the March and September quarters, all ADI
required to report their commercial property exposures. Therefore, statistics are available for all ADIs in these quarters. I
June and December quarters, only a sample of banks are required to report their commercial property exposures, wit
remaining ADIs’ exposures estimated using their previous quarters’ exposures. This sample comprises those banks w
have the largest commercial property exposures and together they hold approximately 99 per cent of total ADI comm
property exposures.
Comparison to ARF 320.8 – Housing Loan Reconciliation

The Quarterly Authorised Deposit-taking Institution Property Exposures publication includes statistics on residential term
ARF 223. The previous source of statistics for this publication was ARF 320.8 - Housing Loan Reconciliation. It is importa
note new
The that a number
version of of
thedifferences
publicationexist
uses between thebased
statistics two publications that users
on ‘loans funded’ should
where any be aware
portion of of.
the funds are made ava
for the borrower to draw down, whether or not it is drawn down within that period. The previous version used ‘loans approv
More granular information is now provided on policy exceptions, splitting the previous ‘new loans approved ou
serviceability policy’ item into two; ‘exceptions to serviceability policy’ and ‘serviceability verification waivers’. See the glo
for details of these two new components.
The statistics available in this version of the publication now categorise loans based on the predominant purpose of the fu
To be considered an owner-occupied loan, the funds must be used for a residential property that is occupied or to be occu
by the borrower(s) as their principal place of residence. This includes dwellings and residential land that are vacant
under construction but that the borrower intends to occupy as a principal place of residence; and part-time residences tha
the borrower(s) principal place of residence. It excludes part-time residences that are not the borrower(s) principal pla
residence. These are reported as investment loans.
Calculations of residential mortgage lending 'share of total' in media release

Quarterly Authorised Deposit-Taking Institution Property Exposures Statistics - September 2004 To December 2023

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Quarterly Authorised Deposit-Taking Institution Property Exposures Statistics - September 2004 To December 2023

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​‌OFFICIAL: Sensitive‌

September 2004 to December 2023

AUSTRALIAN PRUDENTIAL REGULATION AUTHORITY | APRA.GOV.AU

Explanatory notes and glossary

Manager, External Data Reporting

Sydney NSW 2001

Banks Commercial property exposures Table 2a

Credit unions and Commercial property exposures Table 3a

Other domestic banks Commercial property exposures Table 5a

Foreign subsidiary Commercial property exposures Table 6a

Mutual ADIs Commercial property exposures Table 7a

Foreign branch banks Commercial property exposures Table 8

Explanatory notes Explanatory notes

Australian Prudential Regulation Authority 6

Commercial property exposure limits

Commercial property actual exposures

Non-performing commercial property exposures

Specific provisions and security

Non-performing to total exposures

Australian Prudential Regulation Authority 7

Specific provisions and security held to non-

Australian Prudential Regulation Authority 8

Australian Prudential Regulation Authority 9

Australian Prudential Regulation Authority 10

Australian Prudential Regulation Authority 11

Australian Prudential Regulation Authority 12

599 591 507 493

211 208 158 153

608 610 504 487

0.2% 0.2% 0.2% 0.1%

1,855 1,793 1,679 1,851 2,040 2,075 2,846 3,003

245 235 213 224 252 217 270 308

2,159 2,105 1,984 2,160 2,423 2,601 3,357 3,536

0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.7% 0.7%

Australian Prudential Regulation Authority 13

116.4% 117.4% 118.1% 116.7% 118.8% 125.3% 117.9% 117.8%

Australian Prudential Regulation Authority 14

Credit outstanding - term loans - selected characteristics

Term loans by loan-to-valuation ratio (LVR)

Owner-occupied term loans by LVR

Investment term loans by LVR

Credit outstanding - selected characteristics

Loan performance - credit outstanding

Non-performing loans - selected characteristics

Non-performing term loans by LVR

Australian Prudential Regulation Authority 15

New loans funded - total committed amount ($ millions)

New loans funded - selected characteristics

Term loans funded - selected characteristics

Owner-occupied and investor loans

Term loans by loan-to-valuation ratio (LVR)

Owner-occupied term loans by LVR

Australian Prudential Regulation Authority 16

Interest rates for new loans funded per cent

Australian Prudential Regulation Authority 17

150,168 132,751 151,030 150,946 152,529

66,944 63,391 70,926 71,598 54,001

89,791 78,134 89,898 92,604 93,549

42,515 34,540 36,212 34,426 35,211

40,418 37,064 42,655 43,019 40,525

27,967 25,811 29,391 29,546 26,842

Australian Prudential Regulation Authority 18

5.1 5.5 6.0 6.1 6.3

‌OFFICIAL: Sensitive‌