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Revisions
This publication includes minor revisions for the preceding quarter based on re-submissions received after
the previous quarter publishing date.
Forthcoming issues
This publication will be released according to the timetable published on the APRA website.
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.
Enquiries
For more information about the statistics in this publication:
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or write to Manager, ADI and RFC Statistics
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Highlights Highlights 5
APRA aligned our reporting framework to the Australian International Financial Reporting Standards (AIFRS)
effective from 1 July 2006.
Movements between June 2006 and September 2006 data can be partly attributed to the introduction and
adoption of AIFRS. This reporting transition being accounted in the 'Net profit after tax and minority interests'
figure for September 2006.
Users should be aware that this publication is based on banks' consolidated financial data.
Where consolidated data are not provided by individual banks, their licensed entity or domestic data
have been used.
The market sensitivity of listed banks quarterly profit data means the bank publication will be available
no earlier than four months from the last quarter-end date represented.
• Net interest income of banks for the twelve months to 30 June 2010 was $54.2 billion. The four major
banks accounted for 84.6 per cent ($45.8 billion) of this figure.
• Fee and commission of banks for the twelve months to 30 June 2010 was $19.9 billion. The four major
banks accounted for 75.4 per cent ($15.0 billion).
• Total operating income of banks for the twelve months to 30 June 2010 was $91.6 billion. The four major
banks accounted for 72.6 per cent ($66.5 billion) of this figure.
• Operating expenses of banks for the twelve months to 30 June 2010 was $48.6 billion. The four major banks
accounted for 61.9 per cent ($30.1 billion) of this figure.
• Personnel expenses of banks totalled $21.6 billion for the twelve months to 30 June 2010. This represented
44.4 per cent of total operating expenses.
• Profit margin for banks was 21.4 per cent for the twelve months to 30 June 2010. The four major banks
operated at 25.2 per cent and other domestic banks at 11.9 per cent.
• Net profit after tax for the twelve months to 30 June 2010 was $19.6 billion for all banks.
• The cost-to-income ratio for banks for the twelve months to 30 June 2010 was 53.1 per cent. For the four
major banks, the ratio was 45.3 per cent.
• Total assets of banks as at 30 June 2010 were $3,207.2 billion, a decrease of 4.0 per cent over the year.
• Total shareholders' equity as at 30 June 2010 was $184.5 billion, an increase of 11.1 per cent over the year.
Operating Income
• For the twelve months to 30 June 2010, banks received 81.5 per cent ($122.1 billion) of their interest
income from loans and advances. Interest income on housing loans comprised 51.8 per cent ($63.3 billion) of
this figure.
• Interest expense on deposits comprised 54.5 per cent ($52.1 billion) of the total interest expense incurred
by banks for the twelve months to 30 June 2010.
• For the twelve months to 30 June 2010, banks raised 59.1 per cent ($54.2 billion) of total operating income
from interest income sources and 40.9 per cent ($37.4 billion) from other sources. Fee and commission
activities comprised 53.2 per cent of income from other sources.
Operating expenses
• Operating expenses of banks were $48.6 billion for the twelve months to 30 June 2010, equivalent to 53.1
per cent of total operating income.
Net profit
• Return on assets for banks for the twelve months to 30 June 2010 was 0.6 per cent.
• The banks showed a 4.0 per cent decrease in total assets over the year to 30 June 2010, driven
predominantly by falls in other assets. Total housing loans increased by 12.3 per cent to $1,145.0 billion over
the year.
• Housing loans accounted for 58.9 per cent of total gross loans and advances of banks as at 30 June 2010.
Deposits
• Deposits represented 55.6 per cent of total liabilities of banks, and funded 51.3 per cent of total assets, as
at 30 June 2010.
All banks
Net interest income ($m) 13,728 13,582 14,121 12,932 13,529 51,262 54,164
Other operating income ($m) 8,306 8,362 9,457 9,025 10,598 36,982 37,442
Total operating income ($m) 22,034 21,943 23,578 21,958 24,127 88,244 91,606
Operating expenses ($m) 11,176 11,299 12,219 12,941 12,147 49,278 48,606
Net profit (loss) after tax ($m) 4,680 2,164 5,814 4,845 6,793 17,752 19,616
Total assets ($m) 3,085,025 3,035,206 3,091,365 3,086,490 3,207,222 3,085,025 3,207,222
Total shareholders' equity ($m) 166,112 172,301 177,050 178,229 184,508 166,112 184,508
Return on assets (after tax) a 0.6% 0.3% 0.8% 0.6% 0.9% 0.6% 0.6%
Return on equity (after tax) a 10.6% 4.5% 14.5% 10.0% 15.3% 11.9% 11.2%
Number of entities 54 55 54 54 54 54 54
Major banks
Net interest income ($m) 11,565 11,620 11,882 10,767 11,546 42,271 45,815
Other operating income ($m) 4,114 4,195 5,917 4,652 5,889 20,097 20,653
Total operating income ($m) 15,680 15,815 17,799 15,419 17,435 62,368 66,468
Operating expenses ($m) 6,883 6,973 7,641 7,999 7,475 29,746 30,088
Net profit (loss) after tax ($m) 3,625 1,308 5,636 4,021 5,807 15,694 16,772
Total assets ($m) 2,328,482 2,318,467 2,379,508 2,374,273 2,485,507 2,328,482 2,485,507
Total shareholders' equity ($m) 134,110 138,694 142,156 141,972 146,985 134,110 146,985
Return on assets (after tax) a 0.6% 0.2% 1.0% 0.7% 1.0% 0.7% 0.7%
Return on equity (after tax) a 10.9% 3.8% 16.1% 11.3% 16.1% 13.4% 11.9%
Number of entities 4 4 4 4 4 4 4
a
Quarterly figures expressed as annual percentage rates. See definitions.
Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Cash and liquid assets 189,451 209,151 188,627 211,605 179,690 192,361
Securities 358,650 366,955 373,580 396,542 406,192 411,177
Acceptances of customers 88,212 87,473 83,812 78,305 79,320 75,481
Gross loans and advances 1,847,274 1,846,100 1,849,827 1,872,039 1,894,227 1,944,396
of which:
Total housing 988,077 1,019,828 1,047,807 1,081,963 1,105,667 1,145,026
Term 555,425 500,102 484,611 478,203 471,891 479,604
Other 303,726 326,095 317,391 311,873 316,669 319,767
Lending provisions 20,768 23,056 23,114 23,303 24,807 25,622
Net loans and advances 1,826,506 1,823,044 1,826,713 1,848,736 1,869,420 1,918,774
Other investments 9,943 9,497 9,324 4,755 6,744 7,150
Fixed assets 8,043 8,237 8,243 8,305 8,288 8,779
Intangible assets 40,202 40,569 40,523 43,384 44,099 44,850
Other assets 537,384 459,212 435,908 436,258 437,928 491,887
Total assets 3,148,680 3,085,025 3,035,206 3,091,365 3,086,490 3,207,222
Due to clearing houses and financial institutions 82,831 71,026 69,434 66,152 63,027 69,605
Acceptances 50,815 49,678 45,669 39,301 42,392 36,882
Deposits 1,586,737 1,615,162 1,577,655 1,600,759 1,589,518 1,644,850
of which:
Call/on demand 675,977 666,048 688,502 662,186 677,921 703,781
Term deposits 502,250 522,508 512,838 563,638 574,008 600,018
Income tax liability 6,670 7,418 7,681 8,956 5,852 9,338
Provisions 6,598 9,325 8,822 5,871 7,756 9,368
of which:
Employee entitlements 3,230 3,536 3,914 3,299 3,483 3,867
Other 3,368 5,789 4,907 2,573 4,273 5,501
Bonds, notes and other borrowings 545,892 528,209 547,695 603,152 596,622 625,081
Creditors and other liabilities 492,045 437,286 430,388 427,398 444,192 470,883
Total liabilities 2,890,085 2,827,637 2,787,371 2,846,935 2,844,616 2,956,421
Net interest income ($m) 13,728 13,582 14,121 12,932 13,529 51,261 54,164
Total operating income ($m) 22,034 21,943 23,578 21,958 24,127 88,244 91,606
Operating expenses ($m) 11,176 11,299 12,219 12,941 12,147 49,278 48,606
Net profit (loss) after tax ($m) 4,680 2,164 5,814 4,845 6,793 17,762 19,616
Average total assets ($m) 3,116,853 3,060,116 3,063,286 3,088,928 3,146,856 2,962,071 3,146,124
Average total shareholders' equity ($m) 165,432 169,207 174,676 177,640 181,369 153,062 175,310
Net interest income to assets 1.8% 1.8% 1.8% 1.7% 1.7% 1.7% 1.7%
Operating income to assets 2.8% 2.9% 3.1% 2.8% 3.1% 3.0% 2.9%
Operating expenses to assets 1.4% 1.5% 1.6% 1.7% 1.5% 1.7% 1.5%
Profit margin 21.2% 9.9% 24.7% 22.1% 28.2% 20.1% 21.4%
Return on assets (after tax) 0.6% 0.3% 0.8% 0.6% 0.9% 0.6% 0.6%
Return on equity (after tax) 10.6% 4.5% 14.5% 10.0% 15.3% 11.9% 11.2%
Other operating income ($m) 8,306 8,362 9,457 9,025 10,598 36,982 37,442
Fee and commission income ($m) 5,314 4,828 5,268 4,753 5,064 19,824 19,913
Total operating income ($m) 22,034 21,943 23,578 21,958 24,127 88,244 91,606
Operating expenses ($m) 11,176 11,299 12,219 12,941 12,147 49,278 48,606
Personnel expenses ($m) 4,918 5,492 5,198 5,269 5,623 20,320 21,582
Non-interest income share 37.7% 38.1% 40.1% 41.1% 43.9% 41.9% 40.9%
Fee income to total operating income 24.1% 22.0% 22.3% 21.6% 21.0% 22.5% 21.7%
Cost to income 50.7% 51.5% 51.8% 58.9% 50.3% 55.8% 53.1%
Personnel to operating expenses 44.0% 48.6% 42.5% 40.7% 46.3% 41.2% 44.4%
Total assets ($m) 3,085,025 3,035,206 3,091,365 3,086,490 3,207,222 3,085,025 3,207,222
Average net loans and advances ($m) 1,824,775 1,824,879 1,837,725 1,859,078 1,894,097 1,763,469 1,870,909
Average deposits ($m) 1,600,950 1,596,409 1,589,207 1,595,139 1,617,184 1,514,604 1,630,006
Growth in total assets -2.0% -1.6% 1.9% -0.2% 3.9% 8.7% 4.0%
Net loans to deposits 114.0% 114.3% 115.6% 116.5% 117.1% 116.4% 114.8%
Deposits to assets 51.4% 52.2% 51.9% 51.6% 51.4% 51.1% 51.8%
Equity to deposits 10.3% 10.6% 11.0% 11.1% 11.2% 10.1% 10.8%
Number of entities 54 55 54 54 54 54 54
Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Cash and liquid assets 140,871 160,296 144,048 165,668 132,937 142,760
Securities 223,407 224,470 232,673 255,735 262,378 280,383
Acceptances of customers 87,922 87,331 83,617 78,138 79,099 75,264
Gross loans and advances 1,527,926 1,537,068 1,545,030 1,558,953 1,578,069 1,625,888
of which:
Total housing 870,223 899,334 924,461 955,615 976,609 1,012,029
Term 420,956 375,682 365,825 357,218 353,679 363,885
Other 236,747 262,052 254,745 246,121 247,781 249,975
Lending provisions 16,733 18,453 18,587 18,513 20,361 21,405
Net loans and advances 1,511,193 1,518,615 1,526,443 1,540,440 1,557,708 1,604,483
Other investments 6,084 5,920 6,074 2,853 4,782 5,069
Fixed assets 7,120 7,239 7,271 7,335 7,317 7,659
Intangible assets 30,297 30,801 30,840 33,692 33,900 34,505
Other assets 355,411 293,810 287,500 295,646 296,154 335,384
Total assets 2,362,305 2,328,482 2,318,467 2,379,508 2,374,273 2,485,507
Due to clearing houses and financial institutions 77,125 65,255 66,187 63,024 60,352 67,100
Acceptances 50,525 49,537 45,474 39,135 42,170 36,666
Deposits 1,286,949 1,331,407 1,301,310 1,321,550 1,306,840 1,357,707
of which:
Call/on demand 579,837 568,252 590,485 561,884 580,013 603,452
Term deposits 421,364 447,943 438,726 484,309 489,700 511,906
Income tax liability 4,690 5,023 5,006 6,334 3,351 6,721
Provisions 4,598 7,524 7,248 4,735 6,538 8,072
of which:
Employee entitlements 2,505 2,665 2,921 2,377 2,710 2,992
Other 2,094 4,859 4,327 2,358 3,828 5,079
Bonds, notes and other borrowings 428,944 400,611 424,353 467,574 460,420 487,043
Creditors and other liabilities 376,399 335,040 330,198 334,999 352,629 375,499
Total liabilities 2,229,230 2,194,397 2,179,776 2,237,351 2,232,300 2,338,807
Net interest income ($m) 11,565 11,620 11,882 10,767 11,546 42,271 45,815
Total operating income ($m) 15,680 15,815 17,799 15,419 17,435 62,368 66,468
Operating expenses ($m) 6,883 6,973 7,641 7,999 7,475 29,746 30,088
Net profit (loss) after tax ($m) 3,625 1,308 5,636 4,021 5,807 15,693 16,772
Average total assets ($m) 2,345,394 2,323,475 2,348,988 2,376,891 2,429,890 2,114,985 2,406,995
Average total shareholders' equity ($m) 133,593 136,402 140,425 142,064 144,479 117,029 140,548
Net interest income to assets 2.0% 2.0% 2.0% 1.8% 1.9% 2.0% 1.9%
Operating income to assets 2.7% 2.7% 3.0% 2.6% 2.9% 2.9% 2.8%
Operating expenses to assets 1.2% 1.2% 1.3% 1.3% 1.2% 1.4% 1.3%
Profit margin 23.1% 8.3% 31.7% 26.1% 33.3% 25.2% 25.2%
Return on assets (after tax) 0.6% 0.2% 1.0% 0.7% 1.0% 0.7% 0.7%
Return on equity (after tax) 10.9% 3.8% 16.1% 11.3% 16.1% 13.4% 11.9%
Other operating income ($m) 4,114 4,195 5,917 4,652 5,889 20,097 20,653
Fee and commission income ($m) 4,018 3,773 4,116 3,451 3,679 15,121 15,019
Total operating income ($m) 15,680 15,815 17,799 15,419 17,435 62,368 66,468
Operating expenses ($m) 6,883 6,973 7,641 7,999 7,475 29,746 30,088
Personnel expenses ($m) 3,826 4,228 4,151 4,049 4,376 15,694 16,804
Non-interest income share 26.2% 26.5% 33.2% 30.2% 33.8% 32.2% 31.1%
Fee income to total operating income 25.6% 23.9% 23.1% 22.4% 21.1% 24.2% 22.6%
Cost to income 43.9% 44.1% 42.9% 51.9% 42.9% 47.7% 45.3%
Personnel to operating expenses 55.6% 60.6% 54.3% 50.6% 58.5% 52.8% 55.8%
Total assets ($m) 2,328,482 2,318,467 2,379,508 2,374,273 2,485,507 2,328,482 2,485,507
Average net loans and advances ($m) 1,514,904 1,522,529 1,533,442 1,549,074 1,581,096 1,394,036 1,561,549
Average deposits ($m) 1,309,178 1,316,359 1,311,430 1,314,195 1,332,274 1,158,425 1,344,557
Growth in total assetsc -1.4% -0.4% 2.6% -0.2% 4.7% 11.8% 6.7%
Net loans to deposits 115.7% 115.7% 116.9% 117.9% 118.7% 120.3% 116.1%
Deposits to assets 55.8% 56.7% 55.8% 55.3% 54.8% 54.8% 55.9%
Equity to deposits 10.2% 10.4% 10.7% 10.8% 10.8% 10.1% 10.5%
Number of entities 4 4 4 4 4 4 4
c
Growth in total assets in quarter end and year end June 2009, includes the growth of Bank of Western Australia Ltd and St.George Bank Limited.
Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Cash and liquid assets 18,321 17,220 14,835 17,606 17,475 18,472
Securities 56,500 60,377 60,776 62,429 62,440 63,908
Acceptances of customers * * * * * *
Gross loans and advances 151,044 149,608 151,183 160,101 162,061 164,845
of which:
Total housing 70,574 72,441 74,778 77,431 79,492 82,737
Term 59,341 55,860 54,043 59,607 57,713 56,956
Other 21,129 21,306 22,362 23,063 24,856 25,152
Lending provisions 1,639 2,026 2,165 2,226 2,217 2,072
Net loans and advances 149,405 147,582 149,018 157,875 159,844 162,773
Other investments * * * * * *
Fixed assets 616 703 685 690 705 861
Intangible assets 9,460 9,329 9,255 9,272 9,784 9,937
Other assets 49,080 45,703 44,580 43,405 46,322 50,215
Total assets 285,676 283,012 280,959 292,511 297,876 307,326
Net interest income ($m) 709 871 989 967 885 4,062 3,712
Total operating income ($m) 4,048 4,115 3,969 4,543 4,856 17,712 17,483
Operating expenses ($m) 3,108 3,276 3,002 4,066 3,479 14,102 13,823
Net profit (loss) after tax ($m) 523 418 563 191 914 1,756 2,086
Average total assets ($m) 284,344 281,986 286,735 295,194 302,601 345,250 295,169
Average total shareholders' equity ($m) 24,808 25,555 26,755 27,842 28,946 27,538 27,174
Net interest income to assets 1.0% 1.2% 1.4% 1.3% 1.2% 1.2% 1.3%
Operating income to assets 5.7% 5.8% 5.5% 6.2% 6.4% 5.1% 5.9%
Operating expenses to assets 4.4% 4.6% 4.2% 5.5% 4.6% 4.1% 4.7%
Profit margin 12.9% 10.2% 14.2% 4.2% 18.8% 9.9% 11.9%
Return on assets (after tax) 0.7% 0.6% 0.8% 0.3% 1.2% 0.5% 0.7%
Return on equity (after tax) 8.4% 6.5% 8.4% 2.7% 12.6% 6.4% 7.7%
Other operating income ($m) 3,339 3,244 2,980 3,576 3,971 13,648 13,771
Fee and commission income ($m) 619 477 460 710 844 2,403 2,491
Total operating income ($m) 4,048 4,115 3,969 4,543 4,856 17,712 17,483
Operating expenses ($m) 3,108 3,276 3,002 4,066 3,479 14,102 13,823
Personnel expenses ($m) 574 773 726 779 789 2,855 3,067
Non-interest income share 82.5% 78.8% 75.1% 78.7% 81.8% 77.1% 78.8%
Fee income to total operating income 15.3% 11.6% 11.6% 15.6% 17.4% 13.6% 14.2%
Cost to income 76.8% 79.6% 75.6% 89.5% 71.6% 79.6% 79.1%
Personnel to operating expenses 18.5% 23.6% 24.2% 19.2% 22.7% 20.2% 22.2%
Total assets ($m) 283,012 280,959 292,511 297,876 307,326 283,012 307,326
Average net loans and advances ($m) 148,494 148,300 153,447 158,860 161,309 187,180 155,178
Average deposits ($m) 118,751 117,739 121,689 126,398 130,251 157,387 124,197
Growth in total assetsd -0.9% -0.7% 4.1% 1.8% 3.2% -0.2% 8.6%
Net loans to deposits 125.0% 126.0% 126.1% 125.7% 123.8% 118.9% 124.9%
Deposits to assets 41.8% 41.8% 42.4% 42.8% 43.0% 45.6% 42.1%
Equity to deposits 20.9% 21.7% 22.0% 22.0% 22.2% 17.5% 21.9%
Number of entities 7 7 7 7 7 7 7
d
Growth in total assets in quarter end and year end June 2009, excludes growth of St.George Bank Limited.
Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Cash and liquid assets 4,311 5,018 5,336 5,793 4,674 6,524
Securities 17,947 17,698 17,519 15,248 15,801 13,508
Acceptances of customers * * * * * *
Gross loans and advances 78,041 78,508 78,544 80,278 83,390 87,263
of which:
Total housing 47,243 48,014 48,518 48,861 49,529 50,221
Term 10,497 9,950 9,600 9,641 10,236 11,261
Other 20,300 20,544 20,427 21,776 23,625 25,781
Lending provisions 640 793 830 936 896 936
Net loans and advances 77,400 77,715 77,714 79,342 82,494 86,327
Other investments * * * * * *
Fixed assets 126 120 117 110 102 102
Intangible assets * * * * 245 242
Other assets 3,166 2,436 2,243 2,268 2,155 2,210
Total assets 103,415 103,390 103,404 103,192 105,703 109,092
Net interest income ($m) 662 567 438 554 600 2,559 2,159
Total operating income ($m) 920 795 771 844 862 3,768 3,272
Operating expenses ($m) 473 425 415 429 438 2,183 1,707
Net profit (loss) after tax ($m) 215 169 151 223 228 739 771
Average total assets ($m) 103,403 103,397 103,298 104,448 107,398 129,206 106,241
Average total shareholders' equity ($m) 7,031 7,250 7,496 7,734 7,945 8,495 7,589
Net interest income to assets 2.6% 2.2% 1.7% 2.1% 2.2% 2.0% 2.0%
Operating income to assets 3.6% 3.1% 3.0% 3.2% 3.2% 2.9% 3.1%
Operating expenses to assets 1.8% 1.6% 1.6% 1.6% 1.6% 1.7% 1.6%
Profit margin 23.4% 21.3% 19.6% 26.4% 26.4% 19.6% 23.6%
Return on assets (after tax) 0.8% 0.7% 0.6% 0.9% 0.8% 0.6% 0.7%
Return on equity (after tax) 12.3% 9.3% 8.1% 11.5% 11.5% 8.7% 10.2%
Other operating income ($m) 258 228 333 290 262 1,209 1,113
Fee and commission income ($m) 230 195 322 262 231 1,018 1,010
Total operating income ($m) 920 795 771 844 862 3,768 3,272
Operating expenses ($m) 473 425 415 429 438 2,183 1,707
Personnel expenses ($m) 201 212 187 210 208 930 817
Non-interest income share 28.0% 28.7% 43.2% 34.4% 30.4% 32.1% 34.0%
Fee income to total operating income 25.0% 24.5% 41.8% 31.0% 26.8% 27.0% 30.9%
Cost to income 51.4% 53.4% 53.9% 50.8% 50.8% 57.9% 52.2%
Personnel to operating expenses 42.5% 50.0% 44.9% 48.9% 47.5% 42.6% 47.9%
Total assets ($m) 103,390 103,404 103,192 105,703 109,092 103,390 109,092
Average net loans and advances ($m) 77,558 77,715 78,528 80,918 84,411 100,272 82,021
Average deposits ($m) 67,774 64,001 63,252 64,354 66,822 85,473 67,622
Growth in total assetse 0.0% 0.0% -0.2% 2.4% 3.2% 6.2% 5.5%
Net loans to deposits 114.4% 121.4% 124.2% 125.7% 126.3% 117.3% 121.3%
Deposits to assets 65.5% 61.9% 61.2% 61.6% 62.2% 66.2% 63.6%
Equity to deposits 10.4% 11.3% 11.9% 12.0% 11.9% 9.9% 11.2%
Number of entities 9 9 9 9 9 9 9
e
Growth in total assets in quarter end and year end June 2009, excludes growth of Bank of Western Australia Ltd.
Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Cash and liquid assets 25,947 26,617 24,407 22,538 24,605 24,605
Securities 60,796 64,411 62,611 63,129 65,574 53,378
Acceptances of customers * * * * * *
Gross loans and advances 90,263 80,916 75,069 72,706 70,708 66,400
of which:
Total housing 36 39 50 57 38 39
Term 64,631 58,610 55,143 51,737 50,263 47,502
Other 25,550 22,193 19,857 20,913 20,408 18,859
Lending provisions 1,756 1,784 1,532 1,627 1,333 1,209
Net loans and advances 88,507 79,132 73,537 71,079 69,374 65,191
Other investments * * * * * *
Fixed assets 181 174 171 170 165 158
Intangible assets * * * * 170 166
Other assets 129,727 117,263 101,586 94,939 93,297 104,078
Total assets 397,284 370,141 332,376 316,155 308,637 305,298
Quarter end
Year end Year end
Jun 2009 Jun 2010
Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010
Net interest income ($m) 792 524 811 644 498 2,370 2,477
Total operating income ($m) 1,386 1,218 1,039 1,151 975 4,398 4,383
Operating expenses ($m) 712 625 1,161 446 755 3,247 2,987
Net profit (loss) after tax ($m) 316 268 -537 410 -155 -438 -14
Average total assets ($m) 383,713 351,259 324,266 312,396 306,968 372,631 337,720
Net interest income to assets 0.8% 0.6% 1.0% 0.8% 0.6% 0.6% 0.7%
Operating income to assets 1.4% 1.4% 1.3% 1.5% 1.3% 1.2% 1.3%
Operating expenses to assets 0.7% 0.7% 1.4% 0.6% 1.0% 0.9% 0.9%
Profit margin 22.8% 22.0% -51.7% 35.6% -15.9% -10.0% -0.3%
Other operating income ($m) 595 695 227 507 477 2,028 1,906
Fee and commission income ($m) 447 382 369 330 310 1,291 1,391
Total operating income ($m) 1,386 1,218 1,039 1,151 975 4,398 4,383
Operating expenses ($m) 712 625 1,161 446 755 3,247 2,987
Personnel expenses ($m) 317 278 135 231 249 848 893
Non-interest income share 42.9% 57.0% 21.9% 44.1% 48.9% 46.1% 43.5%
Fee income to total operating income 32.3% 31.4% 35.5% 28.6% 31.8% 29.4% 31.7%
Cost to income 51.4% 51.3% 111.8% 38.7% 77.4% 73.8% 68.1%
Personnel to operating expenses 44.6% 44.5% 11.6% 51.8% 33.0% 26.1% 29.9%
Total assets ($m) 370,141 332,376 316,155 308,637 305,298 370,141 305,298
Average net loans and advances ($m) 83,820 76,335 72,308 70,227 67,283 81,982 72,162
Average deposits ($m) 105,247 98,310 92,837 90,193 87,839 113,319 93,631
Growth in total assets -6.8% -10.2% -4.9% -2.4% -1.1% -1.3% -17.5%
Net loans to deposits 79.6% 77.6% 77.9% 77.9% 76.6% 72.3% 77.1%
Deposits to assets 27.4% 28.0% 28.6% 28.9% 28.6% 30.4% 27.7%
Number of entities 34 35 34 34 34 34 34
Introduction
This quarterly publication provides bank aggregate statistics, comprising data on financial performance,
financial position and key financial performance ratios. Banks are classified as major banks, other domestic
banks, foreign subsidiary banks and branches of foreign banks in this publication.
Source of data
The data in this publication are sourced from the following returns submitted to APRA under the Financial
Sector (Collection of Data) Act 2001 by regulated banks.
Profit and loss returns:
• ARF 330.0 Statement of Financial Performance (Licensed ADI and Consolidated Group Books);
• ARF 330.1 Interest Income and Interest Expense (Licensed ADI and Consolidated Group Books) ;
• ARF 330.2 Other Operating Income (Licensed ADI and Consolidated Group Books); and
• ARF 330.3 Other Operating Expense (Licensed ADI and Consolidated Group Books).
Balance sheet returns:
• ARF 320.0 Statement of Financial Position (Domestic Books) ; and
• ARF 322.0 Statement of Financial Position (Consolidated Group Books).
Blank copies of returns and associated instructions are available on APRA's website.
Basis of preparation
For the profit and loss returns, locally incorporated banks that include Australian-owned banks and foreign
subsidiary banks with controlled entities and associates are required to complete the returns on both a
licensed basis and a consolidated basis. Foreign bank branches and locally incorporated banks with no
controlled entities and associates are required to report on a licensed basis only.
For the balance sheet returns, locally incorporated banks that include Australian-owned banks and foreign
subsidiary banks with controlled entities and associates are required to complete the returns on both a
domestic books basis and a consolidated basis. Foreign bank branches and locally incorporated banks with no
controlled entities and associates are required to report on a domestic book basis only.
As per the reporting requirements of the above returns except for ARF 320.0 Statement of Financial Position
(Domestic Books) , the basis of consolidation is in accordance with the requirements of the Australian
accounting standards.
Email
info@apra.gov.au
Website
ADI_ST_QBP_062010_ex
www.apra.gov.au
Mail
GPO Box 9836
In all capital cities
(except Hobart and Darwin)