The Australian Prudential Regulation Authority’s (APRA) Quarterly Authorised Deposit-taking Institution Property Exposures Statistics contains data on commercial and residential property exposures, including detail on risk indicators, loan serviceability characteristics and non-performing loans, since March 2019.

APRA is an independent statutory authority that supervises institutions across the banking, insurance and superannuation sectors and promotes financial stability in Australia.

The statistics available in the Quarterly Authorised Deposit-taking Institution Property Exposures Statistics publication are sourced from returns submitted to APRA under the Financial Sector (Collection of Data) Act 2001 by ADIs – ARF 223.0 Residential Mortgage Lending (Level 1 and Level 2). The publication includes statistics on residential term loans, and it uses statistics based on ‘loans funded’ where any portion of the funds are made available for the borrower to draw down, whether or not it is drawn down within that period.

Loans are categorised based on the predominant purpose of the funds. To be considered an owner-occupied loan, the funds must be used for a residential property that is occupied or to be occupied by the borrower(s) as their principal place of residence. This includes dwellings and residential land that are vacant while under construction but that the borrower intends to occupy as a principal place of residence; and part-time residences that are the borrower(s) principal place of residence. It excludes part-time residences that are not the borrower(s) principal place of residence. These are reported as investment loans.

APRA data are also used in the following dashboard menu options: Monthly authorised deposit-taking institution statistics, Temporary loan repayment deferrals (historic, discontinued)​ and Monthly banking statistics (historic, discontinued).

See APRA - Quarterly authorised deposit-taking institution property exposures statistics for source data and further important interpretative information. Source reference Quarterly Authorised Deposit-taking Institution Property Exposures Statistics, Table 1b.