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Financial market: Temporary loan repayment deferrals (historic, discontinued)

Temporary loan repayment deferrals (historic, discontinued)

The Australian Prudential Regulation Authority (APRA) is an independent statutory authority that supervises institutions across the banking, insurance and superannuation sectors and promotes financial stability in Australia.

During the COVID-19 pandemic, many authorised deposit-taking institutions (ADIs) granted temporary relief to borrowers impacted by COVID-19, allowing them to defer loan repayments for a period of time. To provide greater transparency of loan repayment deferrals at the industry level, APRA published the aggregated data obtained from:

  • Australia's 20 largest ADIs (by loan size) (for data prior to June 2020)
  • all ADIs excluding foreign branches (for data from June 2020 to September 2020)
  • all ADIs with over $20 million of loans subject to repayment deferral (for data from October 2020 to February 2021)
  • all ADIs with over $50 million of loans subject to repayment deferral (for data from July 2021). 

The initial round of APRA’s temporary loan repayment deferrals programs began in March 2020 and ended on 31 March 2021. From July 2021 APRA provided a further round of temporary regulatory treatment for loans impacted by COVID-19, and this ‘second round’ of concessional treatment for new loans subject to repayment deferral ended on 30 September 2021. APRA has subsequently discontinued its statistical publication, with the October 2021 edition being the final publication of this data.

Note there are no data published for the period March 2021 to June 2021 (inclusive), and limited data for July 2021. APRA lifted the threshold for reporting in its ‘second round’ publication to include those ADIs with $50 million and 50 facilities in loans subject to repayment deferral, compared to $20 million and 20 facilities in the ‘first round’.

For more information on the banking sectors and the period of disruption driven by COVID-19, APRA has published a set of Banking COVID-19 frequently asked questions.

APRA data are also used in the following dashboard menu option: Monthly authorised deposit-taking institution statistics, Non-performing residential property loans and Monthly banking statistics (historic, discontinued).

See APRA - statistical publications for source data and further important interpretative information. Source reference publication Temporary loan repayment deferrals due to COVID-19, accessible version.