Home / ASX Share Market News / Bendigo and Adelaide Bank reports stable capital and funding buffers

Bendigo and Adelaide Bank reports stable capital and funding buffers

Bendigo and Adelaide Bank released its Basel III Pillar 3 update.

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Laura Stewart
Author bio Laura Stewart is a Finance Editor at The Motley Fool, where she covers Australian and international equity markets. She joined the company in 2022, following a career transition from legal advisory work in Southeast Asia into the investment industry. Prior to her current editorial role, Laura spent three years as an Equity Analyst and Writer, producing investment research across the ASX, NYSE, and NASDAQ. Her coverage included small-cap growth companies, thematic investment ideas, and high-quality U.S.-listed businesses. Laura holds a Master of Applied Finance and brings additional expertise in accounting, taxation, and estate and wealth planning from her postgraduate studies. She also has a background in law and communications, which supports her analytical and reporting work in financial markets. Outside of work, she enjoys spending time in the Adelaide Hills with her flock of sheep. Education Laura holds a Bachelor of Laws, a Bachelor of Communication (Journalism), and a Bachelor of Commerce with majors in Accounting and Corporate Finance. In 2025, she completed a Master of Applied Finance at the University of Adelaide, receiving postgraduate awards in Accounting Concepts & Methods, Ethical Principles in Accounting & Finance, Real Estate Valuation & Investment, and Tax, Estate & Wealth Planning. Social media LinkedIn FYI – I am taking a break from social media at the moment, so this account isn’t active at the moment, but I will let you know when I rejoin. Favorite investment quote "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." — Albert Einstein
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Key points
  • Bendigo and Adelaide Bank disclosed a CET1 ratio of 10.93% and an LCR of 136.5%, with the CET1 ratio slightly decreasing due to dividend payments, offset by earnings and reserve changes.
  • The bank reported a reduction in risk-weighted assets and an increase in NSFR to 117.7%, driven by stable retail deposits and adjustments in asset and funding positions.
  • Although the share price has risen 2% over the past year, lagging the ASX 200, Bendigo and Adelaide Bank maintains robust capital and liquidity buffers, aligning with APRA requirements to support future growth.

The Bendigo and Adelaide Bank Ltd (ASX: BEN) share price is in focus today after the company released its Basel III Pillar 3 disclosures for the quarter ended 30 September 2025, highlighting a Common Equity Tier 1 (CET1) ratio of 10.93% and a liquidity coverage ratio (LCR) of 136.5%.

couple having a happy discussion with a banker

Image source; Getty Images

What did Bendigo and Adelaide Bank report?

  • Common Equity Tier 1 (CET1) ratio decreased by 7 basis points to 10.93% (Jun 2025: 11.00%).
  • Liquidity Coverage Ratio (LCR) increased to 136.5% (Jun 2025: 132.3%).
  • Net Stable Funding Ratio (NSFR) rose to 117.7% (Jun 2025: 115.9%).
  • Total risk-weighted assets (RWA) decreased by $305 million to $38.99 billion.
  • High-quality liquid assets averaged $12.95 billion for the quarter.

What else do investors need to know?

Bendigo and Adelaide Bank's CET1 ratio was impacted by the $187 million final dividend payment in the quarter, which was partly offset by earnings of $86.7 million and favourable changes in other comprehensive income reserves. The reduction in risk-weighted assets was mainly due to lower residential property lending in third-party channels, partially countered by increased operational risk RWA.

The improved LCR reflects more stable retail and SME deposits, following updates to the Bank's deposit classification methodology, as well as lower wholesale funding maturities. The rise in NSFR was mainly attributed to a rundown in lending and other assets, increasing the bank's stable funding position.

What's next for Bendigo and Adelaide Bank?

Looking ahead, Bendigo and Adelaide Bank is focused on maintaining a strong capital and funding position to support future lending growth. Management will continue prioritising prudent risk management and efficiency in balance sheet settings as economic and regulatory conditions evolve.

The bank's capital and liquidity buffers remain comfortably above APRA minimum requirements, positioning it well to navigate ongoing changes in the lending environment and funding markets.

Bendigo and Adelaide Bank share price snapshot

Bendigo and Adelaide Bank shares have risen 2% over the past 12 months, trailing the S&P/ASX 200 Index (ASX: XJO) which has increased 7% over the same period.

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Motley Fool contributor Laura Stewart has no position in any of the stocks mentioned. The Motley Fool Australia's parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has positions in and has recommended Bendigo And Adelaide Bank. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips. This article was prepared with the assistance of Large Language Model (LLM) tools for the initial summary of the company announcement. Any content assisted by AI is subject to our robust human-in-the-loop quality control framework, involving thorough review, substantial editing, and fact-checking by our experienced writers and editors holding appropriate credentials. The Motley Fool Australia stands behind the work of our editorial team and takes ultimate responsibility for the content published by The Motley Fool Australia.

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