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%.
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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.
