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.

Posted by
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
Published
| More on:

You’re reading a free article with opinions that may differ from The Motley Fool’s Premium Investing Services. Become a Motley Fool member today to get instant access to our top analyst recommendations, in-depth research, investing resources, and more. Learn More

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.

View Original Announcement

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.

More on ASX Share Market News

Wooden house models on a table with a man using a calculator.
Broker Notes

Why this expert believes it's time to exit positions in REA Group shares

| Aaron Bell

One broker is calling time on this ASX 200 stock.

Read more »

A group of young ASX investors sitting around a laptop with an older lady standing behind them explaining how investing works.
ASX Share Market News

Light & Wonder vs Aristocrat Leisure: Which gaming share wins?

| Laura Stewart

Light & Wonder or Aristocrat Leisure: see how the ASX gaming leaders stack up head-to-head – and which one I’d…

Read more »

Five young people sit in a row having fun and interacting with their mobile phones.
Share Gainers

Here are the top 10 ASX 200 shares today

| Sebastian Bowen

It was a slightly sour end to the trading week this Friday.

Read more »

Two miners at a mine site on their tablets, with mining machinery behind them.
Share Fallers

Why has the Mineral Resources share price fallen 12% this week?

| Aaron Teboneras

It’s been another tough week for Mineral Resources shareholders.

Read more »

Graphic depicting Australian economic activity.
ASX Share Market News

ASX 200 slips into the red after a positive start. Here's why

| Aaron Teboneras

The benchmark index is seesawing again.

Read more »

Happy young couple riding a motorbike together.
Broker Notes

7 ASX 200 shares with reaffirmed buy ratings this week

| Bronwyn Allen

Brokers retained a positive view on Santos, Zip, AMP, and other shares this week. 

Read more »

Sad man sitting at desk and grabbing his head as he looks at a laptop.
Broker Notes

Downgrade alert! 5 ASX 200 shares downgraded by experts this week

| Bronwyn Allen

Brokers reduced their ratings on Wisetech, Harvey Norman, Ansell, and other stocks this week. 

Read more »

Woman holding several shopping bags.
Broker Notes

ASX retail shares are down 13% in 2026. Here's what Morgan Stanley is worried about

| Aaron Teboneras

The sector has fallen hard, and concerns remain.

Read more »