BEN.ASX: Basel III Pillar 3 Disclosures

Basel III Pillar 3 Disclosures

Stock	Bendigo and Adelaide Bank Ltd (BEN.ASX)
Release Time	11 Nov 2025, 8:24 a.m.
Price Sensitive	Yes

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Bendigo and Adelaide Bank Releases Basel III Pillar 3 Disclosures

Key Points

CET1 ratio decreased to 10.93% in September 2025 due to lower retained earnings and RWA changes
LCR increased to 136.5% in Q3 2025 due to lower net cash outflows
NSFR increased to 117.7% in Q3 2025 due to reduced required stable funding

Full Summary

Bendigo and Adelaide Bank Limited (ASX:BEN) has released its Basel III Pillar 3 disclosures for the period ended 30 September 2025. The key metrics disclosed include the bank's Common Equity Tier 1 (CET1) ratio, Liquidity Coverage Ratio (LCR), and Net Stable Funding Ratio (NSFR). The CET1 ratio decreased by 7 basis points to 10.93% in September 2025, driven by a decrease in net regulatory retained earnings and an increase in Other Comprehensive Income reserves, partially offset by a decrease in risk-weighted assets (RWA). The bank's average LCR for the September 2025 quarter was 136.5%, up from 132.3% in the prior quarter, due to a reduction in net cash outflows. The NSFR increased to 117.7% in September 2025 from 115.9% in June 2025, largely due to a reduction in required stable funding. The bank's disclosures provide detailed breakdowns of its risk-weighted assets, liquidity, and funding positions, in line with APRA's Prudential Standard APS 330.