Bendigo and Adelaide Bank Releases 1Q27 Quarterly Credit Risk Tables CR1 and CR4

Mukul

13 November 2026 02:21 PM AEDT

Bendigo and Adelaide Bank Releases 1Q27 Quarterly Credit Risk Tables CR1 and CR4

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Bendigo and Adelaide Bank (ASX:BEN) has released its quarterly credit risk tables CR1 and CR4 for the first quarter of fiscal year 2027, covering the period to 30 September 2026, disclosing total gross carrying values of $106,477.9 million across loans, debt securities and off-balance sheet exposures.

Key Points

Total gross carrying values of performing and non-performing exposures stood at $106,477.9 million as at 30 September 2026, with a net value of $106,477.9 million after allowances.
Non-performing exposures across loans and off-balance sheet items totalled $1,231.5 million, with specific provisions of $83.6 million and general provisions of $288.6 million.
Total on-balance sheet exposures before CCF and CRM were $98,217.4 million, with total risk-weighted assets of $35,228.9 million and an RWA density of 35.6%.
Real estate exposures represented the largest asset class, with on-balance sheet amounts of $76,437.6 million before CCF and CRM, carrying an RWA of $30,147.3 million and an RWA density of 37.5%.

CR1 Credit Quality of Assets as at 30 September 2026

The CR1 table discloses a breakdown of performing and non-performing exposures along with related provisions for credit losses. Total performing exposures across loans, debt securities and off-balance sheet items amounted to $105,618.6 million, while non-performing exposures totalled $1,231.5 million. Loans carried gross performing values of $82,993.1 million and non-performing values of $1,216.6 million, with allowances and impairments of $372.2 million. Debt securities recorded performing exposures of $10,200.0 million. Off-balance sheet exposures on a gross basis were $12,440.4 million. Total allowances and impairments across all categories were $372.2 million.

CR4 Standardised Approach Credit Risk Exposures and RWA by Asset Class

The CR4 table sets out on-balance sheet and off-balance sheet exposures before and after credit conversion factors and credit risk mitigation, alongside associated risk-weighted assets and RWA density by asset class. Sovereigns and their central banks carried on-balance sheet exposures of $10,662.5 million with an RWA density of 0.1%. Corporate exposures recorded an RWA of $1,299.1 million at a density of 81.0%. Non-performing exposures reported an on-balance sheet amount of $1,151.5 million post-CCF and post-CRM, with an RWA of $1,380.7 million and an RWA density of 119.2%. Land acquisition, development and construction exposures carried an RWA density of 150.0%.

Residential and Commercial Property Exposure Detail

Within the real estate asset class, residential property owner-occupied standard exposures on-balance sheet were $46,088.6 million before CCF and CRM, with an RWA of $13,499.8 million and a density of 28.3%. Residential property other standard exposures recorded an RWA of $7,167.7 million at 37.1% density. Non-standard residential property other exposures carried a 100.0% RWA density. Commercial property not dependent on cashflows showed an RWA of $6,601.8 million at 66.2% density, while commercial property dependent on cashflows recorded an RWA of $1,896.1 million at 79.0% density. The release was approved by the Bendigo and Adelaide Bank Board.

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