Australian Banking Association
ABA × Mandala · June 2026

The Essential
Infrastructure.

How Australian banks power the economy

$0B
In economic activity generated in 2025 by loans issued through Australian banks
0
jobs supported across the economy
0%
of banks owned by Australian households
01 · The economic multiplier

Every $1 of profit held by banks supports $4.70 of economic activity

Starting point
$1.00
of bank profit
generates
$1.10
$3.40
$0.20
Hover or tap a segment to learn how each dollar flows through the economy.
Total economic activity
$4.70
The total economic activity of bank loans is roughly equivalent to Australia's entire hospital spend in FY24.
02 · Economic activity

Where the $110 billion flows

Activity by loan type ($B)

$110B

Jobs supported

0
total jobs across Australia
Direct employment0
Indirect employment0
That's equivalent to the total number of full-time teachers across Australia.
03 · Who owns the banks

Australians own 65% of their banks

Total
$730B
The share owned by Australians has grown 9 percentage points over the last 10 years, up from 56% in 2015.
04 · Dividends to households

$17.3 billion in dividends flowed to Australian households in 2025

Personally-heldHousehold$5.9B
APRA super fundsHousehold$7.9B
SMSFsHousehold$3.5B
Other investors$9.5B
Australian households
$17.3B
Total dividends
$26.8B
That's equivalent to every Australian household receiving over $1,600, an extra week's wages for the average Australian.
05 · Tax contribution

Banks pay the highest effective corporate tax rate at 29%

Banks
29.0%
Retail
28.9%
Supermarkets
28.6%
Real estate
28.5%
Telcos
27.8%
Mining
26.2%
Financials
26.1%
Energy
23.9%
Healthcare
19.8%
$10.3B
corporate tax paid in FY24
1.5x
the Federal Government's rent assistance expenditure
127,000
equivalent to the salary of this many nurses
06 · Backing small business

Bank lending to SMBs has grown 82% in five years

Lending volume ($B)

SMB +82%
Large +2%
2.7M
SMBs in Australia, generating 55% of economic output
−39 bps
SMB loan margins have fallen since 2021, saving a business with a $500,000 loan ~$1,950 per year.
07 · Community support

$722 million in community support, hardship and disaster relief in 2025

Bendigo BankVictoria

Backing communities impacted by the 2026 Victorian bushfires

Bendigo Bank invested more than $120,000 across six recovery programs for fire-impacted communities, from daily lunches and trauma sessions to volunteer camps, community stages and equipment for emergency preparedness.

$150K
Raised in disaster appeals
$750K+
Distributed to communities
Across the sector
NAB offered $1,000 relief grants to each customer with home or business damage from Cyclone Alfred.
ANZ's natural disaster relief package covers temporary accommodation for eligible customers.
Bendigo Bank launched the Victorian Bushfire Appeal for immediate relief and long-term recovery.
Bank community support was equivalent to ~15% of total insurance payouts for extreme weather events in 2025.
08 · Home ownership

Banks are the driving force behind home ownership

65%
of all property settlements completed with a bank loan in FY25 (445,000 transactions)
670,000
first home buyers supported over the last 5 years
~110,000
new homes enabled through $49B in construction funding in 2025
280,000+
customers in hardship helped to stay in their homes in FY25

Banks are the essential infrastructure that underpins our economy

Read the full report to explore the data behind the story.

Download the full reportVisit ausbanking.org.au →