Data › APRA monthly banking statistics › April 2026
APRA Monthly Briefing · Apr 2026
Australian banks in April 2026: $5.90 trillion of assets, lending up 0.6%, deposits up 0.6%
System Assets $5.90tn +0.74% MoM · +5.30% YoY119 ADIs reportingSource · APRA MADIS
This monthApril
Funding gap widens $5.2bn as lending outruns deposits. Lending grew +$25.7bn in April against +$20.4bn of new deposits; the funding gap now sits at $612.0bn - this month alone is around a sixth of the past year's move.
The numbers · tap a row for detail
Total lending$4.04tn+0.64%in lineHousing lending$2.47tn+0.56%in lineOwner-occupier housing$1.67tn+0.44%in lineInvestor housing$807.0bn+0.81%above avgBusiness lending$1.24tn+0.85%in lineCredit cards$27.5bn−2.57%below avgPersonal lending$68.5bn+0.70%above avgTotal deposits$3.42tn+0.60%in lineHousehold deposits$1.74tn+0.84%above avgBusiness deposits$902.4bn+0.11%below avgFI, government and community deposits$777.9bn+0.63%above avgFunding gap$612.0bn+$5.2bnwideningWholesale funding$1.23tn+0.27%in lineNCDs$229.3bn+9.74%above avg
System & Big 5
Where the money moved this month - each card shows the system total, the move against a typical month, and which of the Big 5 drove it.
Total lending$4.04tn system
Macquarie led at 2.9× system pace
▲ +$25.7bn MoM (+0.64%)prior month +0.80% · past 12 mo +8.02%
typical month+0.65%in line
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · ANZ up from 5th to 3rd
Big-5 share 76.7% · past 12 mo +$299.8bn (+8.02%) · households 64% · business 31%
Total deposits$3.42tn system
Macquarie led at 3.2× system pace
▲ +$20.4bn MoM (+0.60%)prior month +0.52% · past 12 mo +8.14%
typical month+0.65%in line
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for 5 months running · CBA up from 5th to 3rd
Big-5 share 79.3% · past 12 mo +$257.7bn (+8.14%) · households 51% · business 26% · financial institutions, government and community 23%
Household deposits$1.74tn system
Macquarie led at 2.4× system pace
▲ +$14.5bn MoM (+0.84%)prior month +0.44% · past 12 mo +8.13%
typical month+0.66%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · ANZ up from 5th to 2nd
Big-5 share 78.5% · past 12 mo +$131.2bn (+8.13%)
Housing lending$2.47tn system
Macquarie led at 3.6× system pace
▲ +$13.9bn MoM (+0.56%)prior month +0.57% · past 12 mo +6.96%
typical month+0.56%in line
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · CBA down from 2nd to 4th
Big-5 share 80.5% · past 12 mo +$161.1bn (+6.96%) · OO 67% · INV 33%
Owner-occupier housing$1.67tn system
Macquarie led at 4.2× system pace
▲ +$7.4bn MoM (+0.44%)prior month +0.37% · past 12 mo +6.07%
typical month+0.49%in line
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured
Big-5 share 78.3% · past 12 mo +$95.5bn (+6.07%)
Investor housing$807.0bn system
Macquarie led at 2.8× system pace
▲ +$6.5bn MoM (+0.81%)prior month +0.98% · past 12 mo +8.85%
typical month+0.71%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · Westpac up from 5th to 3rd
Big-5 share 84.9% · past 12 mo +$65.6bn (+8.85%)
Credit cards$27.5bn system
▼ −$0.7bn MoM (−2.57%)prior month +0.26% · past 12 mo −1.55%
typical month−0.11%below avg
Month-on-month · Big 5 + rest of system
NAB led on pace this month, taking over from CBA
Big-5 share 94.6% · past 12 mo −$0.4bn (−1.55%)
Personal lending$68.5bn system
ANZ led at 1.7× system pace
▲ +$0.5bn MoM (+0.70%)prior month +0.87% · past 12 mo +3.77%
typical month+0.31%above avg
Month-on-month · Big 5 + rest of system
ANZ has led on pace for 3 months running
Big-5 share 81.6% · past 12 mo +$2.5bn (+3.77%)
Financial institution, government and community deposits$777.9bn system
Macquarie led at 4.6× system pace · CBA moved against system
▲ +$4.8bn MoM (+0.63%)prior month +1.11% · past 12 mo +5.14%
typical month+0.42%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for 2 months running
Big-5 share 76.5% · past 12 mo +$38.0bn (+5.14%) · financial institutions 80% · government 15% · community service organisations 6%
Who’s growing where
The same books cut by segment - per-bank month-on-month growth RATES (fair race across book sizes), plus how each bank funds itself.
Housing: owner-occupier vs investor
Mortgage books only, split by borrower purpose.
Investor grew 1.8× owner-occupier pace · Macquarie led at +2.30%
Owner-occupier·Investor· bars = MoM %
system pace: Owner-occupier +0.44% · Investor +0.81% MoM
Lending: household vs business
Household = mortgages + credit cards + personal lending. Mortgages alone appear under Housing lending.
Business grew 1.6× household pace · ANZ led at +1.24%
Household·Business· bars = MoM %
system pace: Household +0.53% · Business +0.85% MoM
Deposits: household vs business
Household = deposits held by natural persons; business = non-financial corporations.
Household grew 7.3× business pace · Macquarie led at +2.04%
Household·Business· bars = MoM %
system pace: Household +0.84% · Business +0.11% MoM
Funding mixdeposits vs wholesale
ANZ leans most on wholesale markets (30.8% of deposits plus wholesale) · CBA is the most deposit-funded (80.4%)
Deposits·Wholesale
system: deposits 73.5% · wholesale 26.5% · wholesale = short-term + long-term borrowings (NCDs are inside both)
Beyond the Big 5
The other ~110 ADIs - roughly a quarter of system lending the majors’ cards don’t show: regionals, foreign branches, mutuals and neobanks.
Beyond the Big 523.3% of system lending
Biggest individual movers among lending books over $5.0bn: ING Bank +$0.8bn · JPMorgan Chase Bank −$0.8bn · Norfina −$0.6bn
Peer groups · lending month-on-month · 12-mo share shift
share of system lending: Regional Banks 10.4% (−0.49pp yr) · Foreign Banks 8.6% (+0.11pp yr) · Mutuals 3.8% (+0.05pp yr) · Neobanks 0.4% (+0.04pp yr)
Funding gap
Lending minus deposits. When loan books grow faster than deposits, the difference has to be funded somewhere else - NCDs (short-term money-market paper) are one of the main plugs.
System funding gap$612.0bn now
Widened +$5.2bn in the month - this month alone is around a sixth of the past year's +$42.1bn move
▲ +$5.2bn MoM (+0.86%)prior month +2.42% · past 12 mo +7.39%
typical month+0.62%widening
driver: lending +$25.7bn vs deposits +$20.4bn
Big-5 gap month-on-month
gap $612.0bn · past 12 mo +$42.1bn · prior month +$14.3bn
Household funding gap$827.1bn now
Narrowed −$0.9bn in the month
▼ −$0.9bn MoM (−0.11%)prior month +0.86% · past 12 mo +4.02%
typical month+0.34%narrowing
driver: household lending +$13.6bn vs deposits +$14.5bn
Big-5 gap month-on-month
gap $827.1bn · past 12 mo +$32.0bn · prior month +$7.1bn
Wholesale funding$1.23tn system
CBA took 51% of the system's +$3.3bn move
▲ +$3.3bn MoM (+0.27%)prior month +3.09% · past 12 mo +3.59%
typical month+0.30%in line
Month-on-month · Big 5 + rest of system
ANZ led on pace this month, taking over from Macquarie · Macquarie down from 1st to 5th
Big-5 share 73.5% · past 12 mo +$42.8bn (+3.59%) · short-term 40% · long-term 60% · securitised assets on balance sheet $705.3bn
Negotiable certificates of deposit$229.3bn system
Westpac was the largest mover at +$6.1bn
▲ +$20.3bn MoM (+9.74%)prior month +0.81% · past 12 mo +12.04%
typical month+1.02%above avg
Month-on-month · Big 5 + rest of system
Big-5 share 56.5% · past 12 mo +$24.6bn (+12.04%) · NCDs 19% of wholesale
NCDs are short-term IOUs banks issue to investors, usually under a year - a rising balance means more lending funded from money markets rather than customer deposits.
Cite this pagewritten 2026-10-31
Open Market Intel, "Australian banks in April 2026", from APRA Monthly Authorised Deposit-taking Institution Statistics, April 2026. https://openmarketintel.com/data/apra/2026-04
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Source figures are APRA's, published under Creative Commons Attribution 3.0 Australia at apra.gov.au.