Data › APRA monthly banking statistics › June 2026
APRA Monthly Briefing · Jun 2026
Australian banks in June 2026: $6.03 trillion of assets, lending up 1.1%, deposits up 1.5%
System Assets $6.03tn +1.66% MoM · +6.80% YoY117 ADIs reportingSource · APRA MADIS
This monthJune
Funding gap narrows $7.7bn as deposits outpace lending. Lending grew +$42.8bn in June against +$50.6bn of new deposits; the funding gap now sits at $635.9bn - this month alone is around a sixth of the past year's move. Households mirrored it: housing lending +$18.0bn vs −$13.3bn of new household deposits. Consumer credit (cards + personal) grew +1.43% - above its +0.31% typical month.
The numbers · tap a row for detail
Total lending$4.11tn+1.05%above avgHousing lending$2.51tn+0.72%above avgOwner-occupier housing$1.69tn+0.63%above avgInvestor housing$820.3bn+0.91%above avgBusiness lending$1.27tn+1.53%above avgCredit cards$27.8bn+1.36%above avgPersonal lending$70.0bn+1.45%above avgTotal deposits$3.47tn+1.48%above avgHousehold deposits$1.73tn−0.76%below avgBusiness deposits$937.6bn+3.57%above avgFI, government and community deposits$803.4bn+4.08%above avgFunding gap$635.9bn−$7.7bnnarrowingWholesale funding$1.25tn+1.81%above avgNCDs$230.1bn+0.07%below 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$4.11tn system
Macquarie led at 1.6× system pace
▲ +$42.8bn MoM (+1.05%)prior month +0.77% · past 12 mo +8.62%
typical month+0.69%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · CBA up from 4th to 2nd
Big-5 share 76.7% · past 12 mo +$326.1bn (+8.62%) · households 63% · business 31%
Total deposits$3.47tn system
Westpac led at 1.5× system pace
▲ +$50.6bn MoM (+1.48%)prior month −0.02% · past 12 mo +8.42%
typical month+0.68%above avg
Month-on-month · Big 5 + rest of system
Westpac led on pace this month
Big-5 share 79.5% · past 12 mo +$269.7bn (+8.42%) · households 50% · business 27% · financial institutions, government and community 23%
Household deposits$1.73tn system
▼ −$13.3bn MoM (−0.76%)prior month +0.15% · past 12 mo +7.86%
typical month+0.63%below avg
Month-on-month · Big 5 + rest of system
NAB led on pace this month, taking over from Macquarie · Macquarie down from 1st to 5th
Big-5 share 78.5% · past 12 mo +$126.3bn (+7.86%)
Housing lending$2.51tn system
Macquarie led at 2.6× system pace
▲ +$18.0bn MoM (+0.72%)prior month +0.53% · past 12 mo +6.89%
typical month+0.56%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured
Big-5 share 80.6% · past 12 mo +$161.6bn (+6.89%) · OO 67% · INV 33%
Owner-occupier housing$1.69tn system
Macquarie led at 3.0× system pace
▲ +$10.5bn MoM (+0.63%)prior month +0.43% · past 12 mo +5.86%
typical month+0.48%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured
Big-5 share 78.4% · past 12 mo +$93.3bn (+5.86%)
Investor housing$820.3bn system
Macquarie led at 2.1× system pace
▲ +$7.4bn MoM (+0.91%)prior month +0.73% · past 12 mo +9.07%
typical month+0.73%above avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured
Big-5 share 85.1% · past 12 mo +$68.2bn (+9.07%)
Credit cards$27.8bn system
Westpac led at 1.7× system pace
▲ +$0.4bn MoM (+1.36%)prior month −0.23% · past 12 mo −1.13%
typical month−0.08%above avg
Month-on-month · Big 5 + rest of system
Westpac has led on pace for 2 months running
Big-5 share 94.6% · past 12 mo −$0.3bn (−1.13%)
Personal lending$70.0bn system
Westpac led at 1.5× system pace
▲ +$1.0bn MoM (+1.45%)prior month +0.69% · past 12 mo +5.88%
typical month+0.48%above avg
Month-on-month · Big 5 + rest of system
Westpac led on pace this month, taking over from ANZ
Big-5 share 81.7% · past 12 mo +$3.9bn (+5.88%)
Financial institution, government and community deposits$803.4bn system
Westpac led at 2.1× system pace
▲ +$31.5bn MoM (+4.08%)prior month −0.78% · past 12 mo +6.84%
typical month+0.56%above avg
Month-on-month · Big 5 + rest of system
Westpac led on pace this month, taking over from ANZ · CBA up from 4th to 2nd
Big-5 share 76.9% · past 12 mo +$51.4bn (+6.84%) · financial institutions 80% · government 15% · community service organisations 5%
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 1.5× owner-occupier pace · Macquarie led at +1.88%
Owner-occupier·Investor· bars = MoM %
system pace: Owner-occupier +0.63% · Investor +0.91% MoM
Lending: household vs business
Household = mortgages + credit cards + personal lending. Mortgages alone appear under Housing lending.
Business grew 2.0× household pace · CBA led at +1.74%
Household·Business· bars = MoM %
system pace: Household +0.75% · Business +1.53% MoM
Deposits: household vs business
Household = deposits held by natural persons; business = non-financial corporations.
Business grew +3.57% vs −0.76% · CBA led at +5.56%
Household·Business· bars = MoM %
system pace: Household −0.76% · Business +3.57% 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 +$1.8bn · Rabobank +$1.7bn · MUFG Bank +$1.3bn
Peer groups · lending month-on-month · 12-mo share shift
share of system lending: Regional Banks 10.4% (−0.54pp yr) · Foreign Banks 8.7% (+0.31pp yr) · Mutuals 3.8% (+0.02pp yr) · Neobanks 0.5% (+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$635.9bn now
Narrowed −$7.7bn in the month - this month alone is around a sixth of the past year's +$56.4bn move
▼ −$7.7bn MoM (−1.20%)prior month +5.17% · past 12 mo +9.73%
typical month+0.80%narrowing
driver: lending +$42.8bn vs deposits +$50.6bn
Big-5 gap month-on-month
gap $635.9bn · past 12 mo +$56.4bn · prior month +$31.6bn
Household funding gap$870.5bn now
Widened +$32.6bn in the month - this month alone is over half of the past year's +$38.9bn move
▲ +$32.6bn MoM (+3.89%)prior month +1.31% · past 12 mo +4.67%
typical month+0.39%widening
driver: household lending +$19.3bn vs deposits −$13.3bn
Big-5 gap month-on-month
gap $870.5bn · past 12 mo +$38.9bn · prior month +$10.8bn
Wholesale funding$1.25tn system
Westpac led at 2.3× system pace · Macquarie moved against system
▲ +$22.3bn MoM (+1.81%)prior month −0.52% · past 12 mo +5.26%
typical month+0.43%above avg
Month-on-month · Big 5 + rest of system
Westpac led on pace this month, taking over from NAB
Big-5 share 73.6% · past 12 mo +$62.4bn (+5.26%) · short-term 39% · long-term 61% · securitised assets on balance sheet $724.7bn
Negotiable certificates of deposit$230.1bn system
ANZ was the largest mover at −$1.6bn
▲ +$0.2bn MoM (+0.07%)prior month +0.29% · past 12 mo +9.00%
typical month+0.79%below avg
Month-on-month · Big 5 + rest of system
Big-5 share 55.3% · past 12 mo +$19.0bn (+9.00%) · NCDs 18% 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 June 2026", from APRA Monthly Authorised Deposit-taking Institution Statistics, June 2026. https://openmarketintel.com/data/apra/2026-06
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Source figures are APRA's, published under Creative Commons Attribution 3.0 Australia at apra.gov.au.