Data › APRA monthly banking statistics › July 2026
APRA Monthly Briefing · Jul 2026
Australian banks in July 2026: $6.06 trillion of assets, lending up 0.4%, deposits up 0.8%
System Assets $6.06tn +0.41% MoM · +6.92% YoY118 ADIs reportingSource · APRA MADIS
This monthJuly
Funding gap narrows $13.9bn as deposits outpace lending. Lending grew +$14.8bn in July against +$28.7bn of new deposits; the funding gap now sits at $622.0bn - this month alone is about a quarter of the past year's move.
The numbers · tap a row for detail
Total lending$4.12tn+0.36%below avgHousing lending$2.51tn+0.22%below avgOwner-occupier housing$1.69tn+0.27%below avgInvestor housing$821.4bn+0.13%below avgBusiness lending$1.28tn+0.55%below avgCredit cards$27.0bn−2.78%below avgPersonal lending$70.0bn−0.08%below avgTotal deposits$3.50tn+0.83%above avgHousehold deposits$1.77tn+1.90%above avgBusiness deposits$921.0bn−1.76%below avgFI, government and community deposits$815.7bn+1.54%above avgFunding gap$622.0bn−$13.9bnnarrowingWholesale funding$1.24tn−0.73%below avgNCDs$229.8bn−0.12%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$4.12tn system
Macquarie led at 2.5× system pace
▲ +$14.8bn MoM (+0.36%)prior month +1.05% · past 12 mo +8.44%
typical month+0.68%below avg
Month-on-month · Big 5 + rest of system
Macquarie has led on pace for every one of the 6 months measured · NAB up from 5th to 2nd
Big-5 share 76.8% · past 12 mo +$321.1bn (+8.44%) · households 63% · business 31%
Total deposits$3.50tn system
Macquarie led at 4.0× system pace
▲ +$28.7bn MoM (+0.83%)prior month +1.48% · past 12 mo +8.03%
typical month+0.65%above avg
Month-on-month · Big 5 + rest of system
Macquarie led on pace this month, taking over from Westpac · CBA down from 2nd to 5th
Big-5 share 79.7% · past 12 mo +$260.2bn (+8.03%) · households 50% · business 26% · financial institutions, government and community 23%
Household deposits$1.77tn system
Macquarie led at 1.8× system pace
▲ +$32.9bn MoM (+1.90%)prior month −0.76% · past 12 mo +7.57%
typical month+0.61%above avg
Month-on-month · Big 5 + rest of system
Macquarie led on pace this month, taking over from NAB
Big-5 share 78.6% · past 12 mo +$124.2bn (+7.57%)
Housing lending$2.51tn system
Macquarie led at 5.4× system pace · NAB moved against system
▲ +$5.6bn MoM (+0.22%)prior month +0.72% · past 12 mo +6.76%
typical month+0.55%below 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 +$159.0bn (+6.76%) · OO 67% · INV 33%
Owner-occupier housing$1.69tn system
Macquarie led at 5.4× system pace · NAB moved against system
▲ +$4.5bn MoM (+0.27%)prior month +0.63% · past 12 mo +5.85%
typical month+0.47%below 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 78.5% · past 12 mo +$93.4bn (+5.85%)
Investor housing$821.4bn system
Macquarie took 55% of the system's +$1.1bn move
▲ +$1.1bn MoM (+0.13%)prior month +0.91% · past 12 mo +8.68%
typical month+0.70%below 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 5th to 3rd
Big-5 share 85.1% · past 12 mo +$65.6bn (+8.68%)
Credit cards$27.0bn system
▼ −$0.8bn MoM (−2.78%)prior month +1.36% · past 12 mo −1.32%
typical month−0.09%below avg
Month-on-month · Big 5 + rest of system
NAB led on pace this month, taking over from Westpac
Big-5 share 94.6% · past 12 mo −$0.4bn (−1.32%)
Personal lending$70.0bn system
▼ −$53m MoM (−0.08%)prior month +1.45% · past 12 mo +6.15%
typical month+0.50%below avg
Month-on-month · Big 5 + rest of system
NAB led on pace this month, taking over from Westpac · CBA up from 4th to 2nd
Big-5 share 81.5% · past 12 mo +$4.1bn (+6.15%)
Financial institution, government and community deposits$815.7bn system
Westpac took 71% of the system's +$12.4bn move
▲ +$12.4bn MoM (+1.54%)prior month +4.08% · past 12 mo +8.24%
typical month+0.67%above avg
Month-on-month · Big 5 + rest of system
Westpac has led on pace for 2 months running · CBA down from 2nd to 5th
Big-5 share 78.1% · past 12 mo +$62.1bn (+8.24%) · financial institutions 78% · government 16% · 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.
Owner-occupier grew 2.0× investor pace · Macquarie led at +1.44%
Owner-occupier·Investor· bars = MoM %
system pace: Owner-occupier +0.27% · Investor +0.13% MoM
Lending: household vs business
Household = mortgages + credit cards + personal lending. Mortgages alone appear under Housing lending.
Business grew 3.0× household pace · ANZ led at +1.43%
Household·Business· bars = MoM %
system pace: Household +0.18% · Business +0.55% MoM
Deposits: household vs business
Household = deposits held by natural persons; business = non-financial corporations.
Household grew +1.90% vs −1.76% · Macquarie led at +3.33%
Household·Business· bars = MoM %
system pace: Household +1.90% · Business −1.76% MoM
Funding mixdeposits vs wholesale
ANZ leans most on wholesale markets (30.5% of deposits plus wholesale) · CBA is the most deposit-funded (80.1%)
Deposits·Wholesale
system: deposits 73.8% · wholesale 26.2% · 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 523.2% of system lending
Biggest individual movers among lending books over $5.0bn: Bank of America +$1.8bn · Sumitomo Mitsui Banking Corporation −$1.4bn · Rabobank −$1.0bn
Peer groups · lending month-on-month · 12-mo share shift
share of system lending: Regional Banks 10.3% (−0.54pp yr) · Foreign Banks 8.7% (+0.19pp yr) · Mutuals 3.8% (+0.01pp 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$622.0bn now
Narrowed −$13.9bn in the month - this month alone is about a quarter of the past year's +$60.9bn move
▼ −$13.9bn MoM (−2.18%)prior month −1.20% · past 12 mo +10.84%
typical month+0.88%narrowing
driver: lending +$14.8bn vs deposits +$28.7bn
Big-5 gap month-on-month
gap $622.0bn · past 12 mo +$60.9bn · prior month −$7.7bn
Household funding gap$842.4bn now
Narrowed −$28.1bn in the month - this month alone is over half of the past year's +$38.5bn move
▼ −$28.1bn MoM (−3.23%)prior month +3.89% · past 12 mo +4.79%
typical month+0.40%narrowing
driver: household lending +$4.8bn vs deposits +$32.9bn
Big-5 gap month-on-month
gap $842.4bn · past 12 mo +$38.5bn · prior month +$32.6bn
Wholesale funding$1.24tn system
Westpac took 86% of the system's −$9.1bn move
▼ −$9.1bn MoM (−0.73%)prior month +1.81% · past 12 mo +4.26%
typical month+0.35%below avg
Month-on-month · Big 5 + rest of system
Westpac has led on pace for 2 months running · CBA down from 3rd to 5th
Big-5 share 73.7% · past 12 mo +$50.6bn (+4.26%) · short-term 39% · long-term 61% · securitised assets on balance sheet $717.2bn
Negotiable certificates of deposit$229.8bn system
Westpac was the largest mover at −$3.5bn
▼ −$0.3bn MoM (−0.12%)prior month +0.07% · past 12 mo +11.64%
typical month+0.98%below avg
Month-on-month · Big 5 + rest of system
Big-5 share 54.9% · past 12 mo +$24.0bn (+11.64%) · 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 July 2026", from APRA Monthly Authorised Deposit-taking Institution Statistics, July 2026. https://openmarketintel.com/data/apra/2026-07
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Source figures are APRA's, published under Creative Commons Attribution 3.0 Australia at apra.gov.au.