Most of Australia’s top 10 authorised deposit-taking institutions (ADIs) have grown their loan portfolios in the latest Australian Prudential Regulation Authority (APRA) reporting period, June 2025. Agile Market Intelligence has plotted the publicly available APRA data to visualise movements in the leading market.
Key stats you need to know
- Eight of the top 10 ADIs increased their total loan books in the latest APRA reporting period, led by Macquarie Bank at 2.31%.
- Combined loan book growth across the top 10 exceeded $15 billion, with major banks driving most of the expansion.
- Only 2 of the top 10 reported a contraction in lending volumes, both by less than 0.5%.
Major banks drive the bulk of growth
- The four major banks accounted for about 70% of total loan book expansion among the top 10 ADIs.
- Commonwealth Bank (CBA) recorded the largest dollar increase, adding $4.71 billion in loans in the last month.
- Westpac and NAB (National Australia Bank) both grew lending portfolios by more than $2.4 billion each.
- ANZ’s (Australia and New Zealand Banking Group) growth was at $1.55 billion, still contributing substantially to the overall uplift.
Major banks continue to leverage scale, brand strength and diversified portfolios to capture the lion’s share of loan growth. In terms of share, CBA has the largest share of all housing loans at 25%, followed by Westpac at 21%. NAB and ANZ’s loan books capture about 14% of the total loans each.
“The big four are still setting the tone for the market. Their capacity to grow in both housing and business lending, even in a flat economic cycle, reinforces their competitive moat,” said Michael Johnson, Director at Agile Market Intelligence.
Macquarie tops growth in percentage at 2.31%
- Among non-major ADIs in the top 10, Macquarie Bank delivered the strongest growth in percentage terms.
- ING has the second largest loan book growth at 1.57%, adding more than $1 billion.
- Market share gains were modest but consistent, reflecting sustained customer acquisition.
Macquarie Bank recorded the strongest percentage growth among non-majors. Data from Broker Pulse, a monthly survey of brokers conducted by Agile Market Intelligence, on Macquarie shows industry-leading turnaround times and the highest broker satisfaction score. Suncorp, with 2% share of housing loans and HSBC (1%) also showed gains of about 0.65% each, sustaining their growth over the past year.
“Mid-tier lenders are proving that consistent, disciplined growth can steadily chip away at the majors’ dominance. It’s a long game, but the strategies are starting to pay off,” Michael Johnson said.
Owner-occupied lending dominates, but investment share varies by lender
- Across the top 10 ADIs, owner-occupied housing loans account for the majority of balances.
- For the majors, owner-occupied housing loans roughly comprise two-thirds of their loan books.
- Macquarie, HSBC and Bank of Queensland have a similar housing loan portfolio as the majors, while the rest of the top 10 ADIs are owner-occupied loan heavy.
The composition of lending portfolios highlights differences in strategic focus and customer base. While the majors have the scale to compete strongly in both owner-occupied and investment segments, some mid-tier lenders are building share through targeted positioning, often skewed toward the lower-risk owner-occupied market.
“Portfolio composition tells you a lot about a lender’s risk appetite and strategic priorities. The split between owner-occupied and investment lending is as much a competitive lever as pricing or service,” said Michael Johnson.
About the research
Agile Market Intelligence is a full-service market research agency, with direct access to hard-to-reach professionals. We connect institutions, intermediaries and service providers with the voices of their customers, prospects, and partners. For this analysis, Agile plotted publicly available Authorised Deposit-taking Institution (ADI) data from the Australian Prudential Regulation Authority (APRA) to show movements in loan books and market share among the top 10 lenders.
Agile also conducts Broker Pulse, a monthly survey of residential and commercial mortgage brokers. It is a community-driven knowledge base of lender performance. Participating brokers receive access to a bird’s-eye view of the lender benchmarking data each month. To sign up or for more information visit https://www.brokerpulse.com.au/.
