Today APRA released their Monthly Banking Statistics for February 2015. Overall housing lending by the banks rose by 0.53% in the month to $1.329 trillion. Investment lending rose by 0.68% and owner occupation loans by 0.45%. The lending records continue to be broken. Looking at bank by bank performance, CBA has the largest share of owner occupied loans (26.9%) whilst Westpac has 31.7% of investment home loans.
Tracking portfolio movements, we see that in the month Macquarie grew its total portfolio by 3% (compared with the market average of 0.5%), Suncorp and Members Equity Bank both grew by 1.9%, whilst AMP Bank rose by 1.2%
Looking at the YOY movements in the Investment portfolio, the market grew at 12% (above the APRA 10% monitor rate). A number of banks exceeded this growth level, with Macquarie, CBA and Suncorp at the top of the range.
Turning to deposits, balances rose by 0.53% in the month, to $1,82 trillion. The portfolio mix changed a little in the month, though CBA still has the largest share at 24.8%.
Here are the monthly portfolio movements. ANZ, Bendigo and Rabbobank lost relative share, reflecting further deposit repricing strategies.
Finally, the card portfolio rose to $41.5 billion. Little change in the market shares,with CBA at 27.8%, WBC at 22.7% and ANZ at 20.2%.
