The already robust system growth multiple of AMP Bank may last for an extended period, AMP Group's chief executive Craig Meller told an investor day yesterday.The bank, established around 20 years ago, will be "a high growth retail bank," Dunn said.Over the full year to December 2016 the bank reported growth in operating earnings of 15 per cent, to A$120 million.Sally Bruce, AMP Bank group executive, elaborated that over the bank's March 2017 quarter it realised growth of 4.8 per cent in mortgages. This was 3.7 times system growth and, across the whole AMP Bank, has grown at above system for at least five years.Even so, its market share is a shade less than one per cent. At one point in the early 2000s AMP Bank had a home loan market share of better than one per cent.Bruce also put AMP Bank's growth in deposits at five per cent, though APRA data suggests the growth is much higher; 13 per cent, which is 12 times faster than the growth rate of the wider banking system. The bank maintains "conservative risk settings" Bruce said, with home loan arrears of more than 90 days as "35 per cent lower than the average of the major banks."More than half of all AMP's home loan flows are from brokers.  Only 25 per cent of advisers "originate debt with AMP", Bruce said.