ANZ achieved growth above system in mortgage lending, household deposits and business lending in Australia during the six months to March. Growth in market share in its traditional Australian banking business was one of the highlights of its interim results presentation yesterday, and ANZ chief executive Mike Smith made it clear that this push would continue.Over the 12 months to March 2013, ANZ increased the size of its home loan portfolio by six per cent, compared with system growth of 3.9 per cent.Corporate and commercial lending grew by eight per cent over the same period, compared with system growth of around two per cent.Smith said he was particularly keen to see the bank continue to pick up share in the commercial lending market.The bank made its intentions in the SME market clear earlier this month when it announced that it had allocated A$1 billion to funding small business start-ups.The Australian banking division's cash profit of $1.4 billion was up 11 per cent on the previous corresponding period and up seven per cent on the previous half. Net interest income was up 10 per cent on the previous corresponding period, and the net interest margin of 2.53 per cent was up by eight basis points.The Australian operation's cost-to-income ratio was 37.9 per cent, compared with 41.8 per cent in the previous corresponding period and 37.9 per cent in the previous half.Smith said: "Our super-regional strategy can only be successful if we have strong, growing franchises in Australia and New Zealand."ANZ has the smallest mortgage book of the Big Four banks (its mortgage market share grew from 14.5 per cent to 14.7 per cent over the past year). Smith said this gave the bank an "upside" that the other banks did not have.The bank said it was achieving growth in mortgage and business lending while maintaining credit quality. Net impaired assets as a percentage of net advances in the Australian business fell from 43 basis points in March last year to 42 bps in September, and then to 39 bps in the latest half-year.