After losing market share in home loans and deposits last year, ING Direct set out to turn things around this year. At the half-way mark the results are mixed.The bank yesterday reported a net profit of A$161.9 million for the six months to June - an increase of 22 per cent over the previous corresponding period. Despite its solid growth in earnings, the bank is still struggling to regain market share.Last year, ING Direct, which is Australia's fifth-largest mortgage lender, grew its home loan book by 2.65 per cent. The overall market grew 8.1 per cent.Early in the year, the bank said it would take a "slightly more aggressive" approach, but things have not changed much. Over the six months to June its mortgage book increased by one per cent, compared with system growth of 3.4 per cent.The bank is claiming 22 per cent annualised growth rate in retail deposits. This is not what the Australian Prudential Regulation Authority's figures show, but ING Direct categorises its business differently.According to APRA, the bank's household deposit book grew by 2.7 per cent over the six months to June - just ahead of system growth of 2.5 per cent.However, ING Direct's measure of retail deposits includes money that APRA classifies as household deposits, as well as non-financial (business) deposits. Its business deposits increased 7.8 per cent over the six months to March - well ahead of system growth of 3.1 per cent.The bank's regulatory capital ratio increased from 14.4 per cent at December 2010 to 15.2 per cent in June.Loan loss provisions increased from $17.9 million at June last year to $19.6 million.