Kiwibank's net profit increased 15 percent - and it says it is fulfilling its role as a disruptor.

The state-owned bank brought in $202 million and grew its lending book by 9.3 percent to $32.4 billion in the 12 months to June 30.

Deposits also increased $2.4 billion, or 9.4 percent, to $28.2 billion.

CEO Steve Jurkovich says the bank has commited to supporting people as best as it can.

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