One of the highlights of ANZ's 2014/15 financial year for chief executive Mike Smith was the addition of 150,000 new retail customers.Smith said the strong growth in retail customer numbers was the result of an investment program designed to increase sales capacity and distribution.Since 2012 ANZ's Australia retail customer numbers have grown from under five million to around 5.3 million. The proportion of retail customers with multiple products has increased from 56.1 per cent to 59 per cent over the same period.Much of the growth in customer numbers was in the New South market, where the bank has been underweight traditionally and where it focused much of its investment activity.Investment also focused on digital banking services. Smith said 62 per cent of Australia retail customers now logged in for banking sessions via their mobiles. The proportion of "digitally active" customers grew by nine per cent over the year to September.Fifteen per cent of all retail sales were via digital channels - an increase from eight per cent in 2012.Investment in the bank's digital capability means that customers can use straight-through processing technology to apply for a credit limit increase and they can roll over their fixed rate home loans online.The Australian division (retail and business banking) increased its cash profit by seven per cent to A$3.3 billion in the year to September. Another highlight for Smith was that the bank has increased its home loan market share for six straight years. The Australian division's home loan book grew by ten per cent and its small business lending book grew by 12 per cent. Retail deposits grew by six per cent. In New South Wales the home loan book grew 20 per cent.ANZ chief financial officer Shayne Elliott said the strong growth in NSW had not changed the bank's mortgage risk profile: most of the growth came from owner occupiers and not investors; the average loan to valuation ratio in NSW was no different to other states; and the proportion of interest-only loans was also no different.Home loan arrears picked up from the December quarter to the June quarter but eased in the September quarter to 0.63 per cent of the book.