MyState's outlook included "continued above system (loan) book growth," chief executive Melos Sulicich said in a presentation for an emerging companies conference.

He also expected "continued enhancement of marketing, digital capabilities and customer acquisition" and investment in products and systems in MyState's wealth management business.

He said the banking royal commission would be pivotal in ensuring customers' long-term interests were looked after.

He said the lending market remained competitive and that the competitive landscape was still unbalanced, with the "too big to fail" majors having a funding cost advantage.

He also suggested the regulatory burden had a "disproportionate impact" on smaller banks.

He said funding costs remained elevated and margins were still squeezed.