What's the denominator. Each bank's share is its dollars divided by the sum across the 7 ASX-listed banks at that month-end. So the seven shares always add up to 100%. They over-state true national share, because banks like Macquarie, ING and HSBC sit outside our universe — but they're the right lens for "who's winning among the listed names".
What "mortgages" means. Owner-occupier housing loans plus investor housing loans. Source: APRA Monthly ADI Statistics, line "Loans and finance leases — Households — Housing".
What "household deposits" means. Deposits where the depositor is a household (not a business or government). Source: APRA Monthly ADI Statistics, line "Deposits — Households".
What "business loans" means. Loans to non-financial businesses — i.e. corporate and SME lending, excluding loans to other banks or insurers. Source: APRA Monthly ADI Statistics.
How months are picked. A reporting month only appears if all 7 banks reported for that month; otherwise the 7-bank total would shift mid-series and the share figures wouldn't be comparable. That's why the trend line has a few visible gaps — those are months where at least one bank's data wasn't yet published.
Actual vs Indexed. "Actual %" plots the share figure exactly as APRA reports it. "Indexed (=100)" rebases each bank's first reading inside the chosen period to 100, so the chart shows relative momentum instead of size. A small bank gaining 20% of its own book and CBA gaining 1% can both be visible on the same axis. Hover any point to see the underlying share % and dollar balance.