{"reporting_month":"2026-09-01","page":"https://openmarketintel.com/data/apra/2026-09","generated_at":"2026-10-31T13:00:27.904584","source":{"name":"APRA Monthly Authorised Deposit-taking Institution Statistics","url":"https://www.apra.gov.au/monthly-authorised-deposit-taking-institution-statistics","licence":"https://creativecommons.org/licenses/by/3.0/au/"},"citation":"Open Market Intel, \"Australian banks in September 2026\", from APRA Monthly Authorised Deposit-taking Institution Statistics, September 2026. https://openmarketintel.com/data/apra/2026-09","units":"Levels are Australian dollars in millions (fields ending _m). Growth is percent (pct) and dollars in millions (abs_m).","hero_stat":{"mom":{"pct":0.7135,"abs_m":43218.0},"pcp":{"pct":6.7266,"abs_m":384472.4},"as_of":"2026-09-01","label":"System Assets","metric":"total_assets","value_m":6100205.5,"adi_count":118},"sections":{"ncds":{"big5":[{"abn":"48123123124","mom":{"pct":-14.7834,"abs_m":-3898.6},"pcp":{"pct":-6.386,"abs_m":-1533.0},"bank":"CBA","x_system":null,"current_m":22472.8},{"abn":"33007457141","mom":{"pct":-19.9863,"abs_m":-7275.6},"pcp":{"pct":-14.1906,"abs_m":-4816.9},"bank":"Westpac","x_system":null,"current_m":29127.3},{"abn":"12004044937","mom":{"pct":-3.8594,"abs_m":-1078.6},"pcp":{"pct":5.7294,"abs_m":1456.0},"bank":"NAB","x_system":null,"current_m":26868.8},{"abn":"11005357522","mom":{"pct":-10.4774,"abs_m":-3059.0},"pcp":{"pct":-22.206,"abs_m":-7460.8},"bank":"ANZ","x_system":null,"current_m":26137.3},{"abn":"46008583542","mom":{"pct":54.6948,"abs_m":1215.1},"pcp":{"pct":1046.3309,"abs_m":3136.9},"bank":"Macquarie","x_system":null,"current_m":3436.7}],"title":"Negotiable Certificates of Deposit (NCDs)","system":{"pace":{"ranks":[{"now":1,"bank":"Westpac","prior":4},{"now":2,"bank":"CBA","prior":1},{"now":3,"bank":"ANZ","prior":2},{"now":4,"bank":"NAB","prior":3}],"leader":"Westpac","prior_leader":"CBA","streak_months":1,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":-7.6245,"abs_m":-17258.9},"pcp":{"pct":-3.5903,"abs_m":-7786.9},"current_m":209102.7,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.5063,"abs_m":-3461.8},"series_13m":[{"month":"2025-09-01","value_m":216889.6},{"month":"2025-10-01","value_m":215051.4},{"month":"2025-11-01","value_m":206363.2},{"month":"2025-12-01","value_m":199360.0},{"month":"2026-01-01","value_m":208667.4},{"month":"2026-02-01","value_m":207245.8},{"month":"2026-03-01","value_m":208924.7},{"month":"2026-04-01","value_m":229269.8},{"month":"2026-05-01","value_m":229927.4},{"month":"2026-06-01","value_m":230097.0},{"month":"2026-07-01","value_m":229823.4},{"month":"2026-08-01","value_m":226361.6},{"month":"2026-09-01","value_m":209102.7}],"prior_month":"2026-08-01"},"lt_borrowings":{"mom":{"pct":-0.5338,"abs_m":-4051.3},"pcp":{"pct":1.2892,"abs_m":9608.9},"current_m":754933.5,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3068,"abs_m":2321.6},"prior_month":"2026-08-01"},"st_borrowings":{"mom":{"pct":-0.5086,"abs_m":-2403.9},"pcp":{"pct":3.1213,"abs_m":14233.6},"current_m":470245.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-2.3956,"abs_m":-11600.9},"prior_month":"2026-08-01"},"big5_share_pct":51.7},"metric_key":"ncds","narrative_id":"ncds"},"transfers":[{"label":"Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026","month":"2026-08-01","amount_bn":15.4,"apra_name":"Westpac Banking Corporation","peer_group":"Westpac","metric_keys":["housing_lending","total_lending","household_lending"],"short_label":"Westpac's $15.4bn RAMS portfolio sale (1 August 2026)","unsplit_keys":["housing_oo","housing_inv"],"leaves_system":true}],"housing_oo":{"big5":[{"abn":"48123123124","mom":{"pct":0.5828,"abs_m":2431.0},"pcp":{"pct":5.9953,"abs_m":23729.8},"bank":"CBA","x_system":1.55,"current_m":419539.4},{"abn":"33007457141","mom":{"pct":0.5156,"abs_m":1716.1},"pcp":{"pct":2.6599,"abs_m":8668.7},"bank":"Westpac","x_system":1.37,"current_m":334577.7,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},{"abn":"12004044937","mom":{"pct":-0.1611,"abs_m":-380.7},"pcp":{"pct":4.8957,"abs_m":11011.9},"bank":"NAB","x_system":-0.43,"current_m":235940.3},{"abn":"11005357522","mom":{"pct":0.3522,"abs_m":772.2},"pcp":{"pct":2.7277,"abs_m":5841.9},"bank":"ANZ","x_system":0.94,"current_m":220012.1},{"abn":"46008583542","mom":{"pct":1.5292,"abs_m":1763.3},"pcp":{"pct":23.1939,"abs_m":22040.9},"bank":"Macquarie","x_system":4.07,"current_m":117069.7}],"title":"Owner-occupier housing - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Macquarie","prior":null},{"now":2,"bank":"CBA","prior":null},{"now":3,"bank":"Westpac","prior":null},{"now":4,"bank":"ANZ","prior":null},{"now":5,"bank":"NAB","prior":null}],"leader":"Macquarie","prior_leader":null,"streak_months":1,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":0.3758,"abs_m":6334.0},"pcp":{"pct":5.0255,"abs_m":80953.7},"current_m":1691812.8,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.2704,"abs_m":-4569.4},"series_13m":[{"month":"2025-09-01","value_m":1610859.1},{"month":"2025-10-01","value_m":1619392.6},{"month":"2025-11-01","value_m":1630126.6},{"month":"2025-12-01","value_m":1642850.1},{"month":"2026-01-01","value_m":1648691.7},{"month":"2026-02-01","value_m":1654277.2},{"month":"2026-03-01","value_m":1660386.9},{"month":"2026-04-01","value_m":1667754.8},{"month":"2026-05-01","value_m":1675002.6},{"month":"2026-06-01","value_m":1685533.6},{"month":"2026-07-01","value_m":1690048.2},{"month":"2026-08-01","value_m":1685478.8},{"month":"2026-09-01","value_m":1691812.8}],"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"big5_share_pct":78.4},"metric_key":"housing_oo","narrative_id":"housing_oo"},"beyond_big5":{"title":"Beyond the Big 5","groups":[{"group":"Regional Banks","adi_count":10,"lending_m":422242.6,"share_pct":10.16,"deposits_m":345933.0,"lending_mom":{"pct":-0.4064,"abs_m":-1723.0},"deposits_mom":{"pct":0.0737,"abs_m":254.7},"share_shift_12m_pp":-0.6},{"group":"Foreign Banks","adi_count":52,"lending_m":368178.9,"share_pct":8.86,"deposits_m":179427.6,"lending_mom":{"pct":1.8894,"abs_m":6827.4},"deposits_mom":{"pct":-0.6508,"abs_m":-1175.3},"share_shift_12m_pp":0.41},{"group":"Credit Unions & Building Societies","adi_count":39,"lending_m":158910.6,"share_pct":3.82,"deposits_m":155010.1,"lending_mom":{"pct":0.6617,"abs_m":1044.6},"deposits_mom":{"pct":0.8126,"abs_m":1249.4},"share_shift_12m_pp":0.02},{"group":"Neobanks","adi_count":6,"lending_m":18954.5,"share_pct":0.46,"deposits_m":16701.1,"lending_mom":{"pct":0.7147,"abs_m":134.5},"deposits_mom":{"pct":-0.0269,"abs_m":-4.5},"share_shift_12m_pp":0.04},{"group":"Payment Entities","adi_count":6,"lending_m":76.9,"share_pct":0.0,"deposits_m":8620.6,"lending_mom":{"pct":-4.1147,"abs_m":-3.3},"deposits_mom":{"pct":6.6919,"abs_m":540.7},"share_shift_12m_pp":0.0}],"top_movers":[{"name":"HSBC Bank","lending_m":37390.4,"lending_mom":{"pct":-3.0546,"abs_m":-1178.1}},{"name":"JPMorgan Chase Bank","lending_m":8135.1,"lending_mom":{"pct":12.1588,"abs_m":881.9}},{"name":"Bank of China","lending_m":26353.1,"lending_mom":{"pct":2.9583,"abs_m":757.2}}],"narrative_id":"beyond_big5","mover_floor_m":5000.0,"non_big5_lending_share_pct":23.3},"housing_inv":{"big5":[{"abn":"48123123124","mom":{"pct":0.1651,"abs_m":368.0},"pcp":{"pct":7.7456,"abs_m":16053.7},"bank":"CBA","x_system":null,"current_m":223317.2},{"abn":"33007457141","mom":{"pct":-0.1716,"abs_m":-293.4},"pcp":{"pct":2.8671,"abs_m":4757.3},"bank":"Westpac","x_system":null,"current_m":170685.9,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},{"abn":"12004044937","mom":{"pct":-0.2441,"abs_m":-281.5},"pcp":{"pct":1.3798,"abs_m":1566.0},"bank":"NAB","x_system":null,"current_m":115058.5},{"abn":"11005357522","mom":{"pct":0.1851,"abs_m":211.0},"pcp":{"pct":7.689,"abs_m":8152.6},"bank":"ANZ","x_system":null,"current_m":114181.5},{"abn":"46008583542","mom":{"pct":0.8855,"abs_m":642.9},"pcp":{"pct":24.7689,"abs_m":14540.6},"bank":"Macquarie","x_system":null,"current_m":73245.7}],"title":"Investor housing - System + Big 5","system":{"pace":null,"primary":{"mom":{"pct":0.004,"abs_m":32.6},"pcp":{"pct":6.7124,"abs_m":51468.2},"current_m":818232.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3896,"abs_m":-3200.5},"series_13m":[{"month":"2025-09-01","value_m":766764.3},{"month":"2025-10-01","value_m":772840.4},{"month":"2025-11-01","value_m":778145.7},{"month":"2025-12-01","value_m":783194.4},{"month":"2026-01-01","value_m":788711.6},{"month":"2026-02-01","value_m":792716.4},{"month":"2026-03-01","value_m":800497.9},{"month":"2026-04-01","value_m":807002.7},{"month":"2026-05-01","value_m":812881.3},{"month":"2026-06-01","value_m":820303.6},{"month":"2026-07-01","value_m":821400.4},{"month":"2026-08-01","value_m":818199.9},{"month":"2026-09-01","value_m":818232.5}],"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"big5_share_pct":85.1},"metric_key":"housing_inv","narrative_id":"housing_inv"},"credit_cards":{"big5":[{"abn":"48123123124","mom":{"pct":-0.6856,"abs_m":-55.1},"pcp":{"pct":1.0482,"abs_m":82.8},"bank":"CBA","x_system":null,"current_m":7981.7},{"abn":"33007457141","mom":{"pct":0.5498,"abs_m":32.1},"pcp":{"pct":-1.4836,"abs_m":-88.4},"bank":"Westpac","x_system":null,"current_m":5870.1},{"abn":"12004044937","mom":{"pct":-0.0728,"abs_m":-5.4},"pcp":{"pct":-9.4491,"abs_m":-773.5},"bank":"NAB","x_system":null,"current_m":7412.5},{"abn":"11005357522","mom":{"pct":-0.6713,"abs_m":-28.6},"pcp":{"pct":-1.4646,"abs_m":-62.9},"bank":"ANZ","x_system":null,"current_m":4231.7},{"abn":"46008583542","mom":{"pct":0.1298,"abs_m":0.4},"pcp":{"pct":-2.7112,"abs_m":-8.6},"bank":"Macquarie","x_system":null,"current_m":308.6}],"title":"Credit cards - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"CBA","prior":1},{"now":2,"bank":"NAB","prior":3},{"now":3,"bank":"Westpac","prior":2}],"leader":"CBA","prior_leader":"NAB","streak_months":2,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":-0.2654,"abs_m":-72.5},"pcp":{"pct":-3.3352,"abs_m":-940.0},"current_m":27244.2,"pcp_month":"2025-09-01","prior_mom":{"pct":1.1636,"abs_m":314.2},"series_13m":[{"month":"2025-09-01","value_m":28184.2},{"month":"2025-10-01","value_m":27848.0},{"month":"2025-11-01","value_m":28602.0},{"month":"2025-12-01","value_m":28551.5},{"month":"2026-01-01","value_m":27767.4},{"month":"2026-02-01","value_m":28114.7},{"month":"2026-03-01","value_m":28187.8},{"month":"2026-04-01","value_m":27462.6},{"month":"2026-05-01","value_m":27399.5},{"month":"2026-06-01","value_m":27773.4},{"month":"2026-07-01","value_m":27002.5},{"month":"2026-08-01","value_m":27316.7},{"month":"2026-09-01","value_m":27244.2}],"prior_month":"2026-08-01"},"big5_share_pct":94.7},"metric_key":"credit_cards","narrative_id":"credit_cards"},"segment_races":{"races":[{"id":"housing_oo_inv","title":"Housing: owner-occupier vs investor","segments":[{"key":"housing_oo","rest":{"mom":{"pct":0.0088,"abs_m":32.1},"current_m":364673.6},"banks":[{"abn":"48123123124","mom":{"pct":0.5828,"abs_m":2431.0},"pcp":{"pct":5.9953,"abs_m":23729.8},"bank":"CBA","current_m":419539.4},{"abn":"33007457141","mom":{"pct":0.5156,"abs_m":1716.1},"pcp":{"pct":2.6599,"abs_m":8668.7},"bank":"Westpac","current_m":334577.7,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},{"abn":"12004044937","mom":{"pct":-0.1611,"abs_m":-380.7},"pcp":{"pct":4.8957,"abs_m":11011.9},"bank":"NAB","current_m":235940.3},{"abn":"11005357522","mom":{"pct":0.3522,"abs_m":772.2},"pcp":{"pct":2.7277,"abs_m":5841.9},"bank":"ANZ","current_m":220012.1},{"abn":"46008583542","mom":{"pct":1.5292,"abs_m":1763.3},"pcp":{"pct":23.1939,"abs_m":22040.9},"bank":"Macquarie","current_m":117069.7}],"label":"Owner-occupier","system":{"mom":{"pct":0.3758,"abs_m":6334.0},"pcp":{"pct":5.0255,"abs_m":80953.7},"current_m":1691812.8,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]}},{"key":"housing_inv","rest":{"mom":{"pct":-0.5021,"abs_m":-614.4},"current_m":121743.7},"banks":[{"abn":"48123123124","mom":{"pct":0.1651,"abs_m":368.0},"pcp":{"pct":7.7456,"abs_m":16053.7},"bank":"CBA","current_m":223317.2},{"abn":"33007457141","mom":{"pct":-0.1716,"abs_m":-293.4},"pcp":{"pct":2.8671,"abs_m":4757.3},"bank":"Westpac","current_m":170685.9,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},{"abn":"12004044937","mom":{"pct":-0.2441,"abs_m":-281.5},"pcp":{"pct":1.3798,"abs_m":1566.0},"bank":"NAB","current_m":115058.5},{"abn":"11005357522","mom":{"pct":0.1851,"abs_m":211.0},"pcp":{"pct":7.689,"abs_m":8152.6},"bank":"ANZ","current_m":114181.5},{"abn":"46008583542","mom":{"pct":0.8855,"abs_m":642.9},"pcp":{"pct":24.7689,"abs_m":14540.6},"bank":"Macquarie","current_m":73245.7}],"label":"Investor","system":{"mom":{"pct":0.004,"abs_m":32.6},"pcp":{"pct":6.7124,"abs_m":51468.2},"current_m":818232.5,"adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]}}]},{"id":"lending_hh_biz","title":"Lending: household vs business","segments":[{"key":"household_lending","rest":{"mom":{"pct":-0.1228,"abs_m":-615.6},"current_m":500800.8},"banks":[{"abn":"48123123124","mom":{"pct":0.4175,"abs_m":2774.3},"pcp":{"pct":6.4548,"abs_m":40456.2},"bank":"CBA","current_m":667221.6},{"abn":"33007457141","mom":{"pct":0.2855,"abs_m":1488.4},"pcp":{"pct":6.0508,"abs_m":29826.3},"bank":"Westpac","current_m":522755.1,"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"pcp_reported":{"pct":2.838,"abs_m":14426.3}},{"abn":"12004044937","mom":{"pct":-0.1925,"abs_m":-714.9},"pcp":{"pct":3.2009,"abs_m":11497.6},"bank":"NAB","current_m":370691.2},{"abn":"11005357522","mom":{"pct":0.2777,"abs_m":972.9},"pcp":{"pct":4.5307,"abs_m":15229.5},"bank":"ANZ","current_m":351369.3},{"abn":"46008583542","mom":{"pct":1.2942,"abs_m":2488.5},"pcp":{"pct":23.7781,"abs_m":37416.5},"bank":"Macquarie","current_m":194773.8}],"label":"Household","system":{"mom":{"pct":0.2458,"abs_m":6393.6},"pcp":{"pct":6.1548,"abs_m":151187.3},"current_m":2607611.8,"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"pcp_reported":{"pct":5.4934,"abs_m":135787.3},"prior_mom_reported":{"pct":-0.2755,"abs_m":-7186.4}}},{"key":"business_lending","rest":{"mom":{"pct":1.3665,"abs_m":4874.7},"current_m":361595.7},"banks":[{"abn":"48123123124","mom":{"pct":1.1214,"abs_m":2809.7},"pcp":{"pct":15.6494,"abs_m":34285.9},"bank":"CBA","current_m":253373.1},{"abn":"33007457141","mom":{"pct":1.1037,"abs_m":2412.1},"pcp":{"pct":11.8173,"abs_m":23351.5},"bank":"Westpac","current_m":220956.6},{"abn":"12004044937","mom":{"pct":0.9378,"abs_m":2609.1},"pcp":{"pct":11.1386,"abs_m":28146.2},"bank":"NAB","current_m":280836.9},{"abn":"11005357522","mom":{"pct":1.3966,"abs_m":2224.4},"pcp":{"pct":7.9355,"abs_m":11873.7},"bank":"ANZ","current_m":161500.6},{"abn":"46008583542","mom":{"pct":1.7996,"abs_m":406.4},"pcp":{"pct":9.6684,"abs_m":2026.7},"bank":"Macquarie","current_m":22988.7}],"label":"Business","system":{"mom":{"pct":1.1926,"abs_m":15336.4},"pcp":{"pct":10.6623,"abs_m":125375.3},"current_m":1301251.6}}]},{"id":"deposits_hh_biz","title":"Deposits: household vs business","segments":[{"key":"household_deposits","rest":{"mom":{"pct":0.5067,"abs_m":1908.8},"current_m":378600.1},"banks":[{"abn":"48123123124","mom":{"pct":1.406,"abs_m":6601.6},"pcp":{"pct":7.6806,"abs_m":33961.3},"bank":"CBA","current_m":476130.7},{"abn":"33007457141","mom":{"pct":1.5163,"abs_m":5523.1},"pcp":{"pct":7.5369,"abs_m":25915.4},"bank":"Westpac","current_m":369762.9},{"abn":"12004044937","mom":{"pct":1.1599,"abs_m":2831.1},"pcp":{"pct":7.464,"abs_m":17148.7},"bank":"NAB","current_m":246902.3},{"abn":"11005357522","mom":{"pct":1.2914,"abs_m":2569.4},"pcp":{"pct":5.6914,"abs_m":10852.0},"bank":"ANZ","current_m":201525.8},{"abn":"46008583542","mom":{"pct":2.6348,"abs_m":3115.2},"pcp":{"pct":32.325,"abs_m":29643.8},"bank":"Macquarie","current_m":121349.4}],"label":"Household","system":{"mom":{"pct":1.2727,"abs_m":22549.2},"pcp":{"pct":7.8092,"abs_m":129968.2},"current_m":1794271.2}},{"key":"business_deposits","rest":{"mom":{"pct":-1.2601,"abs_m":-1919.9},"current_m":150444.3},"banks":[{"abn":"48123123124","mom":{"pct":0.4694,"abs_m":927.6},"pcp":{"pct":7.0877,"abs_m":13139.8},"bank":"CBA","current_m":198529.2},{"abn":"33007457141","mom":{"pct":-1.3897,"abs_m":-2412.4},"pcp":{"pct":2.3663,"abs_m":3957.0},"bank":"Westpac","current_m":171181.3},{"abn":"12004044937","mom":{"pct":-0.0789,"abs_m":-145.7},"pcp":{"pct":6.4973,"abs_m":11260.0},"bank":"NAB","current_m":184563.6},{"abn":"11005357522","mom":{"pct":2.2285,"abs_m":3160.6},"pcp":{"pct":8.9691,"abs_m":11933.9},"bank":"ANZ","current_m":144989.0},{"abn":"46008583542","mom":{"pct":2.3004,"abs_m":1446.0},"pcp":{"pct":14.5331,"abs_m":8159.7},"bank":"Macquarie","current_m":64305.4}],"label":"Business","system":{"mom":{"pct":0.1157,"abs_m":1056.2},"pcp":{"pct":4.95,"abs_m":43110.0},"current_m":914012.8}}]}],"title":"Who's growing where","funding_mix":{"banks":[{"bank":"CBA","deposits_m":851322.9,"wholesale_m":202711.4,"deposits_share_pct":80.8,"market_reliance_pct":19.2,"wholesale_share_pct":19.2,"securitised_assets_m":114632.4,"market_reliance_mom_pp":-0.55},{"bank":"Westpac","deposits_m":671634.4,"wholesale_m":212699.7,"deposits_share_pct":75.9,"market_reliance_pct":24.1,"wholesale_share_pct":24.1,"securitised_assets_m":157893.5,"market_reliance_mom_pp":-0.54},{"bank":"NAB","deposits_m":598747.3,"wholesale_m":201184.2,"deposits_share_pct":74.8,"market_reliance_pct":25.2,"wholesale_share_pct":25.2,"securitised_assets_m":142627.5,"market_reliance_mom_pp":-0.14},{"bank":"ANZ","deposits_m":445281.7,"wholesale_m":183632.0,"deposits_share_pct":70.8,"market_reliance_pct":29.2,"wholesale_share_pct":29.2,"securitised_assets_m":90924.5,"market_reliance_mom_pp":-0.65},{"bank":"Macquarie","deposits_m":242435.0,"wholesale_m":90578.7,"deposits_share_pct":72.8,"market_reliance_pct":27.2,"wholesale_share_pct":27.2,"securitised_assets_m":91719.2,"market_reliance_mom_pp":0.59}],"basis":"deposits_vs_wholesale","system":{"deposits_share_pct":74.2,"market_reliance_pct":25.8,"wholesale_share_pct":25.8,"securitised_assets_m":727910.1}},"narrative_id":"segment_races","consumer_credit":{"hot":false,"mom":{"pct":0.0277,"abs_m":27.0},"current_m":97566.5,"trailing_avg_pct":0.295}},"other_deposits":{"big5":[{"abn":"48123123124","mom":{"pct":0.9511,"abs_m":1664.4},"pcp":{"pct":7.1437,"abs_m":11778.9},"bank":"CBA","x_system":null,"current_m":176663.0},{"abn":"33007457141","mom":{"pct":-1.9511,"abs_m":-2600.6},"pcp":{"pct":12.6148,"abs_m":14639.6},"bank":"Westpac","x_system":null,"current_m":130690.2},{"abn":"12004044937","mom":{"pct":0.0375,"abs_m":62.7},"pcp":{"pct":6.0578,"abs_m":9554.8},"bank":"NAB","x_system":null,"current_m":167281.4},{"abn":"11005357522","mom":{"pct":0.1623,"abs_m":160.0},"pcp":{"pct":12.9191,"abs_m":11299.9},"bank":"ANZ","x_system":null,"current_m":98766.8},{"abn":"46008583542","mom":{"pct":-1.0426,"abs_m":-598.2},"pcp":{"pct":9.3243,"abs_m":4842.8},"bank":"Macquarie","x_system":null,"current_m":56780.2}],"title":"Financial institution, government and community deposits - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Westpac","prior":2},{"now":2,"bank":"Macquarie","prior":1},{"now":3,"bank":"NAB","prior":3},{"now":4,"bank":"ANZ","prior":4},{"now":5,"bank":"CBA","prior":5}],"leader":"Westpac","prior_leader":"Macquarie","streak_months":1,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":-0.0541,"abs_m":-436.4},"pcp":{"pct":7.5753,"abs_m":56815.9},"current_m":806829.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.0375,"abs_m":-8462.9},"series_13m":[{"month":"2025-09-01","value_m":750013.6},{"month":"2025-10-01","value_m":749172.0},{"month":"2025-11-01","value_m":752282.8},{"month":"2025-12-01","value_m":743537.5},{"month":"2026-01-01","value_m":760051.9},{"month":"2026-02-01","value_m":764621.3},{"month":"2026-03-01","value_m":773096.9},{"month":"2026-04-01","value_m":777942.1},{"month":"2026-05-01","value_m":771865.6},{"month":"2026-06-01","value_m":803362.3},{"month":"2026-07-01","value_m":815728.8},{"month":"2026-08-01","value_m":807265.9},{"month":"2026-09-01","value_m":806829.5}],"prior_month":"2026-08-01"},"fi_deposits":{"mom":{"pct":-0.6576,"abs_m":-4165.0},"pcp":{"pct":6.4566,"abs_m":38158.8},"current_m":629167.9,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.0927,"abs_m":-6997.0},"prior_month":"2026-08-01"},"big5_share_pct":78.1,"community_deposits":{"mom":{"pct":-4.1303,"abs_m":-1907.6},"pcp":{"pct":6.0266,"abs_m":2516.8},"current_m":44278.0,"pcp_month":"2025-09-01","prior_mom":{"pct":-3.6797,"abs_m":-1764.4},"prior_month":"2026-08-01"},"government_deposits":{"mom":{"pct":4.412,"abs_m":5636.2},"pcp":{"pct":13.7665,"abs_m":16140.3},"current_m":133383.6,"pcp_month":"2025-09-01","prior_mom":{"pct":0.2342,"abs_m":298.5},"prior_month":"2026-08-01"}},"metric_key":"fi_gov_deposits","narrative_id":"other_deposits"},"housing_lending":{"big5":[{"abn":"48123123124","mom":{"pct":0.4373,"abs_m":2799.0},"pcp":{"pct":6.5968,"abs_m":39783.5},"bank":"CBA","x_system":1.72,"current_m":642856.6},{"abn":"33007457141","mom":{"pct":0.2824,"abs_m":1422.7},"pcp":{"pct":6.0503,"abs_m":28826.0},"bank":"Westpac","x_system":1.11,"current_m":505263.6,"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"pcp_reported":{"pct":2.7298,"abs_m":13426.0}},{"abn":"12004044937","mom":{"pct":-0.1883,"abs_m":-662.2},"pcp":{"pct":3.7166,"abs_m":12577.9},"bank":"NAB","x_system":-0.74,"current_m":350998.8},{"abn":"11005357522","mom":{"pct":0.2951,"abs_m":983.2},"pcp":{"pct":4.3706,"abs_m":13994.5},"bank":"ANZ","x_system":1.16,"current_m":334193.6},{"abn":"46008583542","mom":{"pct":1.2805,"abs_m":2406.2},"pcp":{"pct":23.7953,"abs_m":36581.5},"bank":"Macquarie","x_system":5.04,"current_m":190315.4}],"title":"Housing Lending - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Macquarie","prior":1},{"now":2,"bank":"CBA","prior":2},{"now":3,"bank":"ANZ","prior":3},{"now":4,"bank":"Westpac","prior":4},{"now":5,"bank":"NAB","prior":5}],"leader":"Macquarie","prior_leader":null,"streak_months":6,"months_measured":6,"streak_is_whole_window":true},"primary":{"mom":{"pct":0.2543,"abs_m":6366.6},"pcp":{"pct":6.2577,"abs_m":147821.9},"current_m":2510045.3,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3057,"abs_m":7630.1},"series_13m":[{"month":"2025-09-01","value_m":2377623.4},{"month":"2025-10-01","value_m":2392233.0},{"month":"2025-11-01","value_m":2408272.3},{"month":"2025-12-01","value_m":2426044.5},{"month":"2026-01-01","value_m":2437403.3},{"month":"2026-02-01","value_m":2446993.6},{"month":"2026-03-01","value_m":2460884.8},{"month":"2026-04-01","value_m":2474757.5},{"month":"2026-05-01","value_m":2487883.9},{"month":"2026-06-01","value_m":2505837.2},{"month":"2026-07-01","value_m":2511448.6},{"month":"2026-08-01","sold_m":15400.0,"value_m":2503678.7},{"month":"2026-09-01","value_m":2510045.3}],"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":5.5695,"abs_m":132421.9},"prior_mom_reported":{"pct":-0.3094,"abs_m":-7769.9}},"housing_oo":{"mom":{"pct":0.3758,"abs_m":6334.0},"pcp":{"pct":5.0255,"abs_m":80953.7},"current_m":1691812.8,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.2704,"abs_m":-4569.4},"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"housing_inv":{"mom":{"pct":0.004,"abs_m":32.6},"pcp":{"pct":6.7124,"abs_m":51468.2},"current_m":818232.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3896,"abs_m":-3200.5},"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"big5_share_pct":80.6},"metric_key":"housing_lending","narrative_id":"housing_lending"},"system_overview":{"title":"System Overview","derived":{"ldr_pct":118.2,"housing_share_of_lending_pct":60.4},"metrics":{"housing_oo":{"mom":{"pct":0.3758,"abs_m":6334.0},"pcp":{"pct":5.0255,"abs_m":80953.7},"current_m":1691812.8,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.2704,"abs_m":-4569.4},"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"housing_inv":{"mom":{"pct":0.004,"abs_m":32.6},"pcp":{"pct":6.7124,"abs_m":51468.2},"current_m":818232.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3896,"abs_m":-3200.5},"prior_month":"2026-08-01","adjustments_unsplit":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"]},"credit_cards":{"mom":{"pct":-0.2654,"abs_m":-72.5},"pcp":{"pct":-3.3352,"abs_m":-940.0},"current_m":27244.2,"pcp_month":"2025-09-01","prior_mom":{"pct":1.1636,"abs_m":314.2},"prior_month":"2026-08-01"},"total_assets":{"mom":{"pct":0.7135,"abs_m":43218.0},"pcp":{"pct":6.7266,"abs_m":384472.4},"current_m":6100205.5,"pcp_month":"2025-09-01","prior_mom":{"pct":0.0216,"abs_m":1309.0},"prior_month":"2026-08-01"},"total_lending":{"mom":{"pct":0.5513,"abs_m":22790.4},"pcp":{"pct":8.3094,"abs_m":318892.7},"current_m":4156607.1,"pcp_month":"2025-09-01","prior_mom":{"pct":0.5941,"abs_m":24412.0},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":7.8766,"abs_m":303492.7},"prior_mom_reported":{"pct":0.2185,"abs_m":9012.0}},"total_deposits":{"mom":{"pct":0.6635,"abs_m":23169.7},"pcp":{"pct":6.9978,"abs_m":229894.3},"current_m":3515113.7,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3095,"abs_m":-10839.5},"prior_month":"2026-08-01"},"fi_gov_deposits":{"mom":{"pct":-0.0541,"abs_m":-436.4},"pcp":{"pct":7.5753,"abs_m":56815.9},"current_m":806829.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.0375,"abs_m":-8462.9},"prior_month":"2026-08-01"},"housing_lending":{"mom":{"pct":0.2543,"abs_m":6366.6},"pcp":{"pct":6.2577,"abs_m":147821.9},"current_m":2510045.3,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3057,"abs_m":7630.1},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":5.5695,"abs_m":132421.9},"prior_mom_reported":{"pct":-0.3094,"abs_m":-7769.9}},"other_household":{"mom":{"pct":0.1417,"abs_m":99.5},"pcp":{"pct":6.5217,"abs_m":4305.4},"current_m":70322.3,"pcp_month":"2025-09-01","prior_mom":{"pct":0.385,"abs_m":269.3},"prior_month":"2026-08-01"},"business_lending":{"mom":{"pct":1.1926,"abs_m":15336.4},"pcp":{"pct":10.6623,"abs_m":125375.3},"current_m":1301251.6,"pcp_month":"2025-09-01","prior_mom":{"pct":0.766,"abs_m":9775.5},"series_13m":[{"month":"2025-09-01","value_m":1175876.3},{"month":"2025-10-01","value_m":1187814.4},{"month":"2025-11-01","value_m":1193538.6},{"month":"2025-12-01","value_m":1203494.2},{"month":"2026-01-01","value_m":1205758.6},{"month":"2026-02-01","value_m":1216029.8},{"month":"2026-03-01","value_m":1231430.6},{"month":"2026-04-01","value_m":1241907.2},{"month":"2026-05-01","value_m":1249996.2},{"month":"2026-06-01","value_m":1269108.1},{"month":"2026-07-01","value_m":1276139.7},{"month":"2026-08-01","value_m":1285915.2},{"month":"2026-09-01","value_m":1301251.6}],"prior_month":"2026-08-01"},"business_deposits":{"mom":{"pct":0.1157,"abs_m":1056.2},"pcp":{"pct":4.95,"abs_m":43110.0},"current_m":914012.8,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.8751,"abs_m":-8059.4},"series_13m":[{"month":"2025-09-01","value_m":870902.8},{"month":"2025-10-01","value_m":883166.5},{"month":"2025-11-01","value_m":891462.4},{"month":"2025-12-01","value_m":895775.0},{"month":"2026-01-01","value_m":895565.3},{"month":"2026-02-01","value_m":899816.8},{"month":"2026-03-01","value_m":901413.1},{"month":"2026-04-01","value_m":902446.0},{"month":"2026-05-01","value_m":905230.7},{"month":"2026-06-01","value_m":937561.1},{"month":"2026-07-01","value_m":921016.0},{"month":"2026-08-01","value_m":912956.6},{"month":"2026-09-01","value_m":914012.8}],"prior_month":"2026-08-01"},"wholesale_funding":{"mom":{"pct":-0.5241,"abs_m":-6455.2},"pcp":{"pct":1.9847,"abs_m":23842.5},"current_m":1225179.0,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.7478,"abs_m":-9279.3},"prior_month":"2026-08-01"},"household_deposits":{"mom":{"pct":1.2727,"abs_m":22549.2},"pcp":{"pct":7.8092,"abs_m":129968.2},"current_m":1794271.2,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3219,"abs_m":5684.5},"prior_month":"2026-08-01"}},"adi_count":118,"reporting_month":"2026-09-01"},"narrative_inputs":{"funding_gap_accelerating":false,"lending_outpaced_deposits":false,"housing_outpaced_household_deposits":false},"personal_lending":{"big5":[{"abn":"48123123124","mom":{"pct":0.1859,"abs_m":30.4},"pcp":{"pct":3.7351,"abs_m":589.9},"bank":"CBA","x_system":1.31,"current_m":16383.3},{"abn":"33007457141","mom":{"pct":0.29,"abs_m":33.6},"pcp":{"pct":10.3364,"abs_m":1088.7},"bank":"Westpac","x_system":2.05,"current_m":11621.4},{"abn":"12004044937","mom":{"pct":-0.3837,"abs_m":-47.3},"pcp":{"pct":-2.4375,"abs_m":-306.8},"bank":"NAB","x_system":-2.71,"current_m":12279.9},{"abn":"11005357522","mom":{"pct":0.1416,"abs_m":18.3},"pcp":{"pct":11.1445,"abs_m":1297.9},"bank":"ANZ","x_system":1.0,"current_m":12944.0},{"abn":"46008583542","mom":{"pct":2.0133,"abs_m":81.9},"pcp":{"pct":25.5157,"abs_m":843.6},"bank":"Macquarie","x_system":14.21,"current_m":4149.8}],"title":"Personal lending - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Westpac","prior":4},{"now":2,"bank":"CBA","prior":2},{"now":3,"bank":"ANZ","prior":1},{"now":4,"bank":"NAB","prior":3}],"leader":"Westpac","prior_leader":"ANZ","streak_months":1,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":0.1417,"abs_m":99.5},"pcp":{"pct":6.5217,"abs_m":4305.4},"current_m":70322.3,"pcp_month":"2025-09-01","prior_mom":{"pct":0.385,"abs_m":269.3},"series_13m":[{"month":"2025-09-01","value_m":66016.9},{"month":"2025-10-01","value_m":66152.8},{"month":"2025-11-01","value_m":66345.8},{"month":"2025-12-01","value_m":66686.8},{"month":"2026-01-01","value_m":66943.3},{"month":"2026-02-01","value_m":67467.7},{"month":"2026-03-01","value_m":68056.8},{"month":"2026-04-01","value_m":68533.6},{"month":"2026-05-01","value_m":69005.5},{"month":"2026-06-01","value_m":70006.8},{"month":"2026-07-01","value_m":69953.5},{"month":"2026-08-01","value_m":70222.8},{"month":"2026-09-01","value_m":70322.3}],"prior_month":"2026-08-01"},"big5_share_pct":81.6},"metric_key":"other_household","narrative_id":"personal_lending"},"wholesale_funding":{"big5":[{"abn":"48123123124","mom":{"pct":-2.3939,"abs_m":-4971.7},"pcp":{"pct":2.1482,"abs_m":4263.0},"bank":"CBA","x_system":null,"current_m":202711.4},{"abn":"33007457141","mom":{"pct":-2.8002,"abs_m":-6127.7},"pcp":{"pct":-0.4279,"abs_m":-914.1},"bank":"Westpac","x_system":null,"current_m":212699.7},{"abn":"12004044937","mom":{"pct":-0.3052,"abs_m":-615.8},"pcp":{"pct":0.022,"abs_m":44.3},"bank":"NAB","x_system":null,"current_m":201184.2},{"abn":"11005357522","mom":{"pct":-1.7869,"abs_m":-3341.0},"pcp":{"pct":-6.266,"abs_m":-12275.5},"bank":"ANZ","x_system":null,"current_m":183632.0},{"abn":"46008583542","mom":{"pct":4.7409,"abs_m":4099.9},"pcp":{"pct":8.5145,"abs_m":7107.2},"bank":"Macquarie","x_system":null,"current_m":90578.7}],"title":"Wholesale funding - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Westpac","prior":1},{"now":2,"bank":"CBA","prior":3},{"now":3,"bank":"ANZ","prior":2},{"now":4,"bank":"NAB","prior":4},{"now":5,"bank":"Macquarie","prior":5}],"leader":"Westpac","prior_leader":"NAB","streak_months":4,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":-0.5241,"abs_m":-6455.2},"pcp":{"pct":1.9847,"abs_m":23842.5},"current_m":1225179.0,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.7478,"abs_m":-9279.3},"series_13m":[{"month":"2025-09-01","value_m":1201336.5},{"month":"2025-10-01","value_m":1208543.3},{"month":"2025-11-01","value_m":1212242.6},{"month":"2025-12-01","value_m":1197624.9},{"month":"2026-01-01","value_m":1192393.3},{"month":"2026-02-01","value_m":1193916.9},{"month":"2026-03-01","value_m":1230799.4},{"month":"2026-04-01","value_m":1234141.7},{"month":"2026-05-01","value_m":1227766.7},{"month":"2026-06-01","value_m":1250036.6},{"month":"2026-07-01","value_m":1240913.5},{"month":"2026-08-01","value_m":1231634.2},{"month":"2026-09-01","value_m":1225179.0}],"prior_month":"2026-08-01"},"lt_borrowings":{"mom":{"pct":-0.5338,"abs_m":-4051.3},"pcp":{"pct":1.2892,"abs_m":9608.9},"current_m":754933.5,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3068,"abs_m":2321.6},"prior_month":"2026-08-01"},"st_borrowings":{"mom":{"pct":-0.5086,"abs_m":-2403.9},"pcp":{"pct":3.1213,"abs_m":14233.6},"current_m":470245.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-2.3956,"abs_m":-11600.9},"prior_month":"2026-08-01"},"big5_share_pct":72.7,"securitisation":{"mom":{"pct":2.248,"abs_m":16003.8},"pcp":{"pct":6.3619,"abs_m":43538.7},"current_m":727910.1,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.7371,"abs_m":-5286.5},"prior_month":"2026-08-01"}},"metric_key":"wholesale_funding","narrative_id":"wholesale_funding"},"big5_total_lending":{"big5":[{"abn":"48123123124","mom":{"pct":0.6166,"abs_m":5839.5},"pcp":{"pct":9.0019,"abs_m":78693.8},"bank":"CBA","x_system":1.12,"current_m":952885.1},{"abn":"33007457141","mom":{"pct":0.543,"abs_m":4243.9},"pcp":{"pct":8.4077,"abs_m":60946.4},"bank":"Westpac","x_system":0.98,"current_m":785831.5,"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"pcp_reported":{"pct":6.1525,"abs_m":45546.4}},{"abn":"12004044937","mom":{"pct":0.2006,"abs_m":1389.0},"pcp":{"pct":6.878,"abs_m":44651.7},"bank":"NAB","x_system":0.36,"current_m":693848.5},{"abn":"11005357522","mom":{"pct":0.3896,"abs_m":2080.8},"pcp":{"pct":5.909,"abs_m":29913.2},"bank":"ANZ","x_system":0.71,"current_m":536142.3},{"abn":"46008583542","mom":{"pct":1.3653,"abs_m":2957.0},"pcp":{"pct":21.9293,"abs_m":39484.2},"bank":"Macquarie","x_system":2.48,"current_m":219536.2}],"title":"Total Lending - Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Macquarie","prior":1},{"now":2,"bank":"CBA","prior":3},{"now":3,"bank":"Westpac","prior":5},{"now":4,"bank":"ANZ","prior":2},{"now":5,"bank":"NAB","prior":4}],"leader":"Macquarie","prior_leader":null,"streak_months":6,"months_measured":6,"streak_is_whole_window":true},"primary":{"mom":{"pct":0.5513,"abs_m":22790.4},"pcp":{"pct":8.3094,"abs_m":318892.7},"current_m":4156607.1,"pcp_month":"2025-09-01","prior_mom":{"pct":0.5941,"abs_m":24412.0},"series_13m":[{"month":"2025-09-01","value_m":3853114.4},{"month":"2025-10-01","value_m":3878381.5},{"month":"2025-11-01","value_m":3904140.8},{"month":"2025-12-01","value_m":3939532.6},{"month":"2026-01-01","value_m":3956895.6},{"month":"2026-02-01","value_m":3978543.8},{"month":"2026-03-01","value_m":4010457.9},{"month":"2026-04-01","value_m":4036114.6},{"month":"2026-05-01","value_m":4067158.1},{"month":"2026-06-01","value_m":4109982.1},{"month":"2026-07-01","value_m":4124804.7},{"month":"2026-08-01","sold_m":15400.0,"value_m":4133816.7},{"month":"2026-09-01","value_m":4156607.1}],"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":7.8766,"abs_m":303492.7},"prior_mom_reported":{"pct":0.2185,"abs_m":9012.0}},"big5_share_pct":76.7,"business_lending":{"mom":{"pct":1.1926,"abs_m":15336.4},"pcp":{"pct":10.6623,"abs_m":125375.3},"current_m":1301251.6,"pcp_month":"2025-09-01","prior_mom":{"pct":0.766,"abs_m":9775.5},"prior_month":"2026-08-01"},"household_lending":{"mom":{"pct":0.2458,"abs_m":6393.6},"pcp":{"pct":6.1548,"abs_m":151187.3},"current_m":2607611.8,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3168,"abs_m":8213.6},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":5.4934,"abs_m":135787.3},"prior_mom_reported":{"pct":-0.2755,"abs_m":-7186.4}}},"metric_key":"total_lending","narrative_id":"big5_total_lending"},"household_deposits":{"big5":[{"abn":"48123123124","mom":{"pct":1.406,"abs_m":6601.6},"pcp":{"pct":7.6806,"abs_m":33961.3},"bank":"CBA","x_system":1.1,"current_m":476130.7},{"abn":"33007457141","mom":{"pct":1.5163,"abs_m":5523.1},"pcp":{"pct":7.5369,"abs_m":25915.4},"bank":"Westpac","x_system":1.19,"current_m":369762.9},{"abn":"12004044937","mom":{"pct":1.1599,"abs_m":2831.1},"pcp":{"pct":7.464,"abs_m":17148.7},"bank":"NAB","x_system":0.91,"current_m":246902.3},{"abn":"11005357522","mom":{"pct":1.2914,"abs_m":2569.4},"pcp":{"pct":5.6914,"abs_m":10852.0},"bank":"ANZ","x_system":1.01,"current_m":201525.8},{"abn":"46008583542","mom":{"pct":2.6348,"abs_m":3115.2},"pcp":{"pct":32.325,"abs_m":29643.8},"bank":"Macquarie","x_system":2.07,"current_m":121349.4}],"title":"Household Deposits - System + Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Macquarie","prior":1},{"now":2,"bank":"Westpac","prior":5},{"now":3,"bank":"CBA","prior":3},{"now":4,"bank":"ANZ","prior":4},{"now":5,"bank":"NAB","prior":2}],"leader":"Macquarie","prior_leader":"NAB","streak_months":3,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":1.2727,"abs_m":22549.2},"pcp":{"pct":7.8092,"abs_m":129968.2},"current_m":1794271.2,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3219,"abs_m":5684.5},"series_13m":[{"month":"2025-09-01","value_m":1664303.0},{"month":"2025-10-01","value_m":1682608.9},{"month":"2025-11-01","value_m":1688998.8},{"month":"2025-12-01","value_m":1712721.5},{"month":"2026-01-01","value_m":1715511.3},{"month":"2026-02-01","value_m":1721658.8},{"month":"2026-03-01","value_m":1729157.1},{"month":"2026-04-01","value_m":1743701.4},{"month":"2026-05-01","value_m":1746403.6},{"month":"2026-06-01","value_m":1733147.9},{"month":"2026-07-01","value_m":1766037.5},{"month":"2026-08-01","value_m":1771722.0},{"month":"2026-09-01","value_m":1794271.2}],"prior_month":"2026-08-01"},"big5_share_pct":78.9},"metric_key":"household_deposits","narrative_id":"household_deposits"},"system_funding_gap":{"big5":[{"abn":"48123123124","mom":{"pct":-3.1969,"abs_m":-3354.1},"pcp":{"pct":24.2374,"abs_m":19813.7},"bank":"CBA","gap_m":101562.2,"x_system":null,"lending_m":952885.1,"deposits_m":851322.9,"lending_mom_abs_m":5839.5,"deposits_mom_abs_m":9193.599999999977,"lending_breakdown_mom":{"housing_oo":{"pct":0.5828,"abs_m":2431.0},"housing_inv":{"pct":0.1651,"abs_m":368.0},"credit_cards":{"pct":-0.6856,"abs_m":-55.1},"other_household":{"pct":0.1859,"abs_m":30.4},"business_lending":{"pct":1.1214,"abs_m":2809.7}},"deposits_breakdown_mom":{"fi":{"pct":1.6212,"abs_m":2196.7},"business":{"pct":0.4694,"abs_m":927.6},"government":{"pct":0.4013,"abs_m":125.6},"households":{"pct":1.406,"abs_m":6601.6}}},{"abn":"33007457141","mom":{"pct":3.3801,"abs_m":3733.8},"pcp":{"pct":0.914,"abs_m":1034.3},"bank":"Westpac","gap_m":114197.1,"x_system":null,"lending_m":785831.5,"deposits_m":671634.4,"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"pcp_ex_sale":{"pct":14.5227,"abs_m":16434.3},"lending_mom_abs_m":4243.900000000023,"deposits_mom_abs_m":510.0999999999767,"lending_breakdown_mom":{"housing_oo":{"pct":0.5156,"abs_m":1716.1},"housing_inv":{"pct":-0.1716,"abs_m":-293.4},"credit_cards":{"pct":0.5498,"abs_m":32.1},"other_household":{"pct":0.29,"abs_m":33.6},"business_lending":{"pct":1.1037,"abs_m":2412.1}},"deposits_breakdown_mom":{"fi":{"pct":-7.3117,"abs_m":-6223.3},"business":{"pct":-1.3897,"abs_m":-2412.4},"government":{"pct":9.6039,"abs_m":3881.1},"households":{"pct":1.5163,"abs_m":5523.1}}},{"abn":"12004044937","mom":{"pct":-1.409,"abs_m":-1359.1},"pcp":{"pct":7.5648,"abs_m":6688.3},"bank":"NAB","gap_m":95101.2,"x_system":null,"lending_m":693848.5,"deposits_m":598747.3,"lending_mom_abs_m":1389.0,"deposits_mom_abs_m":2748.100000000093,"lending_breakdown_mom":{"housing_oo":{"pct":-0.1611,"abs_m":-380.7},"housing_inv":{"pct":-0.2441,"abs_m":-281.5},"credit_cards":{"pct":-0.0728,"abs_m":-5.4},"other_household":{"pct":-0.3837,"abs_m":-47.3},"business_lending":{"pct":0.9378,"abs_m":2609.1}},"deposits_breakdown_mom":{"fi":{"pct":0.9547,"abs_m":1172.6},"business":{"pct":-0.0789,"abs_m":-145.7},"government":{"pct":-1.3217,"abs_m":-345.0},"households":{"pct":1.1599,"abs_m":2831.1}}},{"abn":"11005357522","mom":{"pct":-4.0238,"abs_m":-3809.3},"pcp":{"pct":-4.3908,"abs_m":-4172.7},"bank":"ANZ","gap_m":90860.6,"x_system":null,"lending_m":536142.3,"deposits_m":445281.7,"lending_mom_abs_m":2080.8000000000466,"deposits_mom_abs_m":5890.100000000035,"lending_breakdown_mom":{"housing_oo":{"pct":0.3522,"abs_m":772.2},"housing_inv":{"pct":0.1851,"abs_m":211.0},"credit_cards":{"pct":-0.6713,"abs_m":-28.6},"other_household":{"pct":0.1416,"abs_m":18.3},"business_lending":{"pct":1.3966,"abs_m":2224.4}},"deposits_breakdown_mom":{"fi":{"pct":0.9565,"abs_m":829.5},"business":{"pct":2.2285,"abs_m":3160.6},"government":{"pct":-5.4145,"abs_m":-387.8},"households":{"pct":1.2914,"abs_m":2569.4}}},{"abn":"46008583542","mom":{"pct":null,"abs_m":-1005.8},"pcp":{"pct":null,"abs_m":-3162.0},"bank":"Macquarie","gap_m":-22898.8,"x_system":null,"lending_m":219536.2,"deposits_m":242435.0,"lending_mom_abs_m":2957.0,"deposits_mom_abs_m":3962.7999999999884,"lending_breakdown_mom":{"housing_oo":{"pct":1.5292,"abs_m":1763.3},"housing_inv":{"pct":0.8855,"abs_m":642.9},"credit_cards":{"pct":0.1298,"abs_m":0.4},"other_household":{"pct":2.0133,"abs_m":81.9},"business_lending":{"pct":1.7996,"abs_m":406.4}},"deposits_breakdown_mom":{"fi":{"pct":-1.0847,"abs_m":-601.7},"business":{"pct":2.3004,"abs_m":1446.0},"government":{"pct":22.1564,"abs_m":18.7},"households":{"pct":2.6348,"abs_m":3115.2}}}],"title":"System Funding Gap","system":{"ncds":{"mom":{"pct":-7.6245,"abs_m":-17258.9},"pcp":{"pct":-3.5903,"abs_m":-7786.9},"current_m":209102.7,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.5063,"abs_m":-3461.8},"prior_month":"2026-08-01"},"gap_m":641493.3999999999,"gap_mom":{"pct":-0.0591,"abs_m":-379.3},"gap_pcp":{"pct":12.9599,"abs_m":73598.4},"lending":{"mom":{"pct":0.5513,"abs_m":22790.4},"pcp":{"pct":8.3094,"abs_m":318892.7},"current_m":4156607.1,"pcp_month":"2025-09-01","prior_mom":{"pct":0.5941,"abs_m":24412.0},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":7.8766,"abs_m":303492.7},"prior_mom_reported":{"pct":0.2185,"abs_m":9012.0}},"deposits":{"mom":{"pct":0.6635,"abs_m":23169.7},"pcp":{"pct":6.9978,"abs_m":229894.3},"current_m":3515113.7,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3095,"abs_m":-10839.5},"prior_month":"2026-08-01"},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"gap_prior_mom":{"pct":3.1915,"abs_m":19851.5},"gap_series_13m":[{"month":"2025-09-01","value_m":567895.0},{"month":"2025-10-01","value_m":563433.2000000002},{"month":"2025-11-01","value_m":571397.3999999999},{"month":"2025-12-01","value_m":587498.5},{"month":"2026-01-01","value_m":585768.3999999999},{"month":"2026-02-01","value_m":592447.0999999996},{"month":"2026-03-01","value_m":606791.2999999998},{"month":"2026-04-01","value_m":612025.5},{"month":"2026-05-01","value_m":643657.8999999999},{"month":"2026-06-01","value_m":635910.6000000001},{"month":"2026-07-01","value_m":622021.2000000002},{"month":"2026-08-01","value_m":641872.7000000002},{"month":"2026-09-01","value_m":641493.3999999999}],"gap_pcp_ex_sale":{"pct":15.6716,"abs_m":88998.4},"wholesale_funding":{"mom":{"pct":-0.5241,"abs_m":-6455.2},"pcp":{"pct":1.9847,"abs_m":23842.5},"current_m":1225179.0,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.7478,"abs_m":-9279.3},"prior_month":"2026-08-01"},"mqg_gap_series_13m":[{"month":"2025-09-01","value_m":-19736.79999999999},{"month":"2025-10-01","value_m":-21778.5},{"month":"2025-11-01","value_m":-20043.0},{"month":"2025-12-01","value_m":-20264.600000000006},{"month":"2026-01-01","value_m":-19738.099999999977},{"month":"2026-02-01","value_m":-19782.600000000006},{"month":"2026-03-01","value_m":-20001.29999999999},{"month":"2026-04-01","value_m":-20549.199999999983},{"month":"2026-05-01","value_m":-20316.79999999999},{"month":"2026-06-01","value_m":-17670.70000000001},{"month":"2026-07-01","value_m":-23460.0},{"month":"2026-08-01","value_m":-21893.0},{"month":"2026-09-01","value_m":-22898.79999999999}],"big4_gap_series_13m":[{"month":"2025-09-01","value_m":378357.5},{"month":"2025-10-01","value_m":378342.1000000001},{"month":"2025-11-01","value_m":381237.7999999998},{"month":"2025-12-01","value_m":381672.6999999997},{"month":"2026-01-01","value_m":378134.2000000002},{"month":"2026-02-01","value_m":382939.1000000001},{"month":"2026-03-01","value_m":393880.6999999997},{"month":"2026-04-01","value_m":401719.1000000001},{"month":"2026-05-01","value_m":423684.5},{"month":"2026-06-01","value_m":408834.2999999998},{"month":"2026-07-01","value_m":400762.1000000001},{"month":"2026-08-01","value_m":406509.8000000003},{"month":"2026-09-01","value_m":401721.1000000001}],"gap_prior_mom_ex_sale":{"pct":5.6673,"abs_m":35251.5}},"narrative_id":"system_funding_gap"},"big5_total_deposits":{"big5":[{"abn":"48123123124","mom":{"pct":1.0917,"abs_m":9193.6},"pcp":{"pct":7.4302,"abs_m":58880.1},"bank":"CBA","x_system":1.65,"current_m":851322.9},{"abn":"33007457141","mom":{"pct":0.076,"abs_m":510.1},"pcp":{"pct":7.0978,"abs_m":44512.1},"bank":"Westpac","x_system":0.11,"current_m":671634.4},{"abn":"12004044937","mom":{"pct":0.4611,"abs_m":2748.1},"pcp":{"pct":6.7697,"abs_m":37963.4},"bank":"NAB","x_system":0.69,"current_m":598747.3},{"abn":"11005357522","mom":{"pct":1.3405,"abs_m":5890.1},"pcp":{"pct":8.2895,"abs_m":34085.9},"bank":"ANZ","x_system":2.02,"current_m":445281.7},{"abn":"46008583542","mom":{"pct":1.6617,"abs_m":3962.8},"pcp":{"pct":21.3456,"abs_m":42646.2},"bank":"Macquarie","x_system":2.5,"current_m":242435.0}],"title":"Total Deposits - Big 5","system":{"pace":{"ranks":[{"now":1,"bank":"Macquarie","prior":4},{"now":2,"bank":"ANZ","prior":5},{"now":3,"bank":"CBA","prior":2},{"now":4,"bank":"NAB","prior":3},{"now":5,"bank":"Westpac","prior":1}],"leader":"Macquarie","prior_leader":"Westpac","streak_months":1,"months_measured":6,"streak_is_whole_window":false},"primary":{"mom":{"pct":0.6635,"abs_m":23169.7},"pcp":{"pct":6.9978,"abs_m":229894.3},"current_m":3515113.7,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.3095,"abs_m":-10839.5},"series_13m":[{"month":"2025-09-01","value_m":3285219.4},{"month":"2025-10-01","value_m":3314948.3},{"month":"2025-11-01","value_m":3332743.4},{"month":"2025-12-01","value_m":3352034.1},{"month":"2026-01-01","value_m":3371127.2},{"month":"2026-02-01","value_m":3386096.7},{"month":"2026-03-01","value_m":3403666.6},{"month":"2026-04-01","value_m":3424089.1},{"month":"2026-05-01","value_m":3423500.2},{"month":"2026-06-01","value_m":3474071.5},{"month":"2026-07-01","value_m":3502783.5},{"month":"2026-08-01","value_m":3491944.0},{"month":"2026-09-01","value_m":3515113.7}],"prior_month":"2026-08-01"},"big5_share_pct":79.9,"fi_gov_deposits":{"mom":{"pct":-0.0541,"abs_m":-436.4},"pcp":{"pct":7.5753,"abs_m":56815.9},"current_m":806829.5,"pcp_month":"2025-09-01","prior_mom":{"pct":-1.0375,"abs_m":-8462.9},"prior_month":"2026-08-01"},"business_deposits":{"mom":{"pct":0.1157,"abs_m":1056.2},"pcp":{"pct":4.95,"abs_m":43110.0},"current_m":914012.8,"pcp_month":"2025-09-01","prior_mom":{"pct":-0.8751,"abs_m":-8059.4},"prior_month":"2026-08-01"},"household_deposits":{"mom":{"pct":1.2727,"abs_m":22549.2},"pcp":{"pct":7.8092,"abs_m":129968.2},"current_m":1794271.2,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3219,"abs_m":5684.5},"prior_month":"2026-08-01"}},"metric_key":"total_deposits","narrative_id":"big5_total_deposits"},"household_funding_gap":{"big5":[{"abn":"48123123124","mom":{"pct":-1.9635,"abs_m":-3827.3},"bank":"CBA","gap_m":191090.9,"x_system":null,"household_lending_m":667221.6,"household_deposits_m":476130.7,"household_lending_mom_abs_m":2774.29999999993,"household_deposits_mom_abs_m":6601.600000000035,"household_lending_breakdown_mom":{"housing_oo":{"pct":0.5828,"abs_m":2431.0},"housing_inv":{"pct":0.1651,"abs_m":368.0},"credit_cards":{"pct":-0.6856,"abs_m":-55.1},"other_household":{"pct":0.1859,"abs_m":30.4}}},{"abn":"33007457141","mom":{"pct":-2.5694,"abs_m":-4034.7},"bank":"Westpac","gap_m":152992.2,"x_system":null,"household_lending_m":522755.1,"household_deposits_m":369762.9,"household_lending_mom_abs_m":1488.399999999965,"household_deposits_mom_abs_m":5523.100000000035,"household_lending_breakdown_mom":{"housing_oo":{"pct":0.5156,"abs_m":1716.1},"housing_inv":{"pct":-0.1716,"abs_m":-293.4},"credit_cards":{"pct":0.5498,"abs_m":32.1},"other_household":{"pct":0.29,"abs_m":33.6}}},{"abn":"12004044937","mom":{"pct":-2.7848,"abs_m":-3546.0},"bank":"NAB","gap_m":123788.9,"x_system":null,"household_lending_m":370691.2,"household_deposits_m":246902.3,"household_lending_mom_abs_m":-714.8999999999651,"household_deposits_mom_abs_m":2831.0999999999767,"household_lending_breakdown_mom":{"housing_oo":{"pct":-0.1611,"abs_m":-380.7},"housing_inv":{"pct":-0.2441,"abs_m":-281.5},"credit_cards":{"pct":-0.0728,"abs_m":-5.4},"other_household":{"pct":-0.3837,"abs_m":-47.3}}},{"abn":"11005357522","mom":{"pct":-1.0542,"abs_m":-1596.5},"bank":"ANZ","gap_m":149843.5,"x_system":null,"household_lending_m":351369.3,"household_deposits_m":201525.8,"household_lending_mom_abs_m":972.8999999999651,"household_deposits_mom_abs_m":2569.399999999994,"household_lending_breakdown_mom":{"housing_oo":{"pct":0.3522,"abs_m":772.2},"housing_inv":{"pct":0.1851,"abs_m":211.0},"credit_cards":{"pct":-0.6713,"abs_m":-28.6},"other_household":{"pct":0.1416,"abs_m":18.3}}},{"abn":"46008583542","mom":{"pct":-0.8463,"abs_m":-626.7},"bank":"Macquarie","gap_m":73424.4,"x_system":null,"household_lending_m":194773.8,"household_deposits_m":121349.4,"household_lending_mom_abs_m":2488.5,"household_deposits_mom_abs_m":3115.199999999997,"household_lending_breakdown_mom":{"housing_oo":{"pct":1.5292,"abs_m":1763.3},"housing_inv":{"pct":0.8855,"abs_m":642.9},"credit_cards":{"pct":0.1298,"abs_m":0.4},"other_household":{"pct":2.0133,"abs_m":81.9}}}],"title":"System Household Funding Gap","system":{"gap_m":813340.6,"gap_mom":{"pct":-1.9476,"abs_m":-16155.6},"gap_pcp":{"pct":0.7206,"abs_m":5819.1},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"gap_prior_mom":{"pct":-1.5279,"abs_m":-12870.9},"gap_series_13m":[{"month":"2025-09-01","value_m":807521.5},{"month":"2025-10-01","value_m":803624.8999999999},{"month":"2025-11-01","value_m":814221.3},{"month":"2025-12-01","value_m":808561.2999999998},{"month":"2026-01-01","value_m":816602.7},{"month":"2026-02-01","value_m":820917.2},{"month":"2026-03-01","value_m":827972.2999999998},{"month":"2026-04-01","value_m":827052.3000000003},{"month":"2026-05-01","value_m":837885.2999999998},{"month":"2026-06-01","value_m":870469.5},{"month":"2026-07-01","value_m":842367.1000000001},{"month":"2026-08-01","value_m":829496.2000000002},{"month":"2026-09-01","value_m":813340.5999999999}],"gap_pcp_ex_sale":{"pct":2.6277,"abs_m":21219.1},"household_lending":{"mom":{"pct":0.2458,"abs_m":6393.6},"pcp":{"pct":6.1548,"abs_m":151187.3},"current_m":2607611.8,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3168,"abs_m":8213.6},"adjustments":["Westpac sold the RAMS home loan portfolio ($15.4bn) to a non-bank consortium (Pepper Money, KKR and PIMCO) on 1 August 2026"],"prior_month":"2026-08-01","pcp_reported":{"pct":5.4934,"abs_m":135787.3},"prior_mom_reported":{"pct":-0.2755,"abs_m":-7186.4}},"household_deposits":{"mom":{"pct":1.2727,"abs_m":22549.2},"pcp":{"pct":7.8092,"abs_m":129968.2},"current_m":1794271.2,"pcp_month":"2025-09-01","prior_mom":{"pct":0.3219,"abs_m":5684.5},"prior_month":"2026-08-01"},"gap_prior_mom_ex_sale":{"pct":0.3002,"abs_m":2529.1}},"narrative_id":"household_funding_gap"}}}