6. The figure below shows the market share of Australia's home loan market between 2013-2019: $500B 100% 14.87% 15.66% 15.79% 16.12% 15.94% 15.68% 15.97% $450B 90% 30% $400B 25.90% 25,75% 10% 26.33% 26.06% 26.89% 26.76% 26.34% $350B 15.96% 50% 16,11% 16.24% 16.22% 16.74% 16.92% 16.86% $300B 10% $250B 30% 24.42% 24.53% 24.42% 24.48% 24.71% 24.34% 24.83% 20% $200B 10% 18.85% 17.93% 17.43% 17.36% 15.72% 15.39% 16,46% $150B 0% 2013 2014 2015 2016 2017 2018 2019 2013 2014 2015 2016 2017 2018 2019 ANZ CBA NAB IWBC Others Source: APRA Monthly Banking Statistics Based on the figure, we have the following: 2013 Market Share: ANZ: 15.97%, CBA: 26.89%, NAB: 16.92%, WBC: 24.83%, and Others: 15.39% 2019 Market Share: ANZ: 14.87%, CBA: 25.90%, NAB: 15.96%, WBC: 24.42%, and Others: 18.85% Accordingly, the 2-firm concentration ratio in this market in 2013 is , and the 4-firm concentration ratio in this market in 2019 is