ANZ put its market share on the merchant-side of the payments market at 16.9 per cent in August 2010, up from 15.3 per cent two years earlier.Its improving merchant business is one of four product areas which have improving market share stories to tell and was highlighted in an investor presentation published yesterday.ANZ's market share of deposits has increased to 12.1 per cent, from 10.4 per cent, over two years. Its mortgage share has increased by one percentage point, to 12.1 per cent. Personal loans also increased by one percentage point, to 14.6 per cent.The bank's credit card market share was steady at 20.5 per cent over two years, using a measure that may overstate the bank's market share by leaving out non-bank providers in the credit card market. MWE Consulting puts ANZ's market share of consumer cards at 16.7 per cent and growing over two years.