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1301.0 - Year Book Australia, 2007  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 24/01/2007   
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Contents >> Financial system >> Lending by financial institutions

LENDING BY FINANCIAL INSTITUTIONS

The lending activities of financial institutions are grouped for statistical purposes into four major types of lending - housing, personal, commercial and leasing. Information regarding housing finance is presented in the Housing chapter. Table 26.26 shows the size of commitments by financial institutions for the four types of lending. It should be noted that, although commitments are firm offers of finance made by institutions that have been accepted by borrowers, not all commitments are taken up by borrowers.


26.26 FINANCIAL INSTITUTIONS, Lending commitments

2003-04
2004-05
2005-06
Type of lending activity
$m
$m
$m

Housing finance
127,632
133,666
155,021
Personal finance
79,302
73,702
76,340
Commercial finance
292,467
307,991
363,003
Lease finance
6,371
6,308
6,848
Total
505,772
521,666
601,213

Source: Lending Finance, Australia (5671.0).


LEASE FINANCE

The statistics in tables 26.27 and 26.28 measure lease finance commitments made by significant lenders (banks, money market corporations, finance companies, general financiers, etc.) to trading and financial enterprises, non-profit organisations, governments, public authorities and individuals.


26.27 LEASE FINANCE COMMITMENTS, By type of lessor

2003-04
2004-05
2005-06
$m
$m
$m

All banks
1,957
2,219
2,409
Finance companies
1,319
1,275
n.p.
General financiers
1,962
1,706
1,956
Other(a)
1,133
1,108
n.p.
Total
6,371
6,308
6,848

(a) Includes money market corporations.
Source: Lending Finance, Australia (5671.0).

26.28 LEASE FINANCE COMMITMENTS, By type of good leased

2003-04
2004-05
2005-06
$m
$m
$m

Motor vehicles and other transport equipment
3,106
3,192
3,252
Construction and earth moving equipment
294
409
453
Agricultural machinery and equipment
174
157
173
Automatic data processing equipment and office machinery
1,866
1,532
1,830
Shop and office furniture, fittings and equipment
196
236
258
Other goods
736
782
883
Total
6,371
6,308
6,848

Source: Lending Finance, Australia (5671.0).


PERSONAL FINANCE

Tables 26.29 and 26.30 present statistics of commitments made by significant lenders (banks, credit cooperatives, finance companies, etc.) to lend to individuals for their own personal (non-business) use. The revolving credit commitments provided in table 26.30 include commitments for overdrafts, credit cards and other personal revolving lines of credit.


26.29 PERSONAL FINANCE COMMITMENTS, By type of lender(a)

2003-04
2004-05
2005-06
$m
$m
$m

All banks
62,194
57,386
60,731
Finance companies
10,902
n.p.
3,278
Credit cooperatives
3,374
n.p.
3,086
Other lenders(b)
2,831
7,981
9,245
Total
79,301
73,702
76,340

(a) Includes both fixed loan facilities and new and increased lending commitments under revolving credit facilities.
(b) Includes permanent building societies, general financiers and retailers.
Source: Lending Finance, Australia (5671.0).

26.30 PERSONAL FINANCE COMMITMENTS, By type of facility

2003-04
2004-05
2005-06
$m
$m
$m

Fixed loan commitments
33,968
33,435
33,397
Revolving credit commitments
New and increased credit limits
45,334
40,268
42,943
Cancellations and reductions in credit limits
16,873
18,004
21,929
Credit limits at 30 June
Total(a)
184,851
206,499
224,894
Used
88,998
100,784
107,281

(a) This figure sometimes reflects a rebasing of the data by one or more lenders without adjustment to earlier periods' commitments advanced or cancelled.
Source: Lending Finance, Australia (5671.0).


COMMERCIAL FINANCE

The statistics in tables 26.31 and 26.32 measure commitments, made by significant lenders (banks, finance companies, money market corporations, etc.) to lend to government, private and public enterprises, non-profit organisations and individuals for investment and business purposes.


26.31 COMMERCIAL FINANCE COMMITMENTS, By type of lender(a)

2003-04
2004-05
2005-06
$m
$m
$m

All banks
n.p.
262,163
312,874
Finance companies
6,028
4,608
4,638
Money market corporations
n.p.
4,096
5,431
Other lenders(b)
32,231
37,124
40,060
Total
(c)292,467
307,991
363,003

(a) Includes both fixed loan facilities and new and increased lending commitments under revolving credit facilities.
(b) Includes permanent building societies, general financiers and pastoral finance companies.
(c) Components do not add to the total.
Source: Lending Finance, Australia (5671.0).

26.32 FIXED COMMERCIAL FINANCE COMMITMENTS

2003-04
2004-05
2005-06
Purpose
$m
$m
$m

Construction
16,014
17,836
17,877
Purchase of real property(a)
84,862
75,070
81,348
Purchase of plant and equipment
13,213
13,770
18,915
Refinancing
16,200
17,070
21,438
Other purposes
64,574
75,340
103,967
Total
194,863
199,086
243,545

(a) Purchase of real property includes those finance commitments to individuals for the purchase of dwellings for rental or resale.
Source: Lending Finance, Australia (5671.0).


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