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1301.0 - Year Book Australia, 2008  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 07/02/2008   
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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 27.26 shows the size of commitments by financial institutions for the four types of lending activity. 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.


Lease finance

Table 27.27 shows the value of 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.


Personal finance

Table 27.28 shows the value of commitments made by significant lenders (banks, credit cooperatives, finance companies, etc.) to lend to individuals for their own personal (non-business) use.

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

2004-05
2005-06
2006-07
$m
$m
$m

All banks
56 813
59 317
63 537
Finance companies
np
3 278
3 173
Credit cooperatives
np
3 183
3 427
Other lenders(b)
7 982
9 171
9 924
Total
73 130
74 949
80 061

np not available for publication but included in totals where applicable, unless otherwise indicated
(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).



Commercial finance

Table 27.29 shows the value of 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.

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

2004-05
2005-06
2006-07
$m
$m
$m

All banks
263 644
320 035
388 651
Finance companies
4 608
4 638
4 870
Money market corporations
4 096
5 431
np
Other lenders(b)
37 124
40 018
np
Total
309 472
370 122
453 780

np not available for publication but included in totals where applicable, unless otherwise indicated
(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.
Source: Lending Finance, Australia (5671.0).





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