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1301.0 - Year Book Australia, 2004  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 27/02/2004   
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Contents >> Financial system >> 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 Housing. Table 26.25 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.

26.25 FINANCIAL INSTITUTIONS, Lending commitments

2000-01
2001-02
2002-03
Type of lending activity
$m
$m
$m

Housing finance
74,424
96,482
106,691
Personal finance
52,700
58,137
68,940
Commercial finance
183,815
207,012
261,405
Lease finance
6,061
6,626
6,312
Total
317,000
365,718
468,584

Source: Lending Finance, Australia (5671.0).

Lease finance

The statistics in tables 26.26 and 26.27 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.

26.26 LEASE FINANCE COMMITMENTS, By type of lessor

2000-01
2001-02
2002-03
$m
$m
$m

All banks
2,062
1,906
1,976
Finance companies
1,571
1,813
1,251
General financiers
1,580
1,636
1,706
Other(a)
849
1,271
1,379
Total
6,061
6,626
6,312

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

26.27 LEASE FINANCE COMMITMENTS, By type of good leased

2000-01
2001-02
2002-03
$m
$m
$m

Motor vehicles and other transport equipment
2,530
2,856
2,905
Construction and earth moving equipment
217
231
313
Agricultural machinery and equipment
212
220
174
Automatic data processing equipment and office machinery
1,944
2,122
1,956
Shop and office furniture, fittings and equipment
343
340
164
Other goods
815
857
801
Total
6,061
6,626
6,312

Source: Lending Finance, Australia (5671.0).

Personal finance

Tables 26.28 and 26.29 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 26.29 include commitments for overdrafts, credit cards and other personal revolving lines of credit.

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

2000-01
2001-02
2002-03
$m
$m
$m

All banks
40,170
43,721
52,926
Finance companies
6,855
7,885
9,373
Credit cooperatives
3,060
3,325
3,498
Other lenders(b)
2,614
3,207
3,143
Total
52,700
58,137
68,940

(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).

26.29 PERSONAL FINANCE COMMITMENTS, By type of facility

2000-01
2001-02
2002-03
$m
$m
$m

Fixed loan commitments
22,697
25,620
30,589
Revolving credit commitments
New and increased credit limits
30,003
32,517
38,352
Cancellations and reductions in credit limits
11,046
14,960
13,240
Credit limits at 30 June
Total
115,274
129,615
156,396
Used
55,582
61,000
75,029

Source: Lending Finance, Australia (5671.0).

Commercial finance

The statistics in tables 26.30 and 26.31 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.

26.30 COMMERCIAL FINANCE COMMITMENTS(a)

2000-01
2001-02
2002-03
$m
$m
$m

All banks
153,893
171,022
227,708
Finance companies
5,615
6,937
6,192
Money market corporations
12,658
12,139
5,776
Other lenders(b)
11,650
16,911
21,730
Total
183,816
207,012
261,406

(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).

26.31 FIXED COMMERCIAL FINANCE COMMITMENTS

2000-01
2001-02
2002-03
Purpose
$m
$m
$m

Construction
7,968
9,844
18,560
Purchase of real property(a)
34,837
53,399
69,831
Purchase of plant and equipment
9,249
13,571
12,738
Refinancing
10,325
11,764
12,369
Other purposes
37,030
41,828
55,291
Total
99,409
130,408
168,791

(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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