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1301.0 - Year Book Australia, 2002  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 25/01/2002   
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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

Type of lending activity
1998-99

$m
1999-2000

$m
2000-01

$m

Housing finance
61,498
74,952
74,571
Personal finance
45,905
51,823
52,592
Commercial finance
172,058
168,923
183,460
Lease finance
9,517
7,900
6,022
Total
288,978
303,598
316,645

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

Type of lessor
1998-99

$m
1999-2000

$m
2000-01

$m

All banks
3,684
3,134
2,063
Finance companies
3,755
2,550
1,540
General financiers
1,691
1,472
1,590
Other(a)
386
742
830
Total
9,517
7,900
6,022

(a) Includes money market corporations.

Source: Lending Finance, Australia (5671.0).


26.27 LEASE FINANCE COMMITMENTS, By Type of Goods Leased

Type of good
1998-99

$m
1999-2000

$m
2000-01

$m

Motor vehicles and other transport equipment
5,276
3,639
2,532
Construction and earth moving equipment
387
319
216
Agricultural machinery and equipment
586
328
208
Automatic data processing equipment and office machinery
1,625
1,996
1,924
Shop and office furniture, fittings and equipment
332
454
342
Other goods
1,309
1,163
802
Total
9,517
7,900
6,022

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)

Type of lender
1998-99

$m
1999-2000

$m
2000-01

$m

All banks
33,825
39,866
40,178
Finance companies
7,267
6,907
6,761
Credit cooperatives
3,275
3,157
3,038
Other lenders(b)
1,538
1,891
2,616
Total
45,905
51,823
52,592

(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

Type of facility
1998-99

$m
1999-2000

$m
2000-01

$m

Fixed loan commitments
21,124
22,266
22,739
Revolving credit commitments -
New and increased credit limits
24,781
29,558
29,851
Cancellations and reductions in credit limits
7,433
9,126
11,012
Credit limits at 30 June -
Total
80,013
102,805
114,921
Used
34,683
46,665
54,805

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), By Type of Lender

Type of lender
1998-99

$m
1999-2000

$m
2000-01

$m

All banks
142,776
144,130
154,023
Finance companies
4,504
4,553
5,335
Money market corporations
16,468
12,324
12,591
Other lenders(b)
8,307
7,916
11,511
Total
172,058
168,923
183,460

(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, By Purpose

Purpose
1998-99

$m
1999-2000

$m
2000-01

$m

Construction
8,024
9,373
8,002
Purchase of real property(a)
28,117
36,309
34,803
Purchase of plant and equipment
7,624
8,723
8,984
Refinancing
11,385
9,210
10,366
Other purposes
35,969
30,341
36,978
Total
91,119
93,956
99,133

(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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