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1301.0 - Year Book Australia, 2005  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 21/01/2005   
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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 Chapter 8 Housing. 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

2001-02
2002-03
2003-04
Type of lending activity
$m
$m
$m

Housing finance
96,482
106,699
124,033
Personal finance
58,137
68,813
79,588
Commercial finance
207,012
261,405
289,198
Lease finance
6,626
6,312
6,371
Total
365,718
468,584
549,937

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

2001-02
2002-03
2003-04
$m
$m
$m

All banks
1,906
1,976
1,957
Finance companies
1,813
1,251
1,319
General financiers
1,636
1,706
1,962
Other(a)
1,271
1,379
1,132
Total
6,626
6,312
6,371

(a) Includes money market corporations.

Source: Lending Finance, Australia (5671.0).


26.28 LEASE FINANCE COMMITMENTS, By type of good leased

2001-02
2002-03
2003-04
$m
$m
$m

Motor vehicles and other transport equipment
2,856
2,905
3,106
Construction and earth moving equipment
231
313
294
Agricultural machinery and equipment
220
174
174
Automatic data processing equipment and office machinery
2,122
1,956
1,866
Shop and office furniture, fittings and equipment
340
164
196
Other goods
857
801
735
Total
6,626
6,312
6,371

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 new 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 NEW AND INCREASED COMMITMENTS, By type of lender(a)

2001-02
2002-03
2003-04
$m
$m
$m

All banks
43,721
52,926
62,558
Finance companies
7,885
9,230
10,902
Credit cooperatives
3,325
3,496
3,318
Other lenders(b)
3,207
3,159
2,809
Total
58,137
68,813
79,588

(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

2001-02
2002-03
2003-04
$m
$m
$m

Personal finance new and increased commitments
58,137
68,813
79,588
Fixed loan commitments
25,620
30,442
33,885
New and increased credit limits
32,517
38,371
45,703
Cancellations and reductions in credit limits
14,960
13,253
16,768
Credit limits at 30 June
Total
129,615
153,382
186,206
Used
61,000
75,074
90,527

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 NEW AND INCREASED COMMITMENTS(a)

2001-02
2002-03
2003-04
$m
$m
$m

All banks
171,023
227,709
242,851
Finance companies
6,938
6,193
6,028
Money market corporations
12,140
5,776
8,793
Other lenders(b)
16,911
21,728
31,527
Total
207,012
261,406
289,198

(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).


26.32 FIXED COMMERCIAL FINANCE NEW COMMITMENTS

2001-02
2002-03
2003-04
Purpose
$m
$m
$m

Construction
9,844
18,561
15,697
Purchase of real property(a)
53,399
69,829
83,138
Purchase of plant and equipment
13,571
12,739
12,613
Re-financing
11,765
12,369
16,067
Other purposes
41,828
55,291
64,315
Total
130,408
168,789
191,830

(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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