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1301.0 - Year Book Australia, 2012  
Latest ISSUE Released at 11:30 AM (CANBERRA TIME) 24/05/2012   
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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 10 HOUSING. Table 27.29 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.


27.29 LENDING COMMITMENTS OF FINANCIAL INSTITUTIONS
2008–09
2009–10
2010–11
Type of lending activity
$m
$m
$m

Housing finance(a)
175 022
180 003
166 427
Personal finance
81 589
88 326
86 536
Commercial finance
367 419
345 504
365 130
Lease finance
5 687
4 642
4 916
Total
629 717
618 475
623 009

(a) Secured finance for owner occupation. Excludes alterations and additions.
Source: Lending Finance, Australia (5671.0).


LEASE FINANCE

Table 27.30 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.


27.30 LEASE FINANCE COMMITMENTS, By type of lessor
2008–09
2009–10
2010–11
$m
$m
$m

Banks
2 144
1 417
1 242
Finance companies
np
np
np
General financiers
1 658
1 614
1 764
Other(a)
np
np
np
Total
5 687
4 642
4 916

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


PERSONAL FINANCE

Table 27.31 shows the value of commitments made by significant lenders (banks, credit co-operatives, finance companies, etc.) to individuals for their own personal (non-business) use. This includes credit card facilities and personal loans, but excludes secured housing finance.


27.31 PERSONAL FINANCE COMMITMENTS(a), By type of lender
2008–09
2009–10
2010–11
$m
$m
$m

Banks
67 318
76 298
73 906
Finance companies
np
np
np
Credit co-operatives
np
np
np
Other lenders(b)
8 053
7 656
8 430
Total
81 589
88 326
86 536

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 27.32 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.


27.32 COMMERCIAL FINANCE COMMITMENTS(a), By type of lender
2008–09
2009–10
2010–11
$m
$m
$m

Banks
316 561
310 716
279 439
Finance companies
np
np
np
Money market corporations
np
np
np
Other lenders(b)
np
np
np
Total
367 419
345 504
365 131

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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Statistics contained in the Year Book are the most recent available at the time of preparation. In many cases, the ABS website and the websites of other organisations provide access to more recent data. Each Year Book table or graph and the bibliography at the end of each chapter provides hyperlinks to the most up to date data release where available.


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