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1301.0 - Year Book Australia, 2006  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 20/01/2006   
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Contents >> Chapter 26 - 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 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

2002-03
2003-04
2004-05
Type of lending activity
$m
$m
$m

Housing finance
108,975
127,632
133,666
Personal finance
68,905
79,302
73,702
Commercial finance
262,139
292,467
307,991
Lease finance
6,312
6,371
6,308
Total
446,331
505,772
521,667

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

2002-03
2003-04
2004-05
$m
$m
$m

All banks
1,976
1,957
2,219
Finance companies
1,251
1,319
1,275
General financiers
1,706
1,962
1,706
Other(a)
1,379
1,133
1,108
Total
6,312
6,371
6,308

(a) Includes money market corporations.

Source: Lending Finance, Australia (5671.0).

26.28 LEASE FINANCE COMMITMENTS, By type of good leased

2002-03
2003-04
2004-05
$m
$m
$m

Motor vehicles and other transport equipment
2,905
3,105
3,192
Construction and earth moving equipment
313
294
409
Agricultural machinery and equipment
174
174
157
Automatic data processing equipment and office machinery
1,956
1,865
1,532
Shop and office furniture, fittings and equipment
164
196
236
Other goods
802
736
781
Total
6,314
6,370
6,307

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 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 COMMITMENTS, By type of lender(a)

2002-03
2003-04
2004-05
$m
$m
$m

All banks
52,971
62,194
57,386
Finance companies
9,230
10,902
5,052
Credit cooperatives
3,540
3,374
3,283
Other lenders(b)
3,164
2,831
7,981
Total
68,905
79,301
73,702

(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

2002-03
2003-04
2004-05
$m
$m
$m

Fixed loan commitments
30,478
33,968
33,435
Revolving credit commitments
New and increased credit limits
38,427
45,334
40,268
Cancellations and reductions in credit limits
13,270
16,873
18,004
Credit limits at 30 June
Total
153,506
184,851
206,499
Used
75,142
88,998
100,784

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 COMMITMENTS(a)

2002-03
2003-04
2004-05
$m
$m
$m

All banks
228,270
245,273
262,163
Finance companies
6,193
6,028
4,608
Money market corporations
5,798
8,934
4,096
Other lenders(b)
21,879
32,231
37,124
Total
262,140
292,466
307,991

(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 COMMITMENTS

2002-03
2003-04
2004-05
Purpose
$m
$m
$m

Construction
18,568
16,014
17,836
Purchase of real property(a)
70,306
84,862
75,070
Purchase of plant and equipment
12,890
13,213
13,770
Refinancing
12,413
16,200
17,070
Other purposes
55,318
64,574
75,341
Total
169,495
194,863
199,087

(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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