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1301.0 - Year Book Australia, 2009–10  
Previous ISSUE Released at 11:30 AM (CANBERRA TIME) 04/06/2010   
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Contents >> 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 27.26 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.

27.26 LENDING COMMITMENTS OF FINANCIAL INSTITUTIONS

2006 - 07
2007 - 08
2008 - 09
Type of lending activity
$m
$m
$m

Housing finance(a)
174 039
174 566
175 022
Personal finance
79 846
82 354
79 634
Commercial finance
455 173
486 600
354 325
Lease finance
6 325
7 012
5 687
Total
715 383
750 534
614 668

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



Lease finance

Table 27.27 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.

27.27 LEASE FINANCE COMMITMENTS, By type of lessor

2006 - 07
2007 - 08
2008 - 09
$m
$m
$m

Banks
2 224
2 521
2 144
Finance companies
1 034
943
np
General financiers
1 678
1 994
1 658
Other(a)
1 389
1 554
np
Total
6 325
7 012
5 687

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



Personal finance

Table 27.28 shows the value of commitments made by significant lenders (banks, credit cooperatives, finance companies, etc.) to lend to individuals for their own personal (non-business) use. This includes credit card facilities and personal loans, but excludes secured housing finance.

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

2006 - 07
2007 - 08
2008 - 09
$m
$m
$m

Banks
63 298
65 073
65 363
Finance companies
3 298
4 023
np
Credit cooperatives
3 422
3 133
np
Other lenders(b)
9 828
10 125
8 053
Total
79 846
82 354
79 634

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 other registered financial corporations.
Source: ABS Lending Finance, Australia (5671.0).



Commercial finance

Table 27.29 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. The decrease in the value of commitments in 2008-09 was primarily driven by the global financial crisis.

27.29 COMMERCIAL FINANCE COMMITMENTS, By type of lender(a)

2006 - 07
2007 - 08
2008 - 09
$m
$m
$m

Banks
389 859
431 661
316 561
Finance companies
4 870
5 004
np
Money market corporations
np
np
np
Other lenders(b)
np
np
np
Total
455 173
486 600
354 325

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 , pastoral finance companies and other registered financial corporations.
Source: ABS Lending Finance, Australia (5671.0).





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