Australian National Accounts: Finance and Wealth

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National, public and private corporations, government and household financial and capital accounts, and household balance sheets.

Reference period

December 2021

Released

31/03/2022

View all releases

Key statistics

Household wealth rose $627.6b (4.5%) to a record $14,676.7b
Demand for credit was $123.2b, a decrease of $11.9b
Australia's net lending position fell $9.0b to $6.3b
Capital investment as a proportion of GDP fell to 22.8%

Main features

Financing resources and investment table

Financing resources and investment December quarter 2021, original, current prices, $b
			Non-financial corps	Financial corps	Government	Households	Total national	Rest of world
Financing resources
	Net saving (a)		35.0	-3.2	-14.0	41.3	59.1	-8.9
	plus Consumption of fixed capital		44.9	3.2	11.4	32.8	92.4	-
	Gross saving		80.0	-0.1	-2.6	74.2	151.5	-8.9
	plus Net capital transfers		0.7	0.0	-2.6	1.7	-0.2	0.2
	less Statistical discrepancy (b)		-	-	-	-	3.2	-
	Total financing resources		80.7	-0.1	-5.2	75.9	148.1	-8.7
Uses of financing (investment)
	Capital formation
		Gross fixed capital formation	57.8	3.1	22.9	49.1	133.0	-
		plus Changes in inventories	3.7	0.0	1.0	1.8	6.4	-
		plus Net acquisition of non-produced non-financial assets	1.4	-	-1.4	-	-	-
		Total capital formation	62.9	3.1	22.5	50.9	139.4	-
	plus Financial investment
		Aquistition of financial assets	28.1	137.8	-0.2	84.3	39.5	33.2
		less Incurrence of financial liabilities	45.4	118.0	22.6	57.7	33.2	39.5
		Net Financial investment (Net lending (+) / net borrowing (-))	-17.3	19.9	-22.8	26.6	6.3	-6.3
	less Net errors and omissions		-35.1	23.0	4.9	1.6	-2.4	2.4
	Total investment		80.7	-0.1	-5.2	75.9	148.1	-8.7

- nil or rounded to zero
(a) Net saving for the rest of world is the balance on the external income account.
(b) The statistical discrepancy is not able to be distributed among the sectors.

Financial market summary table

Financial market summary, $b
		Amounts outstanding, Sep-21	Transactions, Dec-21	Other changes, Dec-21	Amounts outstanding, Dec-21
Currency and deposits
	Currency	103.3	3.8	-	107.0
	Transferable deposits	2,088.3	94.4	-0.9	2,181.8
	Other deposits	1,378.5	6.9	-1.4	1,384.0
Short term debt securities
	Bills of exchange	9.8	-1.4	-	8.3
	One name paper	461.1	57.7	-1.7	517.2
Long term debt securities
	Bonds, etc.	3,219.1	58.3	-65.2	3,212.2
Derivatives
	Derivatives	697.2	-134.2	150.7	713.6
Loans and placements
	Short term	394.1	9.7	-0.2	403.6
	Long term	4,235.8	77.7	-1.2	4,312.3
Shares and other equity
	Listed	2,555.8	17.6	72.5	2,645.9
	Unlisted	5,496.9	79.1	66.3	5,642.3
Insurance technical reserves
	Reserves of pension funds and life	3,185.7	24.6	70.2	3,280.4
	General insurance payments	151.2	4.0	0.0	155.2

- nil or rounded to zero

Flow of funds diagrams

Net transactions during December quarter 2021

Image

This is a flowchart that shows the intersectoral financial flows of net transactions during the December quarter 2021.

Description

Financial corporations borrowed $17.9b from household and $1.0b from rest of world. They lent $23.9b to non-financial corporation and $11.2b to general government. Rest of the world borrowed $8.2b from general government and $1.0b from non-financial corporations. They lent $0.2b to households. General government borrowed $15.6b from non-financial corporations and $2.4b from households. Households lent $5.0b to non-financial corporations.

Amounts outstanding at end of December quarter 2021

Image

This is a flowchart that shows the intersectoral financial flows of amounts outstanding at the end of the December quarter 2021.

Description

Net claims on non-financial corporations were $1,214.1b from financial corporations, $796.8b from households, $1,037.1b from rest of world and $403.3b from general government. Net claims on general government were $459.9b from financial corporations, $256.4b from rest of world and $514.6b from households. Net claims on rest of world were $187.2b from financial corporations and $179.7b from households. Net claims on financial corporations were $2,567.8b from households.

National investment

National investment rose $19.2b to $139.4b in the December quarter.

General government investment increased $2.6b to $22.5b, driven by state and local general government gross fixed capital formation.
Non-financial corporations' investment increased $10.0b to $62.9b, driven by gross fixed capital formation and build up of inventories by private non-financial corporations.
Household investment increased by $6.4b to $50.9b, driven by gross fixed capital formation and build up of inventories.

Financial investment

Australia was a net lender of $6.3b to rest of world (ROW). The main contributors were a:

$59.9b acquisition in ROW equity assets, driven by pension funds, other private non-financial corporations (OPNFC) and non-money market funds.
offset by $46.0b purchase of Australian debt securities by ROW, driven mainly by one name paper issued by authorised deposit taking institutions (ADI).

Pension funds, OPNFC and non-money market funds continued to invest in overseas equity markets. ADIs sourced funding from offshore debt markets through issuance of short-term debt securities.

Households

Households' $26.6b net lending position was due to a $84.3b acquisition of financial assets, partly offset by a $57.7b incurrence of liabilities.
The acquisition of assets was driven by:

$45.7b in deposits
$28.1b in net equity in pension funds

While liabilities were driven by:

$54.6b in loan borrowings

Deposits assets continued to grow, though at a reduced pace as spending increased following the easing of COVID-19 related restrictions and seasonal holiday spending. Acquisition of net equity in pension funds reflected continued growth in employment. Increased activity in the property market saw continued strength in demand for housing loans by owner-occupiers and investors.

Non-financial corporations

Non-financial corporations' $17.3b net borrowing position was due to a $28.1b acquisition of financial assets, offset by $45.4b incurrence of liabilities. Liabilities were driven by:

$41.8b in equity raising
$1.2b in loan borrowing

Businesses sought to raise funds through equities markets with continued investor demand from ROW. Loans from ADIs continued to strengthen as private businesses borrowed to fund operations as economic activity increased resulting from eased restrictions and resumption of interstate travel.

General government

General government's $22.8b net borrowing position was due to a $0.2b disposal of assets and a $22.6b incurrence of liabilities.
Assets were driven by:

$11.8b sale of equity holdings

While liabilities were driven by:

$10.4b net issuance of bonds
$6.5b net issuance of short term debt securities

Sale of equity assets were driven by privatisation activity during the quarter. Bonds issued by the Commonwealth government were modest reflecting decreased social assistance benefits paid to residents associated with the decline in COVID-19 outbreaks and reopening of state borders.

Net financial investment (net lending (+) / borrowing (-))
	National net financial investment ($b)	Non-financial corporations ($b)	Financial corporations ($b)	General government ($b)	Households ($b)
Dec-08	-8.4	-36.5	-15.7	-6.9	50.7
Mar-09	-7.2	-10.9	-1.0	-1.6	6.3
Jun-09	-14.8	14.2	-30.0	-18.2	19.1
Sep-09	-18.9	-29.7	31.1	-29.4	9.2
Dec-09	-23.2	-6.2	-3.1	-18.9	5.0
Mar-10	-20.4	1.1	-18.5	-13.8	10.8
Jun-10	-6.4	21.7	-10.1	-11.2	-6.8
Sep-10	-11.6	-6.1	10.5	-25.1	9.2
Dec-10	-13.7	-6.4	9.2	-15.2	-1.4
Mar-11	-12.9	14.1	5.7	-17.3	-15.4
Jun-11	-8.0	-0.5	9.0	-20.2	3.6
Sep-11	-11.0	-11.0	4.5	-30.5	26.1
Dec-11	-13.7	1.3	-3.2	-14.7	3.0
Mar-12	-16.4	-34.8	20.8	-11.2	8.8
Jun-12	-10.1	2.9	-21.0	-32.2	40.3
Sep-12	-19.4	-4.9	-10.7	-26.2	22.4
Dec-12	-18.0	-13.4	-2.0	-11.1	8.5
Mar-13	-10.9	-33.3	23.1	-17.3	16.6
Jun-13	-11.7	-40.0	14.1	-11.3	25.6
Sep-13	-17.9	-14.5	-16.0	-21.1	33.6
Dec-13	-10.4	-40.8	22.4	-9.0	17.0
Mar-14	-9.5	-16.5	9.7	-11.7	9.1
Jun-14	-9.9	-23.5	20.3	-12.2	5.5
Sep-14	-17.1	-8.7	-20.0	-18.7	30.2
Dec-14	-15.2	-1.2	-27.7	-13.8	27.5
Mar-15	-9.1	-12.2	-0.4	-4.8	8.2
Jun-15	-20.9	-33.4	5.0	-4.4	11.9
Sep-15	-26.0	-48.2	-4.5	-16.3	43.0
Dec-15	-25.2	-39.5	1.9	-5.4	17.8
Mar-16	-13.2	-23.0	16.1	-10.3	4.1
Jun-16	-19.0	6.6	-31.5	-7.9	13.9
Sep-16	-15.1	-7.4	-1.4	-21.8	15.6
Dec-16	-4.0	4.2	-13.4	-19.4	24.6
Mar-17	-4.5	-17.5	11.3	2.3	-0.7
Jun-17	-12.3	23.7	-31.5	-12.3	7.7
Sep-17	-15.0	-11.1	-10.0	-17.8	23.9
Dec-17	-18.5	-7.7	-22.2	-3.0	14.4
Mar-18	-10.6	-25.3	6.9	-0.3	8.2
Jun-18	-12.6	-10.2	-15.8	-0.4	13.8
Sep-18	-13.3	-26.9	-2.1	-18.6	34.3
Dec-18	-3.5	-7.4	2.0	-10.4	12.3
Mar-19	-2.5	-21.5	1.7	-3.3	20.5
Jun-19	6.8	12.4	-17.1	-12.9	24.4
Sep-19	4.1	-0.4	-29.0	-25.5	59.0
Dec-19	6.0	-10.6	1.7	-12.7	27.7
Mar-20	8.2	-8.2	14.4	-17.8	19.8
Jun-20	18.9	46.1	3.9	-95.9	64.9
Sep-20	3.8	32.9	9.9	-119.8	80.9
Dec-20	17.7	31.5	1.1	-51.6	36.7
Mar-21	17.3	0.9	17.3	-8.8	8.0
Jun-21	28.2	33.7	-8.6	-17.9	21.0
Sep-21	15.3	-19.5	14.2	-46.0	66.6
Dec-21	6.3	-17.3	19.9	-22.8	26.6

Net financial investment (net lending (+) / borrowing (-))

["","National net financial investment","Non-financial\u00a0corporations","Financial\u00a0corporations","General\u00a0government","Households"]

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Demand for credit

Demand for credit table

Demand for credit non-financial domestic sectors, $b
		Credit market outstandings, Sep-21	Demand for credit, Dec-21	Other changes, Dec-21	Credit market outstandings, Dec-21
Non-financial corporations
	Investment funds	516.8	11.4	22.1	550.3
	Other private	3,987.8	37.0	63.7	4,088.5
	Public	157.9	2.2	-7.8	152.3
General government
	National	926.8	16.3	-21.6	921.5
	State and local	326.1	2.0	-0.2	327.9
Households		2,530.8	54.4	0.6	2,585.7
Total		8,446.2	123.2	56.7	8,626.2

- nil or rounded to zero

Demand for credit was $123.2b in the December quarter, of which:

households borrowed $54.4b
other private non-financial corporations borrowed $37.0b
general government borrowed $18.3b

Credit market outstanding grew $179.9b (2.1%) of which $56.7b was revaluation gains. The stock market drove $70.7b of holding gains in shares of other private non-financial corporations while rising bond yields resulted in holding losses on Commonwealth government bonds of $21.6b.

Households

Household demand for credit was the highest on record, driven by demand for new housing loans as easing COVID-19 restrictions in NSW, Victoria and the ACT spurred increased housing market activity. This was supported by borrowing by unincorporated businesses as business confidence grew. Growth in short term loan borrowing reflects a pick up in consumer spending in the December quarter coinciding with the ending of lockdowns. This resulted in:

$52.9b of long term loan borrowings
$1.7b of short term loan borrowings

Private non-financial corporations

Significant equity raising was undertaken by corporations on the stock market this quarter to help fund elevated merger and acquisition activity. Reinvested earnings also contributed to strength in equity capital investment by non-residents. Strong export revenue on energy and mineral resources drove large operating surpluses for some foreign owned companies which were predominantly retained and reinvested by these businesses. Business credit grew in the December quarter mostly driven by loan borrowing from ADIs but this was partly offset by repayment of loans to rest of the world. Funds of other private non-financial corporations were sourced through:

equity raising of $37.0b
loan borrowings of $293m

General government

The government's funding requirements fell in the December quarter in line with decreased government support payments coinciding with lifting of COVID-19 restrictions in NSW, Victoria and the ACT. The pace of issuance by the Australian Office of Financial Management and the state and territory borrowing authorities slowed as a result. This was reflected in:

$10.2b bond issuance and $6.1b Treasury note issuance by national general government
$2.0b in loan borrowings by state and local general governments

Demand for credit by sector
	Other private non-financial corporations ($b)	Households ($b)	General government ($b)	Other ($b)
Dec-08	42.0	9.1	8.7	8.0
Mar-09	16.8	10.8	13.7	3.4
Jun-09	3.5	26.9	27.9	2.2
Sep-09	18.8	26.1	18.0	4.3
Dec-09	6.7	22.7	13.8	1.2
Mar-10	2.6	18.2	20.6	-0.2
Jun-10	0.8	29.2	21.0	7.5
Sep-10	15.4	16.9	18.6	6.5
Dec-10	20.2	23.3	12.3	-1.9
Mar-11	6.4	21.4	18.1	2.6
Jun-11	6.1	27.2	19.0	-1.5
Sep-11	30.8	7.4	28.2	2.1
Dec-11	-4.6	16.7	21.4	6.3
Mar-12	28.1	11.6	16.7	2.2
Jun-12	16.3	23.0	12.9	1.7
Sep-12	16.3	1.9	28.7	5.1
Dec-12	15.4	14.8	10.9	5.5
Mar-13	23.2	11.8	10.2	2.7
Jun-13	37.1	26.9	-9.1	2.0
Sep-13	24.5	4.3	29.8	0.5
Dec-13	35.4	30.3	20.4	7.3
Mar-14	8.2	18.7	20.9	4.6
Jun-14	31.6	34.2	9.2	11.0
Sep-14	33.7	19.8	23.9	-5.5
Dec-14	35.3	26.2	12.7	5.9
Mar-15	42.6	25.0	17.7	8.5
Jun-15	26.1	39.2	1.5	9.0
Sep-15	38.9	18.2	37.8	4.5
Dec-15	33.4	23.1	0.4	6.5
Mar-16	30.7	25.3	23.5	4.7
Jun-16	11.1	34.7	4.4	4.9
Sep-16	21.1	28.6	25.5	5.0
Dec-16	57.0	20.7	14.2	-11.9
Mar-17	5.7	21.6	18.8	4.4
Jun-17	37.3	40.6	19.0	1.1
Sep-17	33.2	18.2	4.4	5.2
Dec-17	31.2	28.1	16.1	5.6
Mar-18	39.2	19.6	5.7	2.9
Jun-18	14.3	27.5	10.1	2.5
Sep-18	67.3	13.9	5.5	8.8
Dec-18	8.4	19.7	7.0	3.1
Mar-19	43.7	10.2	2.4	6.0
Jun-19	40.8	16.4	15.0	-2.1
Sep-19	12.8	-7.2	27.0	9.4
Dec-19	18.8	19.4	13.5	5.4
Mar-20	53.3	2.4	38.0	5.9
Jun-20	-6.6	15.9	138.0	10.5
Sep-20	-1.3	8.5	145.3	7.7
Dec-20	0.2	23.0	29.8	10.2
Mar-21	10.8	26.3	10.5	2.3
Jun-21	1.9	44.4	8.3	19.8
Sep-21	40.7	36.7	48.9	8.9
Dec-21	37.0	54.4	18.3	13.6

Demand for credit by sector

["","Other private non-financial corporations","Households","General government","Other"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[42],[16.800000000000001],[3.5],[18.800000000000001],[6.7000000000000002],[2.6000000000000001],[0.80000000000000004],[15.4],[20.199999999999999],[6.4000000000000004],[6.0999999999999996],[30.800000000000001],[-4.5999999999999996],[28.100000000000001],[16.300000000000001],[16.300000000000001],[15.4],[23.199999999999999],[37.100000000000001],[24.5],[35.399999999999999],[8.1999999999999993],[31.600000000000001],[33.700000000000003],[35.299999999999997],[42.600000000000001],[26.100000000000001],[38.899999999999999],[33.399999999999999],[30.699999999999999],[11.1],[21.100000000000001],[57],[5.7000000000000002],[37.299999999999997],[33.200000000000003],[31.199999999999999],[39.200000000000003],[14.300000000000001],[67.299999999999997],[8.4000000000000004],[43.700000000000003],[40.799999999999997],[12.800000000000001],[18.800000000000001],[53.299999999999997],[-6.5999999999999996],[-1.3],[0.20000000000000001],[10.800000000000001],[1.8999999999999999],[40.700000000000003],[37]],[[9.0999999999999996],[10.800000000000001],[26.899999999999999],[26.100000000000001],[22.699999999999999],[18.199999999999999],[29.199999999999999],[16.899999999999999],[23.300000000000001],[21.399999999999999],[27.199999999999999],[7.4000000000000004],[16.699999999999999],[11.6],[23],[1.8999999999999999],[14.800000000000001],[11.800000000000001],[26.899999999999999],[4.2999999999999998],[30.300000000000001],[18.699999999999999],[34.200000000000003],[19.800000000000001],[26.199999999999999],[25],[39.200000000000003],[18.199999999999999],[23.100000000000001],[25.300000000000001],[34.700000000000003],[28.600000000000001],[20.699999999999999],[21.600000000000001],[40.600000000000001],[18.199999999999999],[28.100000000000001],[19.600000000000001],[27.5],[13.9],[19.699999999999999],[10.199999999999999],[16.399999999999999],[-7.2000000000000002],[19.399999999999999],[2.3999999999999999],[15.9],[8.5],[23],[26.300000000000001],[44.399999999999999],[36.700000000000003],[54.399999999999999]],[[8.6999999999999993],[13.699999999999999],[27.899999999999999],[18],[13.800000000000001],[20.600000000000001],[21],[18.600000000000001],[12.300000000000001],[18.100000000000001],[19],[28.199999999999999],[21.399999999999999],[16.699999999999999],[12.9],[28.699999999999999],[10.9],[10.199999999999999],[-9.0999999999999996],[29.800000000000001],[20.399999999999999],[20.899999999999999],[9.1999999999999993],[23.899999999999999],[12.699999999999999],[17.699999999999999],[1.5],[37.799999999999997],[0.40000000000000002],[23.5],[4.4000000000000004],[25.5],[14.199999999999999],[18.800000000000001],[19],[4.4000000000000004],[16.100000000000001],[5.7000000000000002],[10.1],[5.5],[7],[2.3999999999999999],[15],[27],[13.5],[38],[138],[145.30000000000001],[29.800000000000001],[10.5],[8.3000000000000007],[48.899999999999999],[18.300000000000001]],[[8],[3.3999999999999999],[2.2000000000000002],[4.2999999999999998],[1.2],[-0.20000000000000001],[7.5],[6.5],[-1.8999999999999999],[2.6000000000000001],[-1.5],[2.1000000000000001],[6.2999999999999998],[2.2000000000000002],[1.7],[5.0999999999999996],[5.5],[2.7000000000000002],[2],[0.5],[7.2999999999999998],[4.5999999999999996],[11],[-5.5],[5.9000000000000004],[8.5],[9],[4.5],[6.5],[4.7000000000000002],[4.9000000000000004],[5],[-11.9],[4.4000000000000004],[1.1000000000000001],[5.2000000000000002],[5.5999999999999996],[2.8999999999999999],[2.5],[8.8000000000000007],[3.1000000000000001],[6],[-2.1000000000000001],[9.4000000000000004],[5.4000000000000004],[5.9000000000000004],[10.5],[7.7000000000000002],[10.199999999999999],[2.2999999999999998],[19.800000000000001],[8.9000000000000004],[13.6]]]

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Households

Balance sheet

Household balance sheet, $b
		Amounts outstanding, Sep-21	Transactions, Dec-21	Other changes (a), Dec-21	Holding gains/losses, Dec-21	Amounts outstanding, Dec-21
Non-financial assets
	Land and dwellings	9,408.8	12.0	7.2	478.6	9,906.6
	Other non-financial assets	706.2	6.0	-	6.3	718.5
Financial assets
	Superannuation reserves	3,606.2	31.3	-	64.8	3,702.3
	Shares and other equity	1,206.1	2.3	-	23.1	1,231.5
	Currency and deposits	1,417.8	47.3	-	-0.1	1,465.0
	Other financial assets	382.0	3.4	-	3.7	389.1
Liabilities
	Loans	2,525.5	54.6	-	0.6	2,580.6
	Other liabilities	152.4	3.2	-	-	155.6
Wealth (Net worth)		14,049.1	44.6	7.2	575.8	14,676.7
Memorandum item
	Consumer durables (b)	462.0	8.0	-	-	470.7

- nil or rounded to zero
(a) Not all other changes in volume are separately identifiable. Some have been shown as holding gains.
(b) Consumer durables are not included in net worth.

Financial assets

Household selected financial assets, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets		69.1	6,439.7	107.1	6,612.1	84.3	6,787.8
Deposits		5.6	1,296.2	72.0	1,369.5	45.7	1,415.1
Shares and equity		4.0	1,180.8	-0.9	1,206.1	2.3	1,231.5
Net equity in reserves		40.0	3,121.8	26.1	3,192.5	24.5	3,287.8
	Pension funds	37.2	2,974.1	22.9	3,040.1	28.1	3,135.3
Other assets		19.5	840.9	9.9	844.0	11.8	853.5

Liabilities

Household selected liabilities, $b
	Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities	48.1	2,634.3	40.5	2,678.2	57.7	2,736.4
Short term loans	-0.4	62.1	-4.2	57.9	1.7	59.6
Long term loans	44.8	2,423.1	41.1	2,467.5	52.9	2,521.0
Other liabilities	3.7	149.0	3.6	152.7	3.2	155.8

Household wealth rose 4.5% ($627.6b) to a record $14,676.7b at the end of the December quarter. Household wealth was driven by continued strength in the housing market, increase in deposits accounts and revaluation growth in superannuation assets and shares and other equity.

Wealth per capita increased 3.9% ($21,386) to $566,541 per person.

Non-financial assets

Non-financial assets owned by households increased 5.0% ($510.1b), driven by a:

$489.5b rise in residential land and dwellings

Holding gains on residential land and dwellings reflected the sustained growth in property prices due to low interest rates and increased market activity due to lifting of state specific COVID-19 restrictions.

Financial assets

Financial assets of households rose 2.7% ($175.8b), driven by:

$96.0b rise in superannuation reserves
$45.7b rise in deposits
$25.4b rise in shares and other equity

Revaluations drove the increases in superannuation reserves and shares and other equity reflective of the positive performance of domestic and overseas share markets. Transactions in superannuation ($28.1b) drove further increases, reflecting continued employment growth.

The increase in deposits is in line with continued strength in household savings however growth is weaker than the September quarter as state specific COVID-19 restrictions lifted alleviating saving pressures and increasing spending opportunities.

Liabilities

Household liabilities increased 2.2% ($58.3b), driven by:

$41.8b rise in housing loans
$1.7b rise in short term loans

The growth in housing loans is the strongest since June quarter 2016 and reflects the increased activity in the property market as housing stock levels and clearance rates increased. The rise was mainly driven by owner-occupier loans, which increased $34.3b. Investor loans also contributed $7.5b to the rise, recording a fifth consecutive quarter of positive growth.

Higher levels of retail spending in the months of November and December combined with easing lockdown measures contributed to the increase in short term loans.

Household wealth, contribution to growth, quarterly
	Net worth	Assets: Land and dwellings	Assets: Superannuation	Assets: Equity	Liabilities: Housing loans	Assets: Deposits
Dec-08	-5.5	-3.8	-1.6	-0.6	-0.3	0.6
Mar-09	-0.3	0.3	-0.3	-0.2	-0.4	0.2
Jun-09	5.3	2.9	2.3	0.3	-0.5	0.1
Sep-09	6.5	4	2	0.6	-0.4	0.3
Dec-09	5.8	5	0.8	0	-0.4	0.2
Mar-10	3.5	3.1	0.4	0	-0.3	0.2
Jun-10	-1.8	-0.4	-0.6	-0.4	-0.4	0.1
Sep-10	1.4	0.3	0.7	0.2	-0.3	0.4
Dec-10	1.1	0.4	0.8	0.1	-0.3	0.2
Mar-11	-0.2	-0.2	0.4	0	-0.3	0.1
Jun-11	-0.5	0.1	0	-0.1	-0.2	0
Sep-11	-3.2	-2	-1.1	-0.2	-0.3	0.4
Dec-11	0.1	-0.3	0.2	0.1	-0.2	0.2
Mar-12	1.6	0.4	1	0.3	-0.2	0.2
Jun-12	2.3	0.4	1.9	-0.1	-0.3	0.1
Sep-12	1	-0.2	0.8	0.2	-0.2	0.3
Dec-12	2.7	1.6	0.9	0.2	-0.2	0.2
Mar-13	2.1	0.8	1	0.3	-0.2	0.1
Jun-13	0	1.1	-0.8	0	-0.3	0.1
Sep-13	3	1.2	1.3	0.3	0	0.4
Dec-13	3.3	2.4	0.7	0.1	-0.4	0.3
Mar-14	1.9	1	0.6	0.3	-0.2	0.1
Jun-14	1.6	1.3	0.3	0.2	-0.4	0.1
Sep-14	2.1	1.1	0.7	0.2	-0.3	0.4
Dec-14	3.4	2.2	0.8	0.3	-0.3	0.3
Mar-15	3.3	1.5	1.3	0.4	-0.3	0.2
Jun-15	2.4	2.7	0.1	0	-0.4	0.1
Sep-15	1.4	1.5	-0.3	0	-0.2	0.4
Dec-15	1.8	0.5	0.9	0.4	-0.3	0.2
Mar-16	-0.2	0.1	-0.2	0	-0.3	0.1
Jun-16	3.2	1.6	1.7	0.2	-0.3	0.1
Sep-16	2.5	1.4	0.9	0.3	-0.2	0.3
Dec-16	3.6	2.8	0.5	0.2	-0.2	0.3
Mar-17	2.4	1.7	0.7	0.2	-0.2	0.1
Jun-17	1.6	1.7	0.2	0	-0.3	0
Sep-17	0.3	0.1	0	0.1	-0.2	0.2
Dec-17	2.8	1.7	1	0.3	-0.3	0.1
Mar-18	-0.1	0.2	-0.2	0	-0.2	0.1
Jun-18	0.9	-0.3	1	0.2	-0.2	0
Sep-18	0.3	-0.5	0.5	0.2	-0.2	0.3
Dec-18	-1.9	-0.6	-1	-0.1	-0.2	0.1
Mar-19	0.6	-1.2	1.4	0.3	-0.1	0.1
Jun-19	3	0.7	2.2	0.3	-0.2	0
Sep-19	3.1	2.1	0.6	0.2	-0.1	0.2
Dec-19	2.7	2	0.6	0.1	-0.2	0.1
Mar-20	-2.3	0.9	-2.5	-0.6	-0.1	0.2
Jun-20	2.2	-0.2	1.6	0.3	-0.1	0.3
Sep-20	3.1	2.1	0.3	0.1	-0.1	0.6
Dec-20	5.5	3.3	1.5	0.5	-0.2	0.2
Mar-21	4.5	3.8	0.5	0.2	-0.2	0.1
Jun-21	4.6	3.4	0.9	0.3	-0.3	0
Sep-21	5.2	4.2	0.5	0.2	-0.3	0.5
Dec-21	4.5	3.5	0.7	0.2	-0.3	0.3

Household wealth, contribution to growth, quarterly

["","Net worth","Assets: Land and dwellings","Assets: Superannuation","Assets: Equity","Liabilities: Housing loans","Assets: Deposits"]

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Private non-financial corporations

Financial assets

Private non-financial corporations' selected financial assets, $b
	Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets	49.7	1,784.6	30.5	1,806.4	29.9	1,862.9
Deposits	38.5	751.2	0.5	754.9	11.9	766.2
Shares and equity	6.3	622.7	19.8	632.4	24.8	673.1
Other accounts receivable	5.6	211.2	3.7	209.0	-5.0	214.3
Other assets	-0.6	199.5	6.5	210.2	-1.7	209.4

Liabilities

Private non-financial corporations' selected liabilities, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities		13.7	4,634.9	54.0	4,699.7	46.9	4,831.4
Total debt securities		-3.3	292.4	-4.9	295.3	0.5	289.0
Loans		4.5	922.2	16.7	935.3	6.1	940.4
	Authorised deposit taking institutions	2.9	581.0	13.3	596.3	20.2	616.0
	Rest of world	-0.3	249.6	0.6	244.6	-12.2	231.9
Shares and equity		8.1	3,189.4	38.4	3,232.3	41.8	3,367.6
	Households	4.5	767.7	0.6	777.0	5.0	796.5
	Rest of world	8.5	1,187.2	34.0	1,208.9	27.9	1,258.8
Other liabilities		4.4	230.9	3.8	236.8	-1.6	234.4

Private non-financial corporations demand for credit of $46.9b, was driven by:

$41.8b raising of equity,
$6.1b borrowing of loans, and
$0.5b issuance of debt securities

Private non-financial corporations' demand for credit
	Total liabilities ($b)	Debt securities ($b)	Loans ($b)	Equities ($b)
Dec-08	45.8	6.9	15.3	21.0
Mar-09	7.2	12.6	-21.6	25.3
Jun-09	-12.4	7.1	-29.8	27.6
Sep-09	30.3	1.6	-11.2	30.1
Dec-09	6.7	1.8	-7.2	11.3
Mar-10	-0.1	0.8	-9.8	8.1
Jun-10	8.6	-1.3	-7.5	12.7
Sep-10	21.4	8.5	-5.7	15.6
Dec-10	21.8	-4.7	-10.3	35.1
Mar-11	6.3	3.3	6.1	0
Jun-11	0.5	0.6	-6.5	9.6
Sep-11	30.7	6.9	16.4	5.8
Dec-11	6.3	7.2	-1.1	-5.9
Mar-12	28.2	10.2	6.9	12.9
Jun-12	21.2	-1.2	13.3	3.9
Sep-12	20.0	6.8	-2.7	13.9
Dec-12	18.1	6.0	1.3	11.7
Mar-13	24.3	3.7	11.4	12.6
Jun-13	37.1	-1.9	17.4	23.5
Sep-13	24.3	8.9	0.7	13.6
Dec-13	43.2	1.0	16.0	23.8
Mar-14	12.2	-3.8	3.9	12.7
Jun-14	29.9	-5.3	19.5	21.0
Sep-14	40.5	6.1	8.8	19.0
Dec-14	32.0	-7.3	8.6	31.3
Mar-15	45.6	5.0	25.3	17.9
Jun-15	39.3	10.6	-1.2	26.5
Sep-15	47.4	-7.0	29.5	19.4
Dec-15	37.0	7.3	12.6	18.8
Mar-16	34.9	4.4	16.4	13.9
Jun-16	13.9	-8.8	2.3	16.7
Sep-16	31.6	-7.4	11.5	23.1
Dec-16	61.7	1.3	12.7	45.8
Mar-17	18.8	-10.2	3.6	16.5
Jun-17	49.0	6.8	5.0	30.5
Sep-17	49.0	-3.8	9.7	33.5
Dec-17	30.1	-6.4	8.2	31.0
Mar-18	47.2	3.7	16.0	23.7
Jun-18	14.1	8.1	-14.5	21.2
Sep-18	78.7	-0.8	31.1	45.7
Dec-18	6.3	-4.4	6.3	5.9
Mar-19	44.7	-4.1	28.7	22.6
Jun-19	30.6	3.8	2.5	29.1
Sep-19	26.6	-1.0	7.3	12.6
Dec-19	18.9	-0.8	1.0	24.1
Mar-20	60.4	-5.8	48.7	11.8
Jun-20	-4.9	-1.3	-27.9	32.2
Sep-20	10.5	-8.7	-6.9	22.9
Dec-20	6.0	-17.5	-9.9	32.6
Mar-21	19.2	1.7	9.4	3.7
Jun-21	13.7	-3.3	4.5	8.1
Sep-21	54.0	-4.9	16.7	38.4
Dec-21	46.9	0.5	6.1	41.8

Private non-financial corporations' demand for credit

["","Total liabilities","Debt securities","Loans","Equities"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[45.799999999999997],[7.2000000000000002],[-12.4],[30.300000000000001],[6.7000000000000002],[-0.10000000000000001],[8.5999999999999996],[21.399999999999999],[21.800000000000001],[6.2999999999999998],[0.5],[30.699999999999999],[6.2999999999999998],[28.199999999999999],[21.199999999999999],[20],[18.100000000000001],[24.300000000000001],[37.100000000000001],[24.300000000000001],[43.200000000000003],[12.199999999999999],[29.899999999999999],[40.5],[32],[45.600000000000001],[39.299999999999997],[47.399999999999999],[37],[34.899999999999999],[13.9],[31.600000000000001],[61.700000000000003],[18.800000000000001],[49],[49],[30.100000000000001],[47.200000000000003],[14.1],[78.700000000000003],[6.2999999999999998],[44.700000000000003],[30.600000000000001],[26.600000000000001],[18.899999999999999],[60.399999999999999],[-4.9000000000000004],[10.5],[6],[19.199999999999999],[13.699999999999999],[54],[46.899999999999999]],[[6.9000000000000004],[12.6],[7.0999999999999996],[1.6000000000000001],[1.8],[0.80000000000000004],[-1.3],[8.5],[-4.7000000000000002],[3.2999999999999998],[0.59999999999999998],[6.9000000000000004],[7.2000000000000002],[10.199999999999999],[-1.2],[6.7999999999999998],[6],[3.7000000000000002],[-1.8999999999999999],[8.9000000000000004],[1],[-3.7999999999999998],[-5.2999999999999998],[6.0999999999999996],[-7.2999999999999998],[5],[10.6],[-7],[7.2999999999999998],[4.4000000000000004],[-8.8000000000000007],[-7.4000000000000004],[1.3],[-10.199999999999999],[6.7999999999999998],[-3.7999999999999998],[-6.4000000000000004],[3.7000000000000002],[8.0999999999999996],[-0.80000000000000004],[-4.4000000000000004],[-4.0999999999999996],[3.7999999999999998],[-1],[-0.80000000000000004],[-5.7999999999999998],[-1.3],[-8.6999999999999993],[-17.5],[1.7],[-3.2999999999999998],[-4.9000000000000004],[0.5]],[[15.300000000000001],[-21.600000000000001],[-29.800000000000001],[-11.199999999999999],[-7.2000000000000002],[-9.8000000000000007],[-7.5],[-5.7000000000000002],[-10.300000000000001],[6.0999999999999996],[-6.5],[16.399999999999999],[-1.1000000000000001],[6.9000000000000004],[13.300000000000001],[-2.7000000000000002],[1.3],[11.4],[17.399999999999999],[0.69999999999999996],[16],[3.8999999999999999],[19.5],[8.8000000000000007],[8.5999999999999996],[25.300000000000001],[-1.2],[29.5],[12.6],[16.399999999999999],[2.2999999999999998],[11.5],[12.699999999999999],[3.6000000000000001],[5],[9.6999999999999993],[8.1999999999999993],[16],[-14.5],[31.100000000000001],[6.2999999999999998],[28.699999999999999],[2.5],[7.2999999999999998],[1],[48.700000000000003],[-27.899999999999999],[-6.9000000000000004],[-9.9000000000000004],[9.4000000000000004],[4.5],[16.699999999999999],[6.0999999999999996]],[[21],[25.300000000000001],[27.600000000000001],[30.100000000000001],[11.300000000000001],[8.0999999999999996],[12.699999999999999],[15.6],[35.100000000000001],[0],[9.5999999999999996],[5.7999999999999998],[-5.9000000000000004],[12.9],[3.8999999999999999],[13.9],[11.699999999999999],[12.6],[23.5],[13.6],[23.800000000000001],[12.699999999999999],[21],[19],[31.300000000000001],[17.899999999999999],[26.5],[19.399999999999999],[18.800000000000001],[13.9],[16.699999999999999],[23.100000000000001],[45.799999999999997],[16.5],[30.5],[33.5],[31],[23.699999999999999],[21.199999999999999],[45.700000000000003],[5.9000000000000004],[22.600000000000001],[29.100000000000001],[12.6],[24.100000000000001],[11.800000000000001],[32.200000000000003],[22.899999999999999],[32.600000000000001],[3.7000000000000002],[8.0999999999999996],[38.399999999999999],[41.799999999999997]]]

[]

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Private non-financial corporations favoured equity raising over debt issuance to source funds, supported by strong reinvested earnings and equity raising on the Australian Securities Exchange. This resulted in:

debt to equity ratio (adjusted for price changes) decreased to 0.64

The debt to equity ratio is at its lowest level since March 2005, as businesses have deleveraged to strengthen their balance sheet positions. Businesses have maintained strong liquidity buffers through continued deposit growth since the onset of the pandemic This was supported by strong gross operating surplus for businesses as economic activity and consumption increased following the easing of COVID-19 related restrictions and resumption of interstate travel during the quarter.

Private non-financial corporations' debt to equity ratio
	Debt to equity ratio, adjusted for price changes, December 2001 base	Debt to equity ratio
Dec-01	0.58	0.58
Mar-02	0.57	0.57
Jun-02	0.58	0.60
Sep-02	0.58	0.62
Dec-02	0.59	0.59
Mar-03	0.58	0.59
Jun-03	0.58	0.57
Sep-03	0.57	0.54
Dec-03	0.57	0.52
Mar-04	0.57	0.50
Jun-04	0.58	0.50
Sep-04	0.58	0.48
Dec-04	0.61	0.48
Mar-05	0.62	0.48
Jun-05	0.70	0.52
Sep-05	0.71	0.50
Dec-05	0.73	0.51
Mar-06	0.74	0.50
Jun-06	0.76	0.52
Sep-06	0.77	0.52
Dec-06	0.80	0.51
Mar-07	0.82	0.50
Jun-07	0.82	0.49
Sep-07	0.87	0.51
Dec-07	0.90	0.54
Mar-08	0.91	0.60
Jun-08	0.93	0.60
Sep-08	0.95	0.69
Dec-08	0.95	0.81
Mar-09	0.91	0.79
Jun-09	0.85	0.70
Sep-09	0.83	0.63
Dec-09	0.82	0.60
Mar-10	0.80	0.60
Jun-10	0.79	0.64
Sep-10	0.79	0.60
Dec-10	0.75	0.55
Mar-11	0.76	0.55
Jun-11	0.74	0.56
Sep-11	0.76	0.63
Dec-11	0.77	0.64
Mar-12	0.78	0.61
Jun-12	0.79	0.65
Sep-12	0.79	0.64
Dec-12	0.78	0.62
Mar-13	0.79	0.61
Jun-13	0.78	0.65
Sep-13	0.78	0.62
Dec-13	0.78	0.63
Mar-14	0.77	0.62
Jun-14	0.77	0.62
Sep-14	0.77	0.63
Dec-14	0.76	0.63
Mar-15	0.77	0.62
Jun-15	0.76	0.64
Sep-15	0.77	0.67
Dec-15	0.77	0.66
Mar-16	0.78	0.65
Jun-16	0.77	0.63
Sep-16	0.76	0.60
Dec-16	0.75	0.60
Mar-17	0.75	0.58
Jun-17	0.74	0.58
Sep-17	0.74	0.58
Dec-17	0.72	0.54
Mar-18	0.73	0.56
Jun-18	0.71	0.53
Sep-18	0.71	0.53
Dec-18	0.71	0.56
Mar-19	0.72	0.53
Jun-19	0.70	0.51
Sep-19	0.71	0.51
Dec-19	0.70	0.50
Mar-20	0.72	0.60
Jun-20	0.69	0.53
Sep-20	0.67	0.51
Dec-20	0.65	0.47
Mar-21	0.65	0.47
Jun-21	0.65	0.45
Sep-21	0.65	0.45
Dec-21	0.64	0.43

Private non-financial corporations' debt to equity ratio

["","Debt\u00a0to\u00a0equity\u00a0ratio,\u00a0adjusted\u00a0for\u00a0price\u00a0changes,\u00a0December 2001 base","Debt\u00a0to\u00a0equity\u00a0ratio"]

[["Dec-01","Mar-02","Jun-02","Sep-02","Dec-02","Mar-03","Jun-03","Sep-03","Dec-03","Mar-04","Jun-04","Sep-04","Dec-04","Mar-05","Jun-05","Sep-05","Dec-05","Mar-06","Jun-06","Sep-06","Dec-06","Mar-07","Jun-07","Sep-07","Dec-07","Mar-08","Jun-08","Sep-08","Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[0.57999999999999996],[0.56999999999999995],[0.57999999999999996],[0.57999999999999996],[0.58999999999999997],[0.57999999999999996],[0.57999999999999996],[0.56999999999999995],[0.56999999999999995],[0.56999999999999995],[0.57999999999999996],[0.57999999999999996],[0.60999999999999999],[0.62],[0.69999999999999996],[0.70999999999999996],[0.72999999999999998],[0.73999999999999999],[0.76000000000000001],[0.77000000000000002],[0.80000000000000004],[0.81999999999999995],[0.81999999999999995],[0.87],[0.90000000000000002],[0.91000000000000003],[0.93000000000000005],[0.94999999999999996],[0.94999999999999996],[0.91000000000000003],[0.84999999999999998],[0.82999999999999996],[0.81999999999999995],[0.80000000000000004],[0.79000000000000004],[0.79000000000000004],[0.75],[0.76000000000000001],[0.73999999999999999],[0.76000000000000001],[0.77000000000000002],[0.78000000000000003],[0.79000000000000004],[0.79000000000000004],[0.78000000000000003],[0.79000000000000004],[0.78000000000000003],[0.78000000000000003],[0.78000000000000003],[0.77000000000000002],[0.77000000000000002],[0.77000000000000002],[0.76000000000000001],[0.77000000000000002],[0.76000000000000001],[0.77000000000000002],[0.77000000000000002],[0.78000000000000003],[0.77000000000000002],[0.76000000000000001],[0.75],[0.75],[0.73999999999999999],[0.73999999999999999],[0.71999999999999997],[0.72999999999999998],[0.70999999999999996],[0.70999999999999996],[0.70999999999999996],[0.71999999999999997],[0.69999999999999996],[0.70999999999999996],[0.69999999999999996],[0.71999999999999997],[0.68999999999999995],[0.67000000000000004],[0.65000000000000002],[0.65000000000000002],[0.65000000000000002],[0.65000000000000002],[0.64000000000000001]],[[0.57999999999999996],[0.56999999999999995],[0.59999999999999998],[0.62],[0.58999999999999997],[0.58999999999999997],[0.56999999999999995],[0.54000000000000004],[0.52000000000000002],[0.5],[0.5],[0.47999999999999998],[0.47999999999999998],[0.47999999999999998],[0.52000000000000002],[0.5],[0.51000000000000001],[0.5],[0.52000000000000002],[0.52000000000000002],[0.51000000000000001],[0.5],[0.48999999999999999],[0.51000000000000001],[0.54000000000000004],[0.59999999999999998],[0.59999999999999998],[0.68999999999999995],[0.81000000000000005],[0.79000000000000004],[0.69999999999999996],[0.63],[0.59999999999999998],[0.59999999999999998],[0.64000000000000001],[0.59999999999999998],[0.55000000000000004],[0.55000000000000004],[0.56000000000000005],[0.63],[0.64000000000000001],[0.60999999999999999],[0.65000000000000002],[0.64000000000000001],[0.62],[0.60999999999999999],[0.65000000000000002],[0.62],[0.63],[0.62],[0.62],[0.63],[0.63],[0.62],[0.64000000000000001],[0.67000000000000004],[0.66000000000000003],[0.65000000000000002],[0.63],[0.59999999999999998],[0.59999999999999998],[0.57999999999999996],[0.57999999999999996],[0.57999999999999996],[0.54000000000000004],[0.56000000000000005],[0.53000000000000003],[0.53000000000000003],[0.56000000000000005],[0.53000000000000003],[0.51000000000000001],[0.51000000000000001],[0.5],[0.59999999999999998],[0.53000000000000003],[0.51000000000000001],[0.46999999999999997],[0.46999999999999997],[0.45000000000000001],[0.45000000000000001],[0.42999999999999999]]]

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Financial corporations

Financial assets and liabilities

Financial corporations' financial assets, $b
	Amounts outstanding, Sep-21	Transactions, Dec-21	Other changes, Dec-21	Amounts outstanding, Dec-21
Central bank	652.0	34.2	-7.8	678.4
Authorised deposit taking institutions	4,419.1	64.8	46.6	4,530.5
Other broad money institutions	181.0	-2.5	-0.7	177.7
Pension funds	2,865.0	20.4	58.8	2,944.2
Life insurance corporations	191.8	-5.1	2.9	189.6
Non-life insurance corporations	268.4	0.4	-0.6	268.2
Money market investment funds	33.5	3.5	0.0	37.0
Non-money market investment funds	1,152.3	17.0	11.2	1,180.5
Central borrowing authorities	549.5	7.1	-5.5	551.1
Securitisers	706.2	12.2	-0.7	717.8
Other financial corporations	108.2	-24.9	26.7	110.0

- nil or rounded to zero

Financial corporations' liabilities, $b
	Amounts outstanding, Sep-21	Transactions, Dec-21	Other changes, Dec-21	Amounts outstanding, Dec-21
Central bank	652.6	35.5	-8.0	680.1
Authorised deposit taking institutions	4,653.4	50.3	39.9	4,743.6
Other broad money institutions	174.9	-0.1	-14.8	159.9
Pension funds	3,098.3	23.7	64.7	3,186.8
Life insurance corporations	188.2	-5.5	3.0	185.7
Non-life insurance corporations	284.5	1.2	-4.1	281.7
Money market investment funds	33.5	3.2	0.3	37.0
Non-money market investment funds	1,335.3	-10.4	34.2	1,359.1
Central borrowing authorities	526.6	12.3	-7.9	531.0
Securitisers	723.2	14.9	-2.1	736.0
Other financial corporations	207.6	-17.9	24.0	213.7

Authorised deposit-taking institutions (ADIs)

Financial assets

Authorised deposit taking institutions' selected financial assets, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets		-27.1	4,306.5	50.4	4,419.1	64.8	4,530.5
Deposits		132.8	413.1	55.0	468.2	34.3	502.4
Bonds		-134.1	697.2	15.0	714.1	10.2	713.8
	Securitisers	-92.2	314.8	31.1	346.0	15.5	360.9
	National general government	-30.7	110.4	-6.5	104.3	-14.1	88.4
Loans		23.3	2,592.4	54.4	2,652.1	87.2	2,737.3
Other assets		-49.1	603.8	-74.0	584.6	-66.9	576.9

Liabilities

Authorised deposit taking institutions' selected liabilities, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities		-27.1	4,522.1	35.8	4,653.4	50.3	4,743.6
Deposits		41.7	2,704.2	83.5	2,796.8	72.9	2,867.7
	Other private non-fin corps	28.0	696.9	0.5	699.9	10.6	710.0
	Pension funds	4.4	239.4	-7.3	232.5	-4.2	228.1
	Households	5.6	1,275.5	72.1	1,348.1	45.5	1,393.5
Bonds		-0.6	452.6	-14.3	444.0	7.8	443.3
Shares and equities		-0.1	616.4	0.3	641.2	-4.8	622.5
Other liabilities		-68.1	748.8	-33.7	771.4	-25.6	810.2

ADIs continued to sell bonds issued by the national general government to the Reserve Bank of Australia (RBA) in return for deposit assets as part of the RBA's bond purchase program. The RBA’s purchasing of bonds was extended at the reduced rate of $4b per week, reflected in a slower growth of ADI deposits with the central bank. This resulted in a:

$41.0b acquisition in deposits accepted by the central bank
$14.1b sell off of bonds issued by national general government
$15.5b acquisition of bonds issued by securitisers

Change in authorised deposit taking institutions' assets
	Total assets ($b)	Deposits ($b)	Short-term debt ($b)	Bonds ($b)	Derivatives ($b)	Loans ($b)	Other accounts ($b)
Dec-08	-18.3	10.3	-5.9	24.7	-6.2	-52	3.9
Mar-09	8.2	-17.3	-0.6	36.3	-24.9	26	-11.8
Jun-09	47.6	12.4	7.6	29.8	-12	21.4	-10.6
Sep-09	4.6	-18.1	-3.3	3.5	-15.1	28	5.7
Dec-09	17.2	-2.9	-1.3	9.2	-14.1	32.9	-4.9
Mar-10	15.2	2.2	-8.3	5	-11.4	31.4	-0.5
Jun-10	29.3	2.6	-8.4	2.4	-1.7	33.2	1.6
Sep-10	18.6	-3.5	1.8	4.6	-5.1	16.2	-1.9
Dec-10	12	9.4	-3.6	4.2	-19.4	17.3	0.3
Mar-11	40.5	6.1	-3.1	5.5	-15.9	52.9	0.5
Jun-11	28.2	-2.9	-1	12.8	-12.3	31.6	0.3
Sep-11	55	5.4	0.2	22	-2.5	29.1	1.4
Dec-11	-7.8	-17.7	-4.6	-10.7	-0.9	24.5	-2.6
Mar-12	21	-5.3	5.4	28.2	-10.3	-0.7	2.8
Jun-12	21	-6.5	0.9	-6.1	-2.3	34.1	-0.6
Sep-12	3.4	2.1	-0.6	39.5	-16	-24.6	2.2
Dec-12	18.5	-5.7	-0.4	6.9	-10.8	25.7	-2.4
Mar-13	21.1	1.1	-8.3	12.5	-12.1	27.4	1
Jun-13	41.4	-4	-9.6	33.9	0.4	19.6	2.1
Sep-13	2.7	-2.2	0.4	22.7	-40.6	23.3	-2.9
Dec-13	48.7	17.9	-7.7	-3.2	-5.4	33.7	5.1
Mar-14	11.9	-0.1	-9.4	25	-30.5	27.9	1.3
Jun-14	38.2	0.8	5.4	7.8	-24	46.7	1.3
Sep-14	35.6	1.7	-3.7	42.2	-9	6	0.1
Dec-14	37.2	-3.5	3.3	30.8	-2.5	8.5	-1.5
Mar-15	62.8	-1.2	0.5	21.3	-18	54.5	2.3
Jun-15	22.2	-3.2	-6.6	5.4	-49.9	72.2	2.7
Sep-15	53.8	3.2	1.6	16.8	-8.4	39.3	1.5
Dec-15	17.1	3.6	-2.7	15.8	-39.2	35.2	-1.6
Mar-16	1.9	-0.1	4.1	-1.1	-23.6	19.4	2.1
Jun-16	2.6	-0.3	-13.9	20.6	-40	34.3	3
Sep-16	-26.2	-0.5	-6.7	9.2	-56.7	31.1	-0.7
Dec-16	35.9	0.8	1.5	10.2	-33.3	62.9	-3.7
Mar-17	-15.4	3.5	-4.8	8.1	-36.6	14.2	2.5
Jun-17	39.2	0.5	-3.9	-34.7	-17.1	90.2	5.2
Sep-17	-25.5	-1.9	0.3	-20.1	-27.3	23.6	-2.3
Dec-17	-13.5	-1.8	-6.5	14.4	-19.5	2.7	-5.8
Mar-18	31.8	10.7	2.7	2.5	-30.4	47.2	4.3
Jun-18	-7.4	-0.9	0.3	-7.8	-33.3	33.9	-1.8
Sep-18	-45.8	2.5	-13.9	-1.4	-53.2	19.8	0.4
Dec-18	8.1	-0.8	5.3	2.9	-23.2	19.4	1.4
Mar-19	-23.5	0.5	-1.9	0	-28.4	-0.2	4.9
Jun-19	-32	1.5	-5.3	7.4	-33.3	0	-0.2
Sep-19	-21.4	2.8	-3.9	5.2	-43.6	21.6	-0.7
Dec-19	-21.6	2.9	4.1	-7.3	-47.8	24.8	-1.9
Mar-20	205.8	76.3	9.9	210.1	-20.3	-87.5	19.1
Jun-20	-126.2	-22.6	9.1	130.2	-115	-118.3	-3
Sep-20	-61.8	-20.2	-17.1	-31.7	-48.6	29.8	20.2
Dec-20	-44.2	49.9	2	-76.7	-49.1	33.8	-7.1
Mar-21	-1.4	98.7	-11.9	-79.2	-66	59	7.7
Jun-21	-27.1	132.8	-0.2	-134.1	-71	23.3	17.6
Sep-21	50.4	55	-11.2	15	-64.2	54.4	1.5
Dec-21	64.8	34.3	8.7	10.2	-60.6	87.2	-16.7

Change in authorised deposit taking institutions' assets

["","Total assets","Deposits","Short-term debt","Bonds","Derivatives","Loans","Other accounts"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[-18.300000000000001],[8.1999999999999993],[47.600000000000001],[4.5999999999999996],[17.199999999999999],[15.199999999999999],[29.300000000000001],[18.600000000000001],[12],[40.5],[28.199999999999999],[55],[-7.7999999999999998],[21],[21],[3.3999999999999999],[18.5],[21.100000000000001],[41.399999999999999],[2.7000000000000002],[48.700000000000003],[11.9],[38.200000000000003],[35.600000000000001],[37.200000000000003],[62.799999999999997],[22.199999999999999],[53.799999999999997],[17.100000000000001],[1.8999999999999999],[2.6000000000000001],[-26.199999999999999],[35.899999999999999],[-15.4],[39.200000000000003],[-25.5],[-13.5],[31.800000000000001],[-7.4000000000000004],[-45.799999999999997],[8.0999999999999996],[-23.5],[-32],[-21.399999999999999],[-21.600000000000001],[205.80000000000001],[-126.2],[-61.799999999999997],[-44.200000000000003],[-1.3999999999999999],[-27.100000000000001],[50.399999999999999],[64.799999999999997]],[[10.300000000000001],[-17.300000000000001],[12.4],[-18.100000000000001],[-2.8999999999999999],[2.2000000000000002],[2.6000000000000001],[-3.5],[9.4000000000000004],[6.0999999999999996],[-2.8999999999999999],[5.4000000000000004],[-17.699999999999999],[-5.2999999999999998],[-6.5],[2.1000000000000001],[-5.7000000000000002],[1.1000000000000001],[-4],[-2.2000000000000002],[17.899999999999999],[-0.10000000000000001],[0.80000000000000004],[1.7],[-3.5],[-1.2],[-3.2000000000000002],[3.2000000000000002],[3.6000000000000001],[-0.10000000000000001],[-0.29999999999999999],[-0.5],[0.80000000000000004],[3.5],[0.5],[-1.8999999999999999],[-1.8],[10.699999999999999],[-0.90000000000000002],[2.5],[-0.80000000000000004],[0.5],[1.5],[2.7999999999999998],[2.8999999999999999],[76.299999999999997],[-22.600000000000001],[-20.199999999999999],[49.899999999999999],[98.700000000000003],[132.80000000000001],[55],[34.299999999999997]],[[-5.9000000000000004],[-0.59999999999999998],[7.5999999999999996],[-3.2999999999999998],[-1.3],[-8.3000000000000007],[-8.4000000000000004],[1.8],[-3.6000000000000001],[-3.1000000000000001],[-1],[0.20000000000000001],[-4.5999999999999996],[5.4000000000000004],[0.90000000000000002],[-0.59999999999999998],[-0.40000000000000002],[-8.3000000000000007],[-9.5999999999999996],[0.40000000000000002],[-7.7000000000000002],[-9.4000000000000004],[5.4000000000000004],[-3.7000000000000002],[3.2999999999999998],[0.5],[-6.5999999999999996],[1.6000000000000001],[-2.7000000000000002],[4.0999999999999996],[-13.9],[-6.7000000000000002],[1.5],[-4.7999999999999998],[-3.8999999999999999],[0.29999999999999999],[-6.5],[2.7000000000000002],[0.29999999999999999],[-13.9],[5.2999999999999998],[-1.8999999999999999],[-5.2999999999999998],[-3.8999999999999999],[4.0999999999999996],[9.9000000000000004],[9.0999999999999996],[-17.100000000000001],[2],[-11.9],[-0.20000000000000001],[-11.199999999999999],[8.6999999999999993]],[[24.699999999999999],[36.299999999999997],[29.800000000000001],[3.5],[9.1999999999999993],[5],[2.3999999999999999],[4.5999999999999996],[4.2000000000000002],[5.5],[12.800000000000001],[22],[-10.699999999999999],[28.199999999999999],[-6.0999999999999996],[39.5],[6.9000000000000004],[12.5],[33.899999999999999],[22.699999999999999],[-3.2000000000000002],[25],[7.7999999999999998],[42.200000000000003],[30.800000000000001],[21.300000000000001],[5.4000000000000004],[16.800000000000001],[15.800000000000001],[-1.1000000000000001],[20.600000000000001],[9.1999999999999993],[10.199999999999999],[8.0999999999999996],[-34.700000000000003],[-20.100000000000001],[14.4],[2.5],[-7.7999999999999998],[-1.3999999999999999],[2.8999999999999999],[0],[7.4000000000000004],[5.2000000000000002],[-7.2999999999999998],[210.09999999999999],[130.19999999999999],[-31.699999999999999],[-76.700000000000003],[-79.200000000000003],[-134.09999999999999],[15],[10.199999999999999]],[[-6.2000000000000002],[-24.899999999999999],[-12],[-15.1],[-14.1],[-11.4],[-1.7],[-5.0999999999999996],[-19.399999999999999],[-15.9],[-12.300000000000001],[-2.5],[-0.90000000000000002],[-10.300000000000001],[-2.2999999999999998],[-16],[-10.800000000000001],[-12.1],[0.40000000000000002],[-40.600000000000001],[-5.4000000000000004],[-30.5],[-24],[-9],[-2.5],[-18],[-49.899999999999999],[-8.4000000000000004],[-39.200000000000003],[-23.600000000000001],[-40],[-56.700000000000003],[-33.299999999999997],[-36.600000000000001],[-17.100000000000001],[-27.300000000000001],[-19.5],[-30.399999999999999],[-33.299999999999997],[-53.200000000000003],[-23.199999999999999],[-28.399999999999999],[-33.299999999999997],[-43.600000000000001],[-47.799999999999997],[-20.300000000000001],[-115],[-48.600000000000001],[-49.100000000000001],[-66],[-71],[-64.200000000000003],[-60.600000000000001]],[[-52],[26],[21.399999999999999],[28],[32.899999999999999],[31.399999999999999],[33.200000000000003],[16.199999999999999],[17.300000000000001],[52.899999999999999],[31.600000000000001],[29.100000000000001],[24.5],[-0.69999999999999996],[34.100000000000001],[-24.600000000000001],[25.699999999999999],[27.399999999999999],[19.600000000000001],[23.300000000000001],[33.700000000000003],[27.899999999999999],[46.700000000000003],[6],[8.5],[54.5],[72.200000000000003],[39.299999999999997],[35.200000000000003],[19.399999999999999],[34.299999999999997],[31.100000000000001],[62.899999999999999],[14.199999999999999],[90.200000000000003],[23.600000000000001],[2.7000000000000002],[47.200000000000003],[33.899999999999999],[19.800000000000001],[19.399999999999999],[-0.20000000000000001],[0],[21.600000000000001],[24.800000000000001],[-87.5],[-118.3],[29.800000000000001],[33.799999999999997],[59],[23.300000000000001],[54.399999999999999],[87.200000000000003]],[[3.8999999999999999],[-11.800000000000001],[-10.6],[5.7000000000000002],[-4.9000000000000004],[-0.5],[1.6000000000000001],[-1.8999999999999999],[0.29999999999999999],[0.5],[0.29999999999999999],[1.3999999999999999],[-2.6000000000000001],[2.7999999999999998],[-0.59999999999999998],[2.2000000000000002],[-2.3999999999999999],[1],[2.1000000000000001],[-2.8999999999999999],[5.0999999999999996],[1.3],[1.3],[0.10000000000000001],[-1.5],[2.2999999999999998],[2.7000000000000002],[1.5],[-1.6000000000000001],[2.1000000000000001],[3],[-0.69999999999999996],[-3.7000000000000002],[2.5],[5.2000000000000002],[-2.2999999999999998],[-5.7999999999999998],[4.2999999999999998],[-1.8],[0.40000000000000002],[1.3999999999999999],[4.9000000000000004],[-0.20000000000000001],[-0.69999999999999996],[-1.8999999999999999],[19.100000000000001],[-3],[20.199999999999999],[-7.0999999999999996],[7.7000000000000002],[17.600000000000001],[1.5],[-16.699999999999999]]]

[]

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ADI's share of funding from short term debt securities increased this quarter, following ADI’s return to commercial funding in offshore markets to take advantage of favourable issuance conditions. In the December quarter,
ADIs' funding composition compared to the previous quarter comprised of:

63.3% from deposits, remaining steady
9.8% from bonds, a decrease from 10.0%
8.0% from short term debt securities, an increase from 7.3%
13.7% from equities, a decrease from 14.5%

ADI's funding from one name paper grew $43.2b with a:

$8.2b increase of one name paper issued in Australia
$35.0b increase of one name paper issued offshore

ADIs' funding from deposits grew $70.9b with a:

$45.4b increase from households
$22.8b increase from rest of world
$10.2b increase from other private non-financial companies

Authorised deposit taking institutions' sources of funding
	Deposits (%)	Short-term debt securities (%)	Bonds (%)	Equities (%)
Dec-08	52.3	12.7	17.6	11.3
Mar-09	53.6	11.2	18.1	11.9
Jun-09	52.9	12.0	17.1	12.9
Sep-09	52.7	11.0	16.7	16.9
Dec-09	52.7	10.8	18.4	16.7
Mar-10	52.9	10.6	18.3	17.3
Jun-10	53.6	10.5	18.5	14.7
Sep-10	55.0	9.2	17.8	15.5
Dec-10	55.9	9.6	16.9	15.3
Mar-11	56.4	9.6	16.4	15.3
Jun-11	56.6	9.3	16.0	14.5
Sep-11	56.9	9.3	16.3	12.7
Dec-11	57.2	9.5	15.5	13.3
Mar-12	57.0	9.7	15.6	14.0
Jun-12	57.6	9.2	15.1	13.4
Sep-12	58.5	8.3	15.1	14.4
Dec-12	59.3	8.6	14.4	15.0
Mar-13	58.7	8.8	13.9	16.7
Jun-13	57.6	9.6	14.0	16.1
Sep-13	59.0	8.9	14.1	17.1
Dec-13	58.6	8.7	14.2	17.3
Mar-14	58.7	9.1	13.9	17.7
Jun-14	58.5	9.5	13.7	17.3
Sep-14	58.1	9.1	13.8	16.1
Dec-14	57.1	9.4	13.9	16.5
Mar-15	55.8	9.3	13.6	17.7
Jun-15	56.1	9.6	13.9	16.2
Sep-15	55.7	9.1	14.2	14.5
Dec-15	56.6	9.3	14.3	15.9
Mar-16	56.1	8.7	14.1	14.1
Jun-16	56.3	8.5	14.2	13.7
Sep-16	57.4	8.2	13.8	14.3
Dec-16	58.2	8.4	13.3	15.3
Mar-17	58.6	8.5	13.0	16.2
Jun-17	58.7	8.8	12.9	14.9
Sep-17	59.0	9.2	13.0	15.0
Dec-17	59.6	8.8	13.1	15.1
Mar-18	58.6	8.9	13.5	14.0
Jun-18	58.3	8.9	13.6	14.2
Sep-18	59.3	8.1	14.0	14.1
Dec-18	58.5	8.6	13.9	13.0
Mar-19	58.3	8.5	13.6	13.3
Jun-19	57.7	7.7	13.6	14.0
Sep-19	57.5	7.4	13.4	14.1
Dec-19	58.1	8.0	12.9	13.2
Mar-20	55.7	6.8	12.5	9.1
Jun-20	58.4	6.5	11.9	10.5
Sep-20	60.9	6.0	11.4	10.2
Dec-20	60.4	6.4	11.0	12.1
Mar-21	62.1	6.8	10.4	13.6
Jun-21	62.8	6.9	10.5	14.3
Sep-21	63.3	7.3	10.0	14.5
Dec-21	63.3	8.0	9.8	13.7

Authorised deposit taking institutions' sources of funding

["","Deposits","Short-term debt securities","Bonds","Equities"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[52.299999999999997],[53.600000000000001],[52.899999999999999],[52.700000000000003],[52.700000000000003],[52.899999999999999],[53.600000000000001],[55],[55.899999999999999],[56.399999999999999],[56.600000000000001],[56.899999999999999],[57.200000000000003],[57],[57.600000000000001],[58.5],[59.299999999999997],[58.700000000000003],[57.600000000000001],[59],[58.600000000000001],[58.700000000000003],[58.5],[58.100000000000001],[57.100000000000001],[55.799999999999997],[56.100000000000001],[55.700000000000003],[56.600000000000001],[56.100000000000001],[56.299999999999997],[57.399999999999999],[58.200000000000003],[58.600000000000001],[58.700000000000003],[59],[59.600000000000001],[58.600000000000001],[58.299999999999997],[59.299999999999997],[58.5],[58.299999999999997],[57.700000000000003],[57.5],[58.100000000000001],[55.700000000000003],[58.399999999999999],[60.899999999999999],[60.399999999999999],[62.100000000000001],[62.799999999999997],[63.299999999999997],[63.299999999999997]],[[12.699999999999999],[11.199999999999999],[12],[11],[10.800000000000001],[10.6],[10.5],[9.1999999999999993],[9.5999999999999996],[9.5999999999999996],[9.3000000000000007],[9.3000000000000007],[9.5],[9.6999999999999993],[9.1999999999999993],[8.3000000000000007],[8.5999999999999996],[8.8000000000000007],[9.5999999999999996],[8.9000000000000004],[8.6999999999999993],[9.0999999999999996],[9.5],[9.0999999999999996],[9.4000000000000004],[9.3000000000000007],[9.5999999999999996],[9.0999999999999996],[9.3000000000000007],[8.6999999999999993],[8.5],[8.1999999999999993],[8.4000000000000004],[8.5],[8.8000000000000007],[9.1999999999999993],[8.8000000000000007],[8.9000000000000004],[8.9000000000000004],[8.0999999999999996],[8.5999999999999996],[8.5],[7.7000000000000002],[7.4000000000000004],[8],[6.7999999999999998],[6.5],[6],[6.4000000000000004],[6.7999999999999998],[6.9000000000000004],[7.2999999999999998],[8]],[[17.600000000000001],[18.100000000000001],[17.100000000000001],[16.699999999999999],[18.399999999999999],[18.300000000000001],[18.5],[17.800000000000001],[16.899999999999999],[16.399999999999999],[16],[16.300000000000001],[15.5],[15.6],[15.1],[15.1],[14.4],[13.9],[14],[14.1],[14.199999999999999],[13.9],[13.699999999999999],[13.800000000000001],[13.9],[13.6],[13.9],[14.199999999999999],[14.300000000000001],[14.1],[14.199999999999999],[13.800000000000001],[13.300000000000001],[13],[12.9],[13],[13.1],[13.5],[13.6],[14],[13.9],[13.6],[13.6],[13.4],[12.9],[12.5],[11.9],[11.4],[11],[10.4],[10.5],[10],[9.8000000000000007]],[[11.300000000000001],[11.9],[12.9],[16.899999999999999],[16.699999999999999],[17.300000000000001],[14.699999999999999],[15.5],[15.300000000000001],[15.300000000000001],[14.5],[12.699999999999999],[13.300000000000001],[14],[13.4],[14.4],[15],[16.699999999999999],[16.100000000000001],[17.100000000000001],[17.300000000000001],[17.699999999999999],[17.300000000000001],[16.100000000000001],[16.5],[17.699999999999999],[16.199999999999999],[14.5],[15.9],[14.1],[13.699999999999999],[14.300000000000001],[15.300000000000001],[16.199999999999999],[14.9],[15],[15.1],[14],[14.199999999999999],[14.1],[13],[13.300000000000001],[14],[14.1],[13.199999999999999],[9.0999999999999996],[10.5],[10.199999999999999],[12.1],[13.6],[14.300000000000001],[14.5],[13.699999999999999]]]

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Pension (superannuation) funds

Financial assets

Pension (superannuation) funds' selected financial assets, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets		37.3	2,808.6	18.3	2,865.0	20.4	2,944.2
Deposits		5.7	251.9	-8.9	243.7	-4.9	238.7
Bonds		-0.5	119.7	-3.2	118.1	-3.4	110.1
Shares and equity		27.4	2,298.1	37.8	2,371.1	32.1	2,463.8
	Other private non-fin corps	-2.4	393.0	0.1	392.0	11.3	422.1
	Non-money market investment funds	9.7	965.0	6.4	991.4	-11.2	1,002.8
	Rest of world	17.6	474.1	28.2	506.8	23.2	544.1
Net equity in life offices		-0.8	17.8	-0.5	17.4	-1.7	16.0
Other assets		5.5	121.2	-6.9	114.6	-1.7	115.6

Liabilities

Pension (superannuation) funds' selected liabilities, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities		40.6	3,032.7	20.4	3,098.3	23.7	3,186.8
Net equity in reserves		37.4	2,978.2	23.1	3,044.3	28.3	3,140.0
	Households	37.2	2,974.1	22.9	3,040.1	28.1	3,135.3
Other liabilities		3.2	54.5	-2.7	54.0	-4.5	46.8

Total financial assets of pension (superannuation) funds increased 2.8%($79.2b), with a:

$92.7b increase in shares and other equity
partly offset by a $8.0b decrease in bonds
and $5.0b decrease in deposits

Favourable conditions in the domestic and overseas share markets drove valuation gains of $60.5b. Pension funds invested an additional $32.1b in shares and other equity, particularly in rest of world and other private financial corporations.
Increased bond yields drove valuation losses of $4.6b in pension fund bonds assets and they disposed of $3.4b in bonds, particularly issued by ADIs.
Deposit levels decreased as funds were allocated toward shares and other equity investments.

Pension funds' financial assets
	Total assets (RHS) ($b)	Revaluations (LHS) ($b)	Transactions (LHS) ($b)
Dec-08	943.3	-105.4	5.9
Mar-09	919.1	-29.3	5.2
Jun-09	991.4	37.1	35.2
Sep-09	1,099.9	90.9	17.6
Dec-09	1,139.1	25.4	13.8
Mar-10	1,165	8.4	17.5
Jun-10	1,103.9	-77.2	16.1
Sep-10	1,146.3	33.2	9.1
Dec-10	1,190.9	29.3	15.4
Mar-11	1,218.2	10.1	17.1
Jun-11	1,209	-34.8	25.7
Sep-11	1,136.8	-83.4	11.1
Dec-11	1,146.6	-3.3	13.1
Mar-12	1,207.1	41.8	18.7
Jun-12	1,202.4	-37.7	33.1
Sep-12	1,247.2	30.7	14.1
Dec-12	1,298.2	34.2	16.7
Mar-13	1,361.1	43.8	19.1
Jun-13	1,378.8	-20.6	38.2
Sep-13	1,454.8	62.5	13.5
Dec-13	1,508.7	29.2	24.6
Mar-14	1,544.3	14.9	20.8
Jun-14	1,575.8	-0.5	32.1
Sep-14	1,611.6	11.8	24.0
Dec-14	1,665.8	32.3	21.8
Mar-15	1,762.5	79.9	16.8
Jun-15	1,745	-52.6	35.1
Sep-15	1,719	-45.4	19.4
Dec-15	1,775.1	39.6	16.5
Mar-16	1,748.7	-33.8	7.4
Jun-16	1,821.6	42.6	30.3
Sep-16	1,895.5	61.4	12.5
Dec-16	1,947.7	32.9	19.4
Mar-17	2,001.8	35.0	19.0
Jun-17	2,050.6	9.4	39.5
Sep-17	2,064.4	2.9	10.9
Dec-17	2,158.1	72.9	20.9
Mar-18	2,143.7	-29.5	15.1
Jun-18	2,217.9	50.4	23.8
Sep-18	2,265.4	36.4	11.2
Dec-18	2,154.5	-126.2	15.3
Mar-19	2,287.7	118.8	14.4
Jun-19	2,392.1	76.3	28.1
Sep-19	2,452.8	47.3	13.3
Dec-19	2,506.4	29.2	24.4
Mar-20	2,246.7	-272.3	12.6
Jun-20	2,391.2	131.0	13.4
Sep-20	2,420.7	22.2	7.3
Dec-20	2,582.8	145.3	16.8
Mar-21	2,650.3	46.3	21.2
Jun-21	2,808.6	121.0	37.3
Sep-21	2,865	38.1	18.3
Dec-21	2,944.2	58.8	20.4

Pension funds' financial assets

["","Total assets (RHS)","Revaluations (LHS)","Transactions (LHS)"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[943.29999999999995],[919.10000000000002],[991.39999999999998],[1099.9000000000001],[1139.0999999999999],[1165],[1103.9000000000001],[1146.3],[1190.9000000000001],[1218.2],[1209],[1136.8],[1146.5999999999999],[1207.0999999999999],[1202.4000000000001],[1247.2],[1298.2],[1361.0999999999999],[1378.8],[1454.8],[1508.7],[1544.3],[1575.8],[1611.5999999999999],[1665.8],[1762.5],[1745],[1719],[1775.0999999999999],[1748.7],[1821.5999999999999],[1895.5],[1947.7],[2001.8],[2050.5999999999999],[2064.4000000000001],[2158.0999999999999],[2143.6999999999998],[2217.9000000000001],[2265.4000000000001],[2154.5],[2287.6999999999998],[2392.0999999999999],[2452.8000000000002],[2506.4000000000001],[2246.6999999999998],[2391.1999999999998],[2420.6999999999998],[2582.8000000000002],[2650.3000000000002],[2808.5999999999999],[2865],[2944.1999999999998]],[[-105.40000000000001],[-29.300000000000001],[37.100000000000001],[90.900000000000006],[25.399999999999999],[8.4000000000000004],[-77.200000000000003],[33.200000000000003],[29.300000000000001],[10.1],[-34.799999999999997],[-83.400000000000006],[-3.2999999999999998],[41.799999999999997],[-37.700000000000003],[30.699999999999999],[34.200000000000003],[43.799999999999997],[-20.600000000000001],[62.5],[29.199999999999999],[14.9],[-0.5],[11.800000000000001],[32.299999999999997],[79.900000000000006],[-52.600000000000001],[-45.399999999999999],[39.600000000000001],[-33.799999999999997],[42.600000000000001],[61.399999999999999],[32.899999999999999],[35],[9.4000000000000004],[2.8999999999999999],[72.900000000000006],[-29.5],[50.399999999999999],[36.399999999999999],[-126.2],[118.8],[76.299999999999997],[47.299999999999997],[29.199999999999999],[-272.30000000000001],[131],[22.199999999999999],[145.30000000000001],[46.299999999999997],[121],[38.100000000000001],[58.799999999999997]],[[5.9000000000000004],[5.2000000000000002],[35.200000000000003],[17.600000000000001],[13.800000000000001],[17.5],[16.100000000000001],[9.0999999999999996],[15.4],[17.100000000000001],[25.699999999999999],[11.1],[13.1],[18.699999999999999],[33.100000000000001],[14.1],[16.699999999999999],[19.100000000000001],[38.200000000000003],[13.5],[24.600000000000001],[20.800000000000001],[32.100000000000001],[24],[21.800000000000001],[16.800000000000001],[35.100000000000001],[19.399999999999999],[16.5],[7.4000000000000004],[30.300000000000001],[12.5],[19.399999999999999],[19],[39.5],[10.9],[20.899999999999999],[15.1],[23.800000000000001],[11.199999999999999],[15.300000000000001],[14.4],[28.100000000000001],[13.300000000000001],[24.399999999999999],[12.6],[13.4],[7.2999999999999998],[16.800000000000001],[21.199999999999999],[37.299999999999997],[18.300000000000001],[20.399999999999999]]]

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Government

National general government financial assets

National general government selected financial assets, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets		1.5	652.8	8.0	672.5	4.6	673.7
Deposits		0.0	87.1	3.9	91.4	7.3	98.7
	Central bank	0.4	61.6	1.4	63.0	6.9	69.8
	Authorised deposit taking institutions	-0.4	19.9	1.7	21.7	0.4	22.1
One name paper		-3.2	44.3	0.9	45.7	1.1	46.4
Shares and equity		5.4	198.8	-0.2	207.3	-0.7	201.9
Other assets		-0.6	322.6	3.3	328.2	-3.1	326.7

National general government liabilities

National general government selected liabilities, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities		10.7	1,366.0	36.5	1,406.7	18.4	1,404.6
One name paper		-6.1	27.3	1.5	28.8	6.1	34.9
Bonds		6.2	871.5	25.4	898.4	10.4	887.2
	Central bank	36.2	209.6	51.2	261.6	25.9	282.2
	Authorised deposit taking institutions	-30.7	110.4	-6.5	104.3	-14.1	88.4
	Rest of world	3.2	434.7	-15.5	419.0	-7.1	399.2
Other liabilities		10.6	467.2	9.5	479.5	1.9	482.5

State and local general government financial assets

State and local general government selected financial assets, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total assets		5.9	581.1	7.4	594.1	-4.7	594.2
Deposits		1.1	81.7	6.4	88.1	1.7	89.7
Loans and placements		9.3	60.9	-0.6	60.3	4.0	64.3
Shares and equity		-7.1	408.1	0.0	413.9	-11.1	407.8
	State and local PNFCs	0.0	320.7	0.0	324.3	0.0	328.0
	Other private non-fin corps	-7.7	47.8	0.3	49.8	-11.2	39.0
Other assets		2.5	30.4	1.6	31.9	0.8	32.4

- nil or rounded to zero

State and local general government liabilities

State and local general government selected liabilities, $b
		Transactions, Jun-21	Amounts outstanding, Jun-21	Transactions, Sep-21	Amounts outstanding, Sep-21	Transactions, Dec-21	Amounts outstanding, Dec-21
Total liabilities		16.2	524.2	25.0	542.4	4.4	544.3
Loans and placements		7.6	297.9	22.3	320.2	1.3	321.5
	Central borrowing authorities	7.9	273.6	23.1	296.7	3.0	299.7
Unfunded superannuation claims		0.8	154.4	0.9	148.4	1.0	147.1
Other liabilities		7.8	72.0	1.9	73.8	2.2	75.8

General government

Total bond liability of general government (national, and state and local) decreased $11.3b, driven by

$21.7b negative revaluations, partly offset by
$10.4b transactions

The total value of government bonds on issue fell as rising bond yields resulted in a large valuation decrease reflecting rising inflation and inflation expectations. Net issuance of government bonds weakened, reflecting the reduction in support payments to households and businesses as COVID-19 related restrictions eased in New South Wales, Victoria, and the Australian Capital Territory.

General government's bond liability
	Levels (RHS) ($b)	Transactions (LHS) ($b)	Revaluations (LHS) ($b)
Dec-08	65.9	4.3	2.9
Mar-09	75.4	10.6	-1
Jun-09	85.3	13.8	-3.8
Sep-09	98	11.7	0.9
Dec-09	111.8	15.1	-1.3
Mar-10	126.8	14.8	0.2
Jun-10	145.6	16.2	2.6
Sep-10	151.8	8.2	-2
Dec-10	162.9	13.4	-2.3
Mar-11	178.1	13.4	1.9
Jun-11	188	7.5	2.4
Sep-11	214.6	18.1	8.4
Dec-11	235.6	19.5	1.5
Mar-12	247.2	13.4	-1.8
Jun-12	258.6	2.7	8.7
Sep-12	272.7	13.5	0.6
Dec-12	275.2	8.9	-6.4
Mar-13	285.1	11.2	-1.3
Jun-13	285	3	-3.2
Sep-13	305.4	20.9	-0.5
Dec-13	316.4	15.6	-4.6
Mar-14	342.4	25.6	0.4
Jun-14	352.3	2.2	7.7
Sep-14	370.5	17.1	1
Dec-14	392.3	9.1	12.8
Mar-15	418.2	15.6	10.3
Jun-15	408.6	6.8	-16.4
Sep-15	441.7	26.3	6.8
Dec-15	443.8	7.9	-5.8
Mar-16	473.3	22.1	7.4
Jun-16	487.4	5.3	8.7
Sep-16	513.2	24.2	1.7
Dec-16	512.2	23.7	-24.8
Mar-17	534.8	20.7	1.9
Jun-17	552.3	18.1	-0.7
Sep-17	547.8	0.6	-5.1
Dec-17	565.5	15	2.7
Mar-18	573.6	4.6	3.5
Jun-18	580.9	10.7	-3.4
Sep-18	584.5	3	0.6
Dec-18	593.5	2.2	6.9
Mar-19	611	-3.6	21.1
Jun-19	633.3	9.8	12.6
Sep-19	660	13.3	13.4
Dec-19	639.5	-1.1	-19.4
Mar-20	675.2	15	20.7
Jun-20	740.7	73.4	-7.8
Sep-20	862.1	117.4	4
Dec-20	873.7	23.6	-12
Mar-21	861.2	23.7	-36.3
Jun-21	877.8	7	9.6
Sep-21	904.7	25.5	1.4
Dec-21	893.4	10.4	-21.7

General government's bond liability

["","Levels (RHS)","Transactions (LHS)","Revaluations (LHS)"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[65.900000000000006],[75.400000000000006],[85.299999999999997],[98],[111.8],[126.8],[145.59999999999999],[151.80000000000001],[162.90000000000001],[178.09999999999999],[188],[214.59999999999999],[235.59999999999999],[247.19999999999999],[258.60000000000002],[272.69999999999999],[275.19999999999999],[285.10000000000002],[285],[305.39999999999998],[316.39999999999998],[342.39999999999998],[352.30000000000001],[370.5],[392.30000000000001],[418.19999999999999],[408.60000000000002],[441.69999999999999],[443.80000000000001],[473.30000000000001],[487.39999999999998],[513.20000000000005],[512.20000000000005],[534.79999999999995],[552.29999999999995],[547.79999999999995],[565.5],[573.60000000000002],[580.89999999999998],[584.5],[593.5],[611],[633.29999999999995],[660],[639.5],[675.20000000000005],[740.70000000000005],[862.10000000000002],[873.70000000000005],[861.20000000000005],[877.79999999999995],[904.70000000000005],[893.39999999999998]],[[4.2999999999999998],[10.6],[13.800000000000001],[11.699999999999999],[15.1],[14.800000000000001],[16.199999999999999],[8.1999999999999993],[13.4],[13.4],[7.5],[18.100000000000001],[19.5],[13.4],[2.7000000000000002],[13.5],[8.9000000000000004],[11.199999999999999],[3],[20.899999999999999],[15.6],[25.600000000000001],[2.2000000000000002],[17.100000000000001],[9.0999999999999996],[15.6],[6.7999999999999998],[26.300000000000001],[7.9000000000000004],[22.100000000000001],[5.2999999999999998],[24.199999999999999],[23.699999999999999],[20.699999999999999],[18.100000000000001],[0.59999999999999998],[15],[4.5999999999999996],[10.699999999999999],[3],[2.2000000000000002],[-3.6000000000000001],[9.8000000000000007],[13.300000000000001],[-1.1000000000000001],[15],[73.400000000000006],[117.40000000000001],[23.600000000000001],[23.699999999999999],[7],[25.5],[10.4]],[[2.8999999999999999],[-1],[-3.7999999999999998],[0.90000000000000002],[-1.3],[0.20000000000000001],[2.6000000000000001],[-2],[-2.2999999999999998],[1.8999999999999999],[2.3999999999999999],[8.4000000000000004],[1.5],[-1.8],[8.6999999999999993],[0.59999999999999998],[-6.4000000000000004],[-1.3],[-3.2000000000000002],[-0.5],[-4.5999999999999996],[0.40000000000000002],[7.7000000000000002],[1],[12.800000000000001],[10.300000000000001],[-16.399999999999999],[6.7999999999999998],[-5.7999999999999998],[7.4000000000000004],[8.6999999999999993],[1.7],[-24.800000000000001],[1.8999999999999999],[-0.69999999999999996],[-5.0999999999999996],[2.7000000000000002],[3.5],[-3.3999999999999999],[0.59999999999999998],[6.9000000000000004],[21.100000000000001],[12.6],[13.4],[-19.399999999999999],[20.699999999999999],[-7.7999999999999998],[4],[-12],[-36.299999999999997],[9.5999999999999996],[1.3999999999999999],[-21.699999999999999]]]

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Capital investment

Figures in the capital investment section are in seasonally adjusted current prices.

Net lending (+) / borrowing (-)

Australia's net lending position decreased by $9.3b to $12.5b this quarter. This was driven by a:

$4.9b increase in change in inventories
$4.6b decrease in national net savings
$1.2b increase in gross fixed capital formation

National net lending (+) / borrowing (-), relative to GDP, seasonally adjusted
	Net lending / net borrowing relative to GDP (%)
Dec-64	-2.3
Mar-65	-3.3
Jun-65	-3.3
Sep-65	-4.4
Dec-65	-3.7
Mar-66	-2.8
Jun-66	-1.8
Sep-66	-1.9
Dec-66	-1.9
Mar-67	-2.6
Jun-67	-1.9
Sep-67	-2.9
Dec-67	-2.9
Mar-68	-5.2
Jun-68	-3.2
Sep-68	-3.7
Dec-68	-2.4
Mar-69	-2.4
Jun-69	-2.3
Sep-69	-1.4
Dec-69	-1.7
Mar-70	-1.4
Jun-70	-1.9
Sep-70	-1.5
Dec-70	-1.7
Mar-71	-2.1
Jun-71	-1.1
Sep-71	-0.9
Dec-71	-1.4
Mar-72	-0.2
Jun-72	1.1
Sep-72	1.6
Dec-72	2.2
Mar-73	2.0
Jun-73	1.6
Sep-73	0.4
Dec-73	0.4
Mar-74	-1.9
Jun-74	-3.5
Sep-74	-3.1
Dec-74	-2.5
Mar-75	-0.4
Jun-75	0.1
Sep-75	-1.1
Dec-75	-1.9
Mar-76	-1.8
Jun-76	-1.1
Sep-76	-1.2
Dec-76	-1.8
Mar-77	-3.0
Jun-77	-2.9
Sep-77	-3.1
Dec-77	-1.2
Mar-78	-2.9
Jun-78	-3.1
Sep-78	-3.7
Dec-78	-3.6
Mar-79	-2.0
Jun-79	-2.0
Sep-79	-1.8
Dec-79	-0.8
Mar-80	-1.0
Jun-80	-1.8
Sep-80	-3.9
Dec-80	-3.3
Mar-81	-2.9
Jun-81	-4.2
Sep-81	-4.1
Dec-81	-5.4
Mar-82	-5.5
Jun-82	-4.8
Sep-82	-3.5
Dec-82	-3.4
Mar-83	-3.6
Jun-83	-3.0
Sep-83	-3.7
Dec-83	-2.9
Mar-84	-4.0
Jun-84	-3.5
Sep-84	-4.5
Dec-84	-5.2
Mar-85	-4.1
Jun-85	-4.5
Sep-85	-5.6
Dec-85	-5.7
Mar-86	-6.0
Jun-86	-5.6
Sep-86	-4.8
Dec-86	-4.4
Mar-87	-4.1
Jun-87	-3.2
Sep-87	-3.3
Dec-87	-3.3
Mar-88	-3.0
Jun-88	-2.9
Sep-88	-3.9
Dec-88	-4.9
Mar-89	-5.6
Jun-89	-6.0
Sep-89	-6.5
Dec-89	-6.3
Mar-90	-6.2
Jun-90	-4.4
Sep-90	-4.2
Dec-90	-4.9
Mar-91	-3.9
Jun-91	-3.3
Sep-91	-3.1
Dec-91	-3.0
Mar-92	-3.0
Jun-92	-3.3
Sep-92	-3.8
Dec-92	-3.2
Mar-93	-3.0
Jun-93	-3.2
Sep-93	-3.3
Dec-93	-3.0
Mar-94	-2.9
Jun-94	-4.4
Sep-94	-5.5
Dec-94	-5.4
Mar-95	-5.8
Jun-95	-5.1
Sep-95	-4.5
Dec-95	-4.9
Mar-96	-4.0
Jun-96	-2.8
Sep-96	-3.9
Dec-96	-3.4
Mar-97	-3.1
Jun-97	-2.0
Sep-97	-3.1
Dec-97	-3.7
Mar-98	-5.1
Jun-98	-4.2
Sep-98	-5.6
Dec-98	-5.0
Mar-99	-5.7
Jun-99	-6.0
Sep-99	-5.7
Dec-99	-4.8
Mar-00	-4.9
Jun-00	-5.0
Sep-00	-3.4
Dec-00	-3.5
Mar-01	-2.5
Jun-01	-2.2
Sep-01	-1.8
Dec-01	-2.8
Mar-02	-2.7
Jun-02	-3.7
Sep-02	-3.9
Dec-02	-5.0
Mar-03	-5.0
Jun-03	-5.6
Sep-03	-5.4
Dec-03	-5.4
Mar-04	-5.7
Jun-04	-5.6
Sep-04	-6.6
Dec-04	-7.3
Mar-05	-6.6
Jun-05	-5.7
Sep-05	-6.0
Dec-05	-5.8
Mar-06	-5.4
Jun-06	-6.3
Sep-06	-5.8
Dec-06	-6.0
Mar-07	-6.1
Jun-07	-6.7
Sep-07	-6.9
Dec-07	-7.3
Mar-08	-6.8
Jun-08	-5.9
Sep-08	-4.0
Dec-08	-2.9
Mar-09	-1.5
Jun-09	-5.0
Sep-09	-5.3
Dec-09	-6.4
Mar-10	-5.5
Jun-10	-3.0
Sep-10	-3.1
Dec-10	-3.3
Mar-11	-3.4
Jun-11	-3.1
Sep-11	-2.6
Dec-11	-3.0
Mar-12	-4.7
Jun-12	-3.7
Sep-12	-4.4
Dec-12	-4.7
Mar-13	-3.6
Jun-13	-3.6
Sep-13	-3.7
Dec-13	-2.8
Mar-14	-2.7
Jun-14	-3.1
Sep-14	-3.4
Dec-14	-3.1
Mar-15	-3.4
Jun-15	-5.1
Sep-15	-4.8
Dec-15	-5.3
Mar-16	-4.3
Jun-16	-4.3
Sep-16	-3.3
Dec-16	-1.5
Mar-17	-1.9
Jun-17	-2.5
Sep-17	-2.6
Dec-17	-3.4
Mar-18	-2.6
Jun-18	-2.9
Sep-18	-2.0
Dec-18	-1.1
Mar-19	-0.9
Jun-19	0.7
Sep-19	1.6
Dec-19	0.8
Mar-20	1.3
Jun-20	3.5
Sep-20	2.1
Dec-20	3.3
Mar-21	3.7
Jun-21	4.1
Sep-21	4.0
Dec-21	2.2

National net lending (+) / borrowing (-), relative to GDP, seasonally adjusted

["","Net lending \/ net borrowing relative to GDP"]

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[]

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National net lending as a proportion of GDP fell this quarter driven largely by a fall in net saving as household final consumption expenditure rebounded due to easing of restrictions.

Households' net lending decreased by $21.6b to $32.8b
General government net borrowing decreased by $14.8b to $28.0b
Financial corporations' net lending increased by $0.8b to $6.8b
Non-financial corporations' net lending decreased by $10.9b, to a net borrowing position of $2.3b

Notable drivers for general government and non-financial corporations were:

General government net savings increased strongly due to an increase in income tax receivable and taxes on production and imports as well as a decrease in income payable in social assistance benefits in cash to residents and subsidies due to the easing of COVID-19 restrictions.
Non-financial corporations net savings decreased driven by an increase in income payable and was supported by a built up in non-farm inventories.

Net lending (+) / borrowing (-), by sector, seasonally adjusted
	Non-financial corporations ($b)	Financial corporations ($b)	General government ($b)	Households ($b)
Dec-08	-13.4	10.1	-12.8	10.2
Mar-09	-8.8	6.8	-11.5	6.8
Jun-09	-14.4	7.6	-21.9	11.3
Sep-09	-9.9	-0.4	-14.1	5.8
Dec-09	-7.6	6.3	-19.9	3.8
Mar-10	-9.4	6.4	-21.8	6.0
Jun-10	-7.2	13.1	-16.4	3.5
Sep-10	-10.1	10.4	-15.8	5.8
Dec-10	-11.4	9.2	-15.7	10.0
Mar-11	-17.2	8.5	-17.1	11.1
Jun-11	-19.3	13.2	-16.7	9.6
Sep-11	-15.0	11.6	-16.2	11.8
Dec-11	-17.4	11.0	-19.5	15.5
Mar-12	-25.0	12.3	-14.1	10.7
Jun-12	-21.3	10.7	-19.5	13.4
Sep-12	-23.6	12.3	-13.0	6.0
Dec-12	-28.8	11.6	-11.7	9.6
Mar-13	-22.2	9.8	-14.4	12.0
Jun-13	-26.0	10.0	-4.8	10.5
Sep-13	-21.2	9.2	-12.2	9.6
Dec-13	-22.1	8.9	-11.7	11.6
Mar-14	-20.9	9.3	-12.1	11.3
Jun-14	-22.8	8.0	-8.3	12.8
Sep-14	-23.4	8.7	-10.7	10.6
Dec-14	-20.3	6.1	-10.6	10.2
Mar-15	-23.1	7.8	-8.1	8.4
Jun-15	-22.7	5.4	-7.1	10.4
Sep-15	-25.0	7.9	-7.0	6.6
Dec-15	-24.7	9.0	-7.0	3.0
Mar-16	-22.4	8.3	-11.2	2.9
Jun-16	-20.5	8.9	-11.8	3.8
Sep-16	-17.2	9.2	-10.8	3.0
Dec-16	-10.1	7.3	-5.7	1.2
Mar-17	-10.4	5.6	-3.1	1.6
Jun-17	-11.4	7.8	-8.3	0.5
Sep-17	-14.4	8.6	-5.5	0.5
Dec-17	-15.1	5.4	-6.7	3.0
Mar-18	-16.3	8.4	-6.4	1.5
Jun-18	-22.3	7.2	-4.8	0.1
Sep-18	-14.1	7.6	-5.5	1.9
Dec-18	-12.5	6.8	-7.8	5.4
Mar-19	-11.2	7.7	-8.6	8.8
Jun-19	-6.6	7.1	-5.9	8.5
Sep-19	-4.1	6.8	-12.0	16.8
Dec-19	-5.9	4.4	-12.3	14.8
Mar-20	-3.3	2.6	-15.1	22.9
Jun-20	30.8	14.4	-102.5	72.4
Sep-20	32.7	7.9	-92.3	62.0
Dec-20	23.4	5.7	-52.0	37.3
Mar-21	13.1	1.2	-32.5	34.0
Jun-21	8.6	5.4	-19.9	27.0
Sep-21	8.5	6.1	-42.8	54.4
Dec-21	-2.3	6.8	-28.0	32.8

Net lending (+) / borrowing (-), by sector, seasonally adjusted

["","Non-financial\u00a0corporations","Financial\u00a0corporations","General\u00a0government","Households"]

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[]

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Capital Investment

National capital investment fell to 22.8% as a proportion of GDP:
Relative to GDP:

Non-financial corporations' investment decreased to 9.8%
Household investment decreased slightly to 8.4%
Financial corporations' investment decreased slightly to 0.5%
General government investment decreased slightly to 4.0%

Non-financial corporations' investment fell, driven by decreased investment in private machinery and equipment.
Household investment fell driven by ownership transfer costs as the housing market begins to stabilise following strength in previous quarters.
General government investment fell, driven by a decrease in national general government with both defence and non-defence showing weakness.

Gross fixed capital formation, by sector, relative to GDP, seasonally adjusted
	Non-financial corporations (%)	Financial corporations (%)	General government (%)	Households (%)
Dec-08	15.0	0.7	3.4	8.9
Mar-09	14.4	0.7	3.4	8.6
Jun-09	14.8	0.7	3.3	8.6
Sep-09	14.0	0.7	3.7	8.6
Dec-09	14.3	0.7	4.1	8.7
Mar-10	13.5	0.7	4.6	8.3
Jun-10	13.2	0.6	4.2	8.2
Sep-10	13.2	0.6	4.1	8.4
Dec-10	13.3	0.6	4.0	8.1
Mar-11	13.8	0.6	3.8	8.1
Jun-11	13.8	0.6	3.3	7.9
Sep-11	15.1	0.6	3.4	7.6
Dec-11	14.9	0.6	4.1	7.4
Mar-12	16.3	0.6	3.3	7.3
Jun-12	16.9	0.6	3.6	7.2
Sep-12	16.8	0.7	3.4	7.4
Dec-12	17.3	0.7	3.3	7.4
Mar-13	16.1	0.6	3.4	7.3
Jun-13	16.0	0.6	3.0	7.5
Sep-13	16.1	0.6	3.1	7.5
Dec-13	15.8	0.6	3.2	7.6
Mar-14	15.1	0.6	3.2	7.7
Jun-14	14.8	0.6	3.2	7.8
Sep-14	14.1	0.7	3.2	8.3
Dec-14	13.9	0.7	3.1	8.7
Mar-15	13.5	0.7	3.0	8.9
Jun-15	13.4	0.6	3.2	8.9
Sep-15	12.8	0.7	2.9	9.2
Dec-15	12.6	0.7	3.0	9.3
Mar-16	11.9	0.7	3.5	9.3
Jun-16	11.3	0.7	3.6	9.4
Sep-16	10.7	0.7	3.2	9.4
Dec-16	10.8	0.6	3.3	9.3
Mar-17	10.4	0.6	3.5	9.2
Jun-17	10.2	0.6	4.1	9.2
Sep-17	11.3	0.5	3.7	9.0
Dec-17	11.0	0.7	3.8	9.0
Mar-18	10.9	0.7	3.7	9.1
Jun-18	10.8	0.6	3.9	9.1
Sep-18	10.9	0.6	3.9	8.7
Dec-18	10.6	0.6	3.9	8.4
Mar-19	10.6	0.6	3.9	8.0
Jun-19	10.5	0.6	3.9	7.7
Sep-19	10.6	0.6	3.9	7.6
Dec-19	10.4	0.6	4.0	7.6
Mar-20	10.4	0.5	3.9	7.6
Jun-20	10.9	0.6	4.2	7.5
Sep-20	10.1	0.5	4.0	7.6
Dec-20	9.8	0.5	4.0	7.8
Mar-21	9.8	0.5	3.9	8.2
Jun-21	9.9	0.5	4.2	8.3
Sep-21	10.1	0.6	4.1	8.5
Dec-21	9.8	0.5	4.0	8.4

Gross fixed capital formation, by sector, relative to GDP, seasonally adjusted

["","Non-financial\u00a0corporations","Financial\u00a0corporations","General\u00a0government","Households"]

[["Dec-08","Mar-09","Jun-09","Sep-09","Dec-09","Mar-10","Jun-10","Sep-10","Dec-10","Mar-11","Jun-11","Sep-11","Dec-11","Mar-12","Jun-12","Sep-12","Dec-12","Mar-13","Jun-13","Sep-13","Dec-13","Mar-14","Jun-14","Sep-14","Dec-14","Mar-15","Jun-15","Sep-15","Dec-15","Mar-16","Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21"],[[15],[14.4],[14.800000000000001],[14],[14.300000000000001],[13.5],[13.199999999999999],[13.199999999999999],[13.300000000000001],[13.800000000000001],[13.800000000000001],[15.1],[14.9],[16.300000000000001],[16.899999999999999],[16.800000000000001],[17.300000000000001],[16.100000000000001],[16],[16.100000000000001],[15.800000000000001],[15.1],[14.800000000000001],[14.1],[13.9],[13.5],[13.4],[12.800000000000001],[12.6],[11.9],[11.300000000000001],[10.699999999999999],[10.800000000000001],[10.4],[10.199999999999999],[11.300000000000001],[11],[10.9],[10.800000000000001],[10.9],[10.6],[10.6],[10.5],[10.6],[10.4],[10.4],[10.9],[10.1],[9.8000000000000007],[9.8000000000000007],[9.9000000000000004],[10.1],[9.8000000000000007]],[[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.69999999999999996],[0.69999999999999996],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.59999999999999998],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.69999999999999996],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.5],[0.69999999999999996],[0.69999999999999996],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.59999999999999998],[0.5],[0.59999999999999998],[0.5],[0.5],[0.5],[0.5],[0.59999999999999998],[0.5]],[[3.3999999999999999],[3.3999999999999999],[3.2999999999999998],[3.7000000000000002],[4.0999999999999996],[4.5999999999999996],[4.2000000000000002],[4.0999999999999996],[4],[3.7999999999999998],[3.2999999999999998],[3.3999999999999999],[4.0999999999999996],[3.2999999999999998],[3.6000000000000001],[3.3999999999999999],[3.2999999999999998],[3.3999999999999999],[3],[3.1000000000000001],[3.2000000000000002],[3.2000000000000002],[3.2000000000000002],[3.2000000000000002],[3.1000000000000001],[3],[3.2000000000000002],[2.8999999999999999],[3],[3.5],[3.6000000000000001],[3.2000000000000002],[3.2999999999999998],[3.5],[4.0999999999999996],[3.7000000000000002],[3.7999999999999998],[3.7000000000000002],[3.8999999999999999],[3.8999999999999999],[3.8999999999999999],[3.8999999999999999],[3.8999999999999999],[3.8999999999999999],[4],[3.8999999999999999],[4.2000000000000002],[4],[4],[3.8999999999999999],[4.2000000000000002],[4.0999999999999996],[4]],[[8.9000000000000004],[8.5999999999999996],[8.5999999999999996],[8.5999999999999996],[8.6999999999999993],[8.3000000000000007],[8.1999999999999993],[8.4000000000000004],[8.0999999999999996],[8.0999999999999996],[7.9000000000000004],[7.5999999999999996],[7.4000000000000004],[7.2999999999999998],[7.2000000000000002],[7.4000000000000004],[7.4000000000000004],[7.2999999999999998],[7.5],[7.5],[7.5999999999999996],[7.7000000000000002],[7.7999999999999998],[8.3000000000000007],[8.6999999999999993],[8.9000000000000004],[8.9000000000000004],[9.1999999999999993],[9.3000000000000007],[9.3000000000000007],[9.4000000000000004],[9.4000000000000004],[9.3000000000000007],[9.1999999999999993],[9.1999999999999993],[9],[9],[9.0999999999999996],[9.0999999999999996],[8.6999999999999993],[8.4000000000000004],[8],[7.7000000000000002],[7.5999999999999996],[7.5999999999999996],[7.5999999999999996],[7.5],[7.5999999999999996],[7.7999999999999998],[8.1999999999999993],[8.3000000000000007],[8.5],[8.4000000000000004]]]

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Data downloads

Download all (10.31 MB)

Time series spreadsheets

Data files

TABLE 1. Credit Market Outstandings ($ million)
Download xlsx [267.01 KB]
TABLE 2. Demand for Credit ($ million)
Download xlsx [250.26 KB]
TABLE 3. National Capital Account, Current prices ($ million)
Download xlsx [80.67 KB]
TABLE 4. National Financial Assets and Liabilities ($ million)
Download xlsx [104.2 KB]
TABLE 5. Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [78.16 KB]
TABLE 6. Financial Assets and Liabilities of Non-Financial Corporations ($ million)
Download xlsx [378.01 KB]
TABLE 7. Private Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [74.76 KB]
TABLE 8. Financial Assets and Liabilities of Private Non-Financial Corporations ($ million)
Download xlsx [373.2 KB]
TABLE 9. Financial Assets and Liabilities of Private Non-Financial Investment Funds ($ million)
Download xlsx [229.26 KB]
TABLE 10. Financial Assets and Liabilities of Other Private Non-Financial Corporations ($ million)
Download xlsx [378.81 KB]
TABLE 11. Public Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [73.29 KB]
TABLE 12. Financial Assets and Liabilities of Public Non-Financial Corporations ($ million)
Download xlsx [262.78 KB]
TABLE 13. Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [74.11 KB]
TABLE 14. Financial Assets and Liabilities of Financial Corporations ($ million)
Download xlsx [352.44 KB]
TABLE 15. Financial Assets and Liabilities of the Central Bank ($ million)
Download xlsx [163.03 KB]
TABLE 16. Financial Assets and Liabilities of Authorised Deposit taking Institutions ($ million)
Download xlsx [487.06 KB]
TABLE 17. Financial Assets and Liabilities of Other Broad Money Institutions ($ million)
Download xlsx [312.82 KB]
TABLE 18. Financial Assets and Liabilities of Pension Funds ($ million)
Download xlsx [223.71 KB]
TABLE 19. Pension Funds - Self-Managed Superannuation Funds Balance Sheet ($ million)
Download xlsx [69.49 KB]
TABLE 20. Financial Assets and Liabilities of Life Insurance Corporations ($ million)
Download xlsx [291.55 KB]
TABLE 21. Financial Assets and Liabilities of Non-Life Insurance Corporations ($ million)
Download xlsx [285.77 KB]
TABLE 22. Financial Assets and Liabilities of Money Market Financial Investment Funds ($ million)
Download xlsx [142.54 KB]
TABLE 23. Financial Assets and Liabilities of Non-Money Market Financial Investment Funds ($ million)
Download xlsx [269.09 KB]
TABLE 24. Financial Assets and Liabilities of Central Borrowing Authorities ($ million)
Download xlsx [257.59 KB]
TABLE 25. Financial Assets and Liabilities of Securitisers ($ million)
Download xlsx [199.53 KB]
TABLE 26. Financial Assets and Liabilities of Other Financial Corporations ($ million)
Download xlsx [314.27 KB]
TABLE 27. General Government Capital Account, Current prices ($ million)
Download xlsx [77.68 KB]
TABLE 28. Financial Assets and Liabilities of General Government ($ million)
Download xlsx [298.29 KB]
TABLE 29. National General Government Capital Account, Current prices ($ million)
Download xlsx [76.93 KB]
TABLE 30. Financial Assets and Liabilities of National General Government ($ million)
Download xlsx [271.93 KB]
TABLE 31. State and Local General Government Capital Account, Current prices ($ million)
Download xlsx [76.88 KB]
TABLE 32. Financial Assets and Liabilities of State and Local General Government ($ million)
Download xlsx [191.42 KB]
TABLE 33. Household Capital Account, Current prices ($ million)
Download xlsx [77.18 KB]
TABLE 34. Financial Assets and Liabilities of Households ($ million)
Download xlsx [253.04 KB]
TABLE 35. Household Balance Sheet, Current prices ($ billion)
Download xlsx [79.7 KB]
TABLE 36. Analytical Measures of Household Income, Consumption, Saving and Wealth, Current prices ($ billion)
Download xlsx [66.28 KB]
TABLE 37. Rest of World Capital Account, Current prices ($ million)
Download xlsx [66.93 KB]
TABLE 38. Financial Assets and Liabilities of Rest of World ($ million)
Download xlsx [450.59 KB]
TABLE 39. The Currency Market ($ million)
Download xlsx [80.2 KB]
TABLE 40. The Transferable Deposits Market ($ million)
Download xlsx [114.89 KB]
TABLE 41. The Other Deposits Market ($ million)
Download xlsx [126.69 KB]
TABLE 42. The Bills of Exchange Market ($ million)
Download xlsx [107 KB]
TABLE 43. The One Name Paper Market ($ million)
Download xlsx [351.77 KB]
TABLE 44. The Bonds Market ($ million)
Download xlsx [456.55 KB]
TABLE 45. The Derivatives and Employee Stock Options Market ($ million)
Download xlsx [188.69 KB]
TABLE 46. The Short Term Loans and Placements Market ($ million)
Download xlsx [150.53 KB]
TABLE 47. The Long Term Loans and Placements Market ($ million)
Download xlsx [351.68 KB]
TABLE 48. The Listed Shares and Other Equity Market ($ million)
Download xlsx [253.98 KB]
TABLE 49. The Unlisted Shares and Other Equity Market ($ million)
Download xlsx [316.42 KB]
TABLE 50. Accounts Payable/Receivable ($ million)
Download xlsx [389.99 KB]
TABLE 51. Financial Accounts Summary of Authorised Deposit taking Institution Deposits and Lending Split by Household Subsectors ($ million)
Download xlsx [54.09 KB]
TABLE 52. Financial Accounts Summary of Loan Outstandings to Households for Housing by Type of Lending Institution ($ million)
Download xlsx [56.61 KB]
TABLE 53. Nominal Value of Short Term Loans and Placements Market ($ million)
Download xlsx [149.05 KB]
TABLE 54. Nominal Value of Long Term Loans and Placements Market ($ million)
Download xlsx [352.09 KB]

Previous catalogue number

This release previously used catalogue number 5232.0

Revisions and changes

Revisions in this issue

There have been revisions to previously published aggregates due to:

Quality assurance reviews affecting the published aggregates after December quarter 2019, in addition to amendments to data collected in the ABS Survey of Financial Information, ABS Survey of International Investment and to data derived from Australian Prudential Regulation Authority (APRA) administrative data sets.
Revisions to the sectoral capital accounts are due to more up-to-date data being incorporated and concurrent seasonal adjustment.

Methodology

Australian National Accounts: Finance and Wealth methodology, December 2021

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APA

Australian National Accounts: Finance and Wealth

APA

Key statistics

Main features

Financing resources and investment table

Financial market summary table

Flow of funds diagrams

Net transactions during December quarter 2021

Amounts outstanding at end of December quarter 2021

National investment

Financial investment

Households

Non-financial corporations

General government

Demand for credit

Demand for credit table

Households

Private non-financial corporations

General government

Households

Balance sheet

Financial assets

Liabilities

Non-financial assets

Financial assets

Liabilities

Private non-financial corporations

Financial assets

Liabilities

Financial corporations

Financial assets and liabilities

Authorised deposit-taking institutions (ADIs)

Financial assets

Liabilities

Pension (superannuation) funds

Financial assets

Liabilities

Government

National general government financial assets

National general government liabilities

State and local general government financial assets

State and local general government liabilities

General government

Capital investment

Net lending (+) / borrowing (-)

Capital Investment

Data downloads

Time series spreadsheets

TABLE 1. Credit Market Outstandings ($ million)

TABLE 2. Demand for Credit ($ million)

TABLE 3. National Capital Account, Current prices ($ million)

TABLE 4. National Financial Assets and Liabilities ($ million)

TABLE 5. Non-Financial Corporations Capital Account, Current prices ($ million)

TABLE 6. Financial Assets and Liabilities of Non-Financial Corporations ($ million)

TABLE 7. Private Non-Financial Corporations Capital Account, Current prices ($ million)

TABLE 8. Financial Assets and Liabilities of Private Non-Financial Corporations ($ million)

TABLE 9. Financial Assets and Liabilities of Private Non-Financial Investment Funds ($ million)

TABLE 10. Financial Assets and Liabilities of Other Private Non-Financial Corporations ($ million)

TABLE 11. Public Non-Financial Corporations Capital Account, Current prices ($ million)

TABLE 12. Financial Assets and Liabilities of Public Non-Financial Corporations ($ million)

TABLE 13. Financial Corporations Capital Account, Current prices ($ million)

TABLE 14. Financial Assets and Liabilities of Financial Corporations ($ million)

TABLE 15. Financial Assets and Liabilities of the Central Bank ($ million)

TABLE 16. Financial Assets and Liabilities of Authorised Deposit taking Institutions ($ million)

TABLE 17. Financial Assets and Liabilities of Other Broad Money Institutions ($ million)

TABLE 18. Financial Assets and Liabilities of Pension Funds ($ million)

TABLE 19. Pension Funds - Self-Managed Superannuation Funds Balance Sheet ($ million)

TABLE 20. Financial Assets and Liabilities of Life Insurance Corporations ($ million)

TABLE 21. Financial Assets and Liabilities of Non-Life Insurance Corporations ($ million)

TABLE 22. Financial Assets and Liabilities of Money Market Financial Investment Funds ($ million)

TABLE 23. Financial Assets and Liabilities of Non-Money Market Financial Investment Funds ($ million)

TABLE 24. Financial Assets and Liabilities of Central Borrowing Authorities ($ million)

TABLE 25. Financial Assets and Liabilities of Securitisers ($ million)

TABLE 26. Financial Assets and Liabilities of Other Financial Corporations ($ million)

TABLE 27. General Government Capital Account, Current prices ($ million)

TABLE 28. Financial Assets and Liabilities of General Government ($ million)

TABLE 29. National General Government Capital Account, Current prices ($ million)

TABLE 30. Financial Assets and Liabilities of National General Government ($ million)

TABLE 31. State and Local General Government Capital Account, Current prices ($ million)