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

June 2022

Released

29/09/2022

View all releases

Key statistics

Household wealth fell $484.0b (3.3%) to $14,383b
Demand for credit was $134.9b, a fall of $88.1b from the record high last quarter
Australia's net lending position rose $11.3b to $18.7b
Capital investment as a proportion of GDP fell to 22.2%

Main features

Financing resources and investment table

Financing resources and investment June quarter 2022, original, current prices, $b
			Non-financial corps	Financial corps	Government	Households	Total national	Rest of world
Financing resources
	Net saving (a)		36.1	3.1	5.1	12.5	56.8	-23.2
	plus Consumption of fixed capital		45.7	3.2	11.6	33.3	93.8	-
	Gross saving		81.8	6.3	16.7	45.8	150.6	-23.2
	plus Net capital transfers		0.9	0.0	-2.5	1.4	-0.3	0.3
	less Statistical discrepancy (b)		-	-	-	-	-17.2	-
	Total financing resources		82.7	6.3	14.2	47.2	167.6	-22.9
Uses of financing (investment)
	Capital formation
		Gross fixed capital formation	63.1	3.3	30.4	49.2	146	-
		plus Changes in inventories	-1.2	0.0	1.5	-1.5	-1.3	-
		plus Net acquisition of non-produced non-financial assets	-0.4	-	0.3	-	-	-
		Total capital formation	61.5	3.3	32.2	47.7	144.6	-
	plus Financial investment
		Aquistition of financial assets	49.6	82.5	28.5	55.5	-46.8	-65.5
		less Incurrence of financial liabilities	31.8	60.2	50.0	55.4	-65.5	-46.8
		Net Financial investment (Net lending (+) / net borrowing (-))	17.7	22.3	-21.5	0.1	18.7	-18.7
	less Net errors and omissions		-3.5	19.2	-3.4	0.6	-4.3	4.3
	Total investment		82.7	6.3	14.2	47.2	167.6	-23.0

- 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, Mar-22	Transactions, Jun-22	Other changes, Jun-22	Amounts outstanding, Jun-22
Currency and deposits
	Currency	106.3	0.3	-	106.6
	Transferable deposits	2,227.4	-1.7	12.0	2,237.7
	Other deposits	1,403.4	69.6	12.1	1,485.1
Short term debt securities
	Bills of exchange	8.0	-0.5	-	7.5
	One name paper	507.6	20.2	8.7	536.5
Long term debt securities
	Bonds, etc.	3,215.9	112.6	-97.5	3,231.0
Derivatives
	Derivatives	915.2	-244.7	590.2	1,260.6
Loans and placements
	Short term	406.6	36.9	6.8	450.3
	Long term	4,342.0	101.3	8.5	4,451.9
Shares and other equity
	Listed	2,710.1	-4.3	-358.5	2,347.3
	Unlisted	5,633.6	5.9	-94.2	5,545.3
Insurance technical reserves
	Reserves of pension funds and life	3,213.4	39.2	-246.4	3,006.3
	General insurance payments	150.2	-0.4	0.0	149.8

- nil or rounded to zero

Flow of funds diagrams

Net transactions during June quarter 2022

Image

This is a flowchart that shows the intersectoral financial flows of net transactions during the June quarter 2022.

Description

Financial corporations borrowed $6.6b from non-financial corporations and $1.8b from general government. They lent $9.7b to households and $17.9b to rest of world. Rest of the world borrowed $15.5b from non-financial corporations. They lent $11.3b to general government and $0.2b to household. General government borrowed $3.2b from households and $0.7b from non-financial corporations. Households lent $3.8b to non-financial corporations.

Amounts outstanding at end of June quarter 2022

Image

This is a flowchart that shows the intersectoral financial flows of amounts outstanding at the end of the June quarter 2022.

Description

Net claims on non-financial corporations were $1,127.4b from financial corporations, $808.6b from households, $1,069.0b from rest of world and $399.6b from general government. Net claims on general government were $424.0b from financial corporations, $222.3b from rest of world and $444.5b from households. Net claims on rest of world were $166.4b from financial corporations and $186.9b from households. Net claims on financial corporations were $2,202.3b from households.

National investment

National investment increased $19.4b to $144.6b in the June quarter.

General government investment increased by $10.3b to $32.2b driven largely by an increase in gross fixed capital formation in both state and local general government and national general government.
Non-financial corporations' investment increased by $5.4b to $61.5b, driven largely by an increase in gross fixed capital formation in private non-financial corporations and public non-financial corporations. This was partially offset by a decrease in inventories in private non-financial corporations.
Household investment increased by $3.3b to $47.7b, driven by an increase in gross fixed capital formation. This was partially offset by a decrease in inventories.

Financial investment

Australia was a net lender of $18.7b to rest of world (ROW). The main contributors were a:

$26.4b withdrawal by ROW of deposits accepted by the central bank and authorised deposit taking institutions (ADIs)
$22.5b in loans and placements lent to ROW
partly offset by $40.8b ROW holdings of debt securities, driven mainly by bonds issued by national general government (NGG), ADIs, and securitisers

Funding requirements between resident ADIs and their ROW subsidiaries drove ROW loan borrowing from ADIs. ROW remains a significant holder of bond issued by both NGG and ADIs.

Households

Households' $0.1b net lending position was due to a $55.5b acquisition of financial assets, offset by a $55.4b incurrence of liabilities.
The acquisition of assets was driven by:

$38.0b in net equity in pension funds
$5.3b in deposits

While liabilities were driven by:

$53.2b in loan borrowings

Deposit assets grew modestly as spending increased following the lifting of COVID-19 restrictions. Increased contributions into pension funds reflected continued growth in employment and additional personal contributions made by households prior to the end of financial year. Demand for home loan borrowing remained elevated this quarter reflecting continued momentum in housing markets from both owner-occupiers and investors.

Non-financial corporations

Non-financial corporations' $17.7b net lending position was due to a $51.5b acquisition of financial assets, offset by $33.8b incurrence of liabilities. The acquisition of assets was driven by:

$45.9b in deposits
$9.5b in equities

While liabilities were driven by:

$18.0b in loan borrowing
$13.6b in equities

The increase in non-financial corporations’ deposits reflect strong operating surpluses supported by favourable terms of trade. Loan borrowing by private non-financial corporations was driven by machinery and equipment investment with the agricultural and vehicle rental and hiring industries expanding their productive capacity.

General government

General government's $21.5b net borrowing position was due to a $50.0b incurrence of liabilities partly offset by a $28.5b acquisition of assets. Liabilities were driven by:

$28.1b net issuance of bonds
$18.7b in loans

The Commonwealth government continued to issue bonds over the quarter to finance government expenditure in national defence and transfers to state governments for natural disaster relief payments. Net issuance of bonds remained elevated during the quarter due to fewer bond maturities over the quarter. Funds raised by central borrowing authorities were passed on to their respective state and territory governments for capital expenditure on transport and health infrastructure.

Net financial investment (net lending (+) / borrowing (-))
	National net financial investment	Non-financial corporations	Financial corporations	General government	Households
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	-13.4	-31.6	-2.0	-18.8	39.0
Dec-18	-4.1	-8.0	7.2	-9.4	6.1
Mar-19	-3.1	-13.7	-5.1	-0.6	16.4
Jun-19	6.1	15.4	-34.9	-10.2	35.9
Sep-19	3.6	-0.6	-23.5	-24.8	52.6
Dec-19	5.0	-12.0	9.4	-15.5	23.1
Mar-20	9.3	-8.0	10.5	-15.6	22.3
Jun-20	17.5	49.1	2.7	-94.2	59.8
Sep-20	4.4	29.4	10.9	-115.9	80.0
Dec-20	13.7	22.1	6.0	-51.6	37.1
Mar-21	13.8	-6.0	31.4	-20.9	9.3
Jun-21	21.6	22.4	2.4	-17.7	14.5
Sep-21	13.1	-34.5	28.4	-48.9	68.1
Dec-21	9.2	-6.3	17.2	-30.4	28.7
Mar-22	7.4	-28.7	28.8	-6.1	13.3
Jun-22	18.7	17.7	22.3	-21.5	0.1

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, Mar-22	Demand for credit, Jun-22	Other changes, Jun-22	Credit market outstandings, Jun-22
Non-financial corporations
	Investment funds	550.6	11.6	-36.5	525.7
	Other private	4,261.1	25.4	-140.6	4,145.8
	Public	153.8	-0.1	-0.1	153.6
General government
	National	877.3	26.0	-43.4	859.9
	State and local	310.5	18.8	-13.3	316.1
Households		2,632.2	53.1	4.7	2,690.0
Total		8,785.5	134.9	-229.2	8,691.2

- nil or rounded to zero

Demand for credit was $134.9b in the June quarter, of which:

households borrowed $53.1b
general government borrowed $44.9b
other private non-financial corporations borrowed $25.4b

Credit market outstanding fell $94.3b (1.1%) of which $229.2b was revaluation losses. The domestic share market suffered heavy losses on fears of surging inflation and further interest rate hikes from the central bank which resulted in holding losses on the equity of other private non-financial corporations of $151.7b. Bond yields continued to climb this quarter which drove holding losses on Commonwealth government bonds of $43.4b.

Households

Household demand for credit of $53.1b was the second highest on record, driven by demand for new housing loans as auction volumes remained elevated maintaining momentum in the housing market. Both owner-occupiers and investors contributed to housing credit growth. This was supported by borrowing from unincorporated businesses that took advantage of existing government tax incentives for investment prior to the end of the financial year. This was reflected in:

$53.5b of long term loan borrowings
partly offset by $236m repayment of short term loans

General government

National general government's demand for credit of $26.0b was driven by issuance of bonds to finance investment in defence and transfers to state governments for natural disaster relief payments. State and local general government's demand for credit was $18.8b as funds raised through semi-government bonds were passed on by their respective central borrowing authorities through loans. Investment in road and rail infrastructure and construction of health and education building projects drove their appetite for credit. Funds of government were raised through:

$27.5b bond issuance by national general government
$18.3b in loan borrowings by state and local general governments

Private non-financial corporations

Business credit continued to pick up with loan borrowing the highest since March quarter 2020. The agriculture industry borrowed to invest in machinery and equipment in anticipation of a bumper harvest season while car rental businesses restocked their fleets in response to increased interstate travel. Business equity expanded as foreign owned resource companies reinvested their retained profits following a record trade surplus. Businesses financed their activity through:

loan borrowings of $18.0b
equity raising of $6.3b

Demand for credit by sector
	Other private non-financial corporations ($b)	Households ($b)	General government ($b)	Other ($b)
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	72.6	14.5	5.0	8.8
Dec-18	9.6	25.7	6.1	3.8
Mar-19	35.1	15.3	-0.3	7.5
Jun-19	39.5	4.1	12.3	-2.1
Sep-19	16.0	-0.6	26.0	8.4
Dec-19	19.0	20.3	15.9	4.3
Mar-20	53.2	2.6	35.7	4.9
Jun-20	-7.8	14.2	136.8	10.5
Sep-20	1.4	5.9	144.5	8.0
Dec-20	1.7	22.2	30.5	10.5
Mar-21	17.0	23.9	20.2	1.7
Jun-21	8.8	48.7	6.9	20.2
Sep-21	53.8	40.7	50.4	9.0
Dec-21	33.5	54.0	23.8	13.6
Mar-22	156.8	42.5	14.2	9.6
Jun-22	25.4	53.1	44.9	11.5

Demand for credit by sector

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

[["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","Mar-22","Jun-22"],[[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],[72.599999999999994],[9.5999999999999996],[35.100000000000001],[39.5],[16],[19],[53.200000000000003],[-7.7999999999999998],[1.3999999999999999],[1.7],[17],[8.8000000000000007],[53.799999999999997],[33.5],[156.80000000000001],[25.399999999999999]],[[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],[14.5],[25.699999999999999],[15.300000000000001],[4.0999999999999996],[-0.59999999999999998],[20.300000000000001],[2.6000000000000001],[14.199999999999999],[5.9000000000000004],[22.199999999999999],[23.899999999999999],[48.700000000000003],[40.700000000000003],[54],[42.5],[53.100000000000001]],[[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],[6.0999999999999996],[-0.29999999999999999],[12.300000000000001],[26],[15.9],[35.700000000000003],[136.80000000000001],[144.5],[30.5],[20.199999999999999],[6.9000000000000004],[50.399999999999999],[23.800000000000001],[14.199999999999999],[44.899999999999999]],[[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],[3.7999999999999998],[7.5],[-2.1000000000000001],[8.4000000000000004],[4.2999999999999998],[4.9000000000000004],[10.5],[8],[10.5],[1.7],[20.199999999999999],[9],[13.6],[9.5999999999999996],[11.5]]]

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Households

Balance sheet

Household balance sheet, $b
		Amounts outstanding, Mar-22	Transactions, Jun-22	Other changes (a), Jun-22	Holding gains/losses, Jun-22	Amounts outstanding, Jun-22
Non-financial assets
	Land and dwellings	10,151.7	12.6	7.3	-169.4	10,002.2
	Other non-financial assets	727.2	1.7	-	3.9	732.8
Financial assets
	Superannuation reserves	3,630.3	42.0	-	-294.3	3,378.0
	Shares and other equity	1,245.3	1.9	-	-21.2	1,226.0
	Currency and deposits	1,497.8	5.3	-	2.0	1,505.1
	Other financial assets	383.7	6.4	-	-22.0	368.1
Liabilities
	Loans	2,627.2	53.2	-	4.7	2,685.1
	Other liabilities	141.7	2.2	-	-	144.0
Wealth (Net worth)		14,867.1	14.4	7.3	-505.7	14,383.0
Memorandum item
	Consumer durables (b)	478.9	4.7	-	-	486.8

- 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, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, June-22
Total assets		85.6	6,755.8	56.8	6,757.2	55.5	6,477.2
Deposits		46.1	1,413.8	35.2	1,448.1	5.3	1,455.5
Shares and equity		3.1	1,224.2	-1.9	1,245.3	1.9	1,226.0
Net equity in reserves		24.9	3,265.7	26.1	3,220.0	39.3	3,011.3
	Pension funds	25.2	3,111.0	25.2	3,066.0	38.0	2,878.1
Other assets		11.5	852.0	-2.6	843.7	8.9	784.3

Liabilities

Household selected liabilities, $b
	Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities	56.9	2,725.6	43.4	2,769.2	55.4	2,829.3
Short term loans	1.5	59.5	-0.9	58.5	-0.2	58.3
Long term loans	52.7	2,525.1	43.5	2,568.7	53.5	2,626.8
Other liabilities	2.7	141.0	0.9	142.0	2.2	144.2

Household wealth fell 3.3% ($484.0b) to $14,383.0b at the end of the June quarter. This was the first decline in household wealth since the beginning of the pandemic in March 2020 and was driven by weakness in the housing market and revaluation losses in superannuation assets.

Wealth per capita fell 3.5% (-$20,151) to $553,954 per person.

Non-financial assets

Non-financial assets owned by households decreased 1.3% (-$143.9b), driven by a:

$149.5b fall in land and dwellings

Holding losses on residential land and dwellings reflected falls in property prices over the quarter, particularly in Victoria and New South Wales.

Financial assets

Financial assets of households fell 4.1% (-$280.0b), driven by a:

$252.3b fall in superannuation reserves
$19.3b fall in shares and other equity, offset by a
$7.3b rise in currency and deposits

Poor performance across domestic and overseas share markets this quarter drove the falls in superannuation and equity assets. Superannuation losses were partially offset by strong contributions ($38.0b) reflecting improved labour market conditions and a rise in voluntary contributions towards the end of the financial year.

Total household deposits increased at a subdued rate of 0.5%. Other deposit balances rose as households took advantage of higher interest rates on term deposit accounts, while transferable deposit balances fell, reflecting increased spending opportunities and cost of living pressures.

Liabilities

Household liabilities increased 2.2% ($60.2b), driven by a:

$39.7b rise in housing loans, offset by a
$0.2b fall in short term loans

The growth in housing loans reflects continued activity in the property market over the quarter, despite increases in interest rates and falling house prices in some states. The rise continues to be driven by both owner-occupier and investor loans, which increased by $27.7b and $12.0b respectively.

Household wealth, contribution to growth, quarterly
	Net worth (ppt)	Assets: Land and dwellings (ppt)	Assets: Superannuation (ppt)	Assets: Equity (ppt)	Liabilities: Housing loans (ppt)	Assets: Deposits (ppt)
Jun-09	5.3	2.9	2.3	0.3	-0.5	0.1
Sep-09	6.5	4.0	2.0	0.6	-0.4	0.3
Dec-09	5.8	5.0	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	-2.0	-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	0.3	-0.2	0.2
Jun-12	2.3	0.4	1.9	-0.1	-0.3	0.1
Sep-12	1.0	-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	0.3	-0.2	0.1
Jun-13	0	1.1	-0.8	0	-0.3	0.1
Sep-13	3.0	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	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	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	0.2	-0.2	0
Sep-18	0.3	-0.5	0.5	0.2	-0.2	0.3
Dec-18	-2.0	-0.6	-1.1	-0.1	-0.2	0.1
Mar-19	0.6	-1.2	1.4	0.3	-0.1	0.1
Jun-19	3.1	0.7	2.1	0.3	-0.2	0
Sep-19	3.2	2.1	0.6	0.2	-0.1	0.2
Dec-19	2.6	2.0	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	1.5	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	1.4	0.5	-0.2	0.2
Mar-21	4.6	3.8	0.6	0.2	-0.2	0.1
Jun-21	4.5	3.4	0.9	0.3	-0.3	0
Sep-21	5.5	4.5	0.4	0.2	-0.3	0.6
Dec-21	4.8	4.0	0.7	0.1	-0.3	0.3
Mar-22	0.7	1.0	-0.3	0.1	-0.3	0.2
Jun-22	-3.3	-1.0	-1.7	-0.1	-0.3	0

Household wealth, contribution to growth, quarterly

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

[["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","Mar-22","Jun-22"],[[5.2999999999999998],[6.5],[5.7999999999999998],[3.5],[-1.8],[1.3999999999999999],[1.1000000000000001],[-0.20000000000000001],[-0.5],[-3.2000000000000002],[0.10000000000000001],[1.6000000000000001],[2.2999999999999998],[1],[2.7000000000000002],[2.1000000000000001],[0],[3],[3.2999999999999998],[1.8999999999999999],[1.6000000000000001],[2.1000000000000001],[3.3999999999999999],[3.2999999999999998],[2.3999999999999999],[1.3999999999999999],[1.8],[-0.20000000000000001],[3.2000000000000002],[2.5],[3.6000000000000001],[2.3999999999999999],[1.6000000000000001],[0.29999999999999999],[2.7999999999999998],[-0.10000000000000001],[0.90000000000000002],[0.29999999999999999],[-2],[0.59999999999999998],[3.1000000000000001],[3.2000000000000002],[2.6000000000000001],[-2.2999999999999998],[2.2000000000000002],[3.1000000000000001],[5.5],[4.5999999999999996],[4.5],[5.5],[4.7999999999999998],[0.69999999999999996],[-3.2999999999999998]],[[2.8999999999999999],[4],[5],[3.1000000000000001],[-0.40000000000000002],[0.29999999999999999],[0.40000000000000002],[-0.20000000000000001],[0.10000000000000001],[-2],[-0.29999999999999999],[0.40000000000000002],[0.40000000000000002],[-0.20000000000000001],[1.6000000000000001],[0.80000000000000004],[1.1000000000000001],[1.2],[2.3999999999999999],[1],[1.3],[1.1000000000000001],[2.2000000000000002],[1.5],[2.7000000000000002],[1.5],[0.5],[0.10000000000000001],[1.6000000000000001],[1.3999999999999999],[2.7999999999999998],[1.7],[1.7],[0.10000000000000001],[1.7],[0.20000000000000001],[-0.29999999999999999],[-0.5],[-0.59999999999999998],[-1.2],[0.69999999999999996],[2.1000000000000001],[2],[0.90000000000000002],[-0.20000000000000001],[2.1000000000000001],[3.2999999999999998],[3.7999999999999998],[3.3999999999999999],[4.5],[4],[1],[-1]],[[2.2999999999999998],[2],[0.80000000000000004],[0.40000000000000002],[-0.59999999999999998],[0.69999999999999996],[0.80000000000000004],[0.40000000000000002],[0],[-1.1000000000000001],[0.20000000000000001],[1],[1.8999999999999999],[0.80000000000000004],[0.90000000000000002],[1],[-0.80000000000000004],[1.3],[0.69999999999999996],[0.59999999999999998],[0.29999999999999999],[0.69999999999999996],[0.80000000000000004],[1.3],[0.10000000000000001],[-0.29999999999999999],[0.90000000000000002],[-0.20000000000000001],[1.7],[0.90000000000000002],[0.5],[0.69999999999999996],[0.20000000000000001],[0],[1],[-0.20000000000000001],[1],[0.5],[-1.1000000000000001],[1.3999999999999999],[2.1000000000000001],[0.59999999999999998],[0.59999999999999998],[-2.5],[1.5],[0.29999999999999999],[1.3999999999999999],[0.59999999999999998],[0.90000000000000002],[0.40000000000000002],[0.69999999999999996],[-0.29999999999999999],[-1.7]],[[0.29999999999999999],[0.59999999999999998],[0],[0],[-0.40000000000000002],[0.20000000000000001],[0.10000000000000001],[0],[-0.10000000000000001],[-0.20000000000000001],[0.10000000000000001],[0.29999999999999999],[-0.10000000000000001],[0.20000000000000001],[0.20000000000000001],[0.29999999999999999],[0],[0.29999999999999999],[0.10000000000000001],[0.29999999999999999],[0.20000000000000001],[0.20000000000000001],[0.29999999999999999],[0.40000000000000002],[0],[0],[0.40000000000000002],[0],[0.20000000000000001],[0.29999999999999999],[0.20000000000000001],[0.20000000000000001],[0],[0.10000000000000001],[0.29999999999999999],[0],[0.20000000000000001],[0.20000000000000001],[-0.10000000000000001],[0.29999999999999999],[0.29999999999999999],[0.20000000000000001],[0.10000000000000001],[-0.59999999999999998],[0.29999999999999999],[0.10000000000000001],[0.5],[0.20000000000000001],[0.29999999999999999],[0.20000000000000001],[0.10000000000000001],[0.10000000000000001],[-0.10000000000000001]],[[-0.5],[-0.40000000000000002],[-0.40000000000000002],[-0.29999999999999999],[-0.40000000000000002],[-0.29999999999999999],[-0.29999999999999999],[-0.29999999999999999],[-0.20000000000000001],[-0.29999999999999999],[-0.20000000000000001],[-0.20000000000000001],[-0.29999999999999999],[-0.20000000000000001],[-0.20000000000000001],[-0.20000000000000001],[-0.29999999999999999],[0],[-0.40000000000000002],[-0.20000000000000001],[-0.40000000000000002],[-0.29999999999999999],[-0.29999999999999999],[-0.29999999999999999],[-0.40000000000000002],[-0.20000000000000001],[-0.29999999999999999],[-0.29999999999999999],[-0.29999999999999999],[-0.20000000000000001],[-0.20000000000000001],[-0.20000000000000001],[-0.29999999999999999],[-0.20000000000000001],[-0.29999999999999999],[-0.20000000000000001],[-0.20000000000000001],[-0.200000000000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Private non-financial corporations

Financial assets

Private non-financial corporations' selected financial assets, $b
	Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total assets	36.1	1,841.8	140.5	1,902.6	49.0	1,959.7
Deposits	14.4	758.4	12.8	768.1	44.8	820.4
Shares and equity	24.8	653.0	126.1	689.8	9.5	685.1
Other accounts receivable	-4.2	219.3	-2.4	226.7	-1.3	226.2
Other assets	1.1	211.1	4.0	217.9	-3.9	227.9

Liabilities

Private non-financial corporations' selected liabilities, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities		41.8	4,861.2	171.4	5,033.5	31.7	4,898.3
Total debt securities		0.5	287.4	6.2	275.9	3.8	279.8
Loans		3.5	941.4	17.7	958.9	20.3	989.8
	Authorised deposit taking institutions	20.0	616.3	27.4	641.8	21.2	667.3
	Rest of world	-14.8	233.1	0.9	235.8	-4.6	237.5
Shares and equity		40.7	3,378.3	143.7	3,534.5	13.6	3,360.6
	Households	6.1	800.8	3.1	813.6	3.8	808.3
	Rest of world	26.1	1,251.3	118.2	1,364.7	-6.4	1,305.9
Other liabilities		-3.0	254.1	3.8	264.2	-6.0	268.1

Private non-financial corporations demand for credit of $31.7b, was driven by:

$20.3b borrowing of loans,
$13.6b issuance of equity, and
$3.8b issuance of debt securities.

Private non-financial corporations' demand for credit
	Total liabilities ($b)	Debt securities ($b)	Loans ($b)	Equities ($b)
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	83.4	-0.8	35.7	46.4
Dec-18	8.1	-4.4	7.4	6.7
Mar-19	37.5	-3.1	20.2	23.0
Jun-19	29.1	3.8	1.5	28.8
Sep-19	28.4	-2.0	10.7	12.2
Dec-19	18.7	-1.8	2.1	23.2
Mar-20	58.4	-9.0	50.6	12.0
Jun-20	-5.2	-1.9	-27.7	31.4
Sep-20	12.9	-8.6	-6.2	25.0
Dec-20	10.8	-15.5	-9.9	32.6
Mar-21	28.5	1.7	10.2	8.3
Jun-21	20.7	-3.4	7.7	11.8
Sep-21	69.4	-6.0	16.4	53.1
Dec-21	41.8	0.5	3.5	40.7
Mar-22	171.4	6.2	17.7	143.7
Jun-22	31.7	3.8	20.3	13.6

Private non-financial corporations' demand for credit

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

[["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","Mar-22","Jun-22"],[[-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],[83.400000000000006],[8.0999999999999996],[37.5],[29.100000000000001],[28.399999999999999],[18.699999999999999],[58.399999999999999],[-5.2000000000000002],[12.9],[10.800000000000001],[28.5],[20.699999999999999],[69.400000000000006],[41.799999999999997],[171.40000000000001],[31.699999999999999]],[[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],[-3.1000000000000001],[3.7999999999999998],[-2],[-1.8],[-9],[-1.8999999999999999],[-8.5999999999999996],[-15.5],[1.7],[-3.3999999999999999],[-6],[0.5],[6.2000000000000002],[3.7999999999999998]],[[-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],[35.700000000000003],[7.4000000000000004],[20.199999999999999],[1.5],[10.699999999999999],[2.1000000000000001],[50.600000000000001],[-27.699999999999999],[-6.2000000000000002],[-9.9000000000000004],[10.199999999999999],[7.7000000000000002],[16.399999999999999],[3.5],[17.699999999999999],[20.300000000000001]],[[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],[46.399999999999999],[6.7000000000000002],[23],[28.800000000000001],[12.199999999999999],[23.199999999999999],[12],[31.399999999999999],[25],[32.600000000000001],[8.3000000000000007],[11.800000000000001],[53.100000000000001],[40.700000000000003],[143.69999999999999],[13.6]]]

[]

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Private non-financial corporations favoured increasing debt over the raising of equity to source funds. This resulted in:

the debt-to-equity ratio (adjusted for price changes) remained unchanged at 0.62.

Growth in loan borrowings outweighed equity this quarter as firms borrowed to increase investment in machinery & equipment. Equity raising on the listed share market was low this quarter, though there was continued strength in retained earnings reflecting businesses' strong gross operating surplus.

Private non-financial corporations' debt to equity ratio
	Debt to equity ratio, adjusted for price changes, June 2002 base	Debt to equity ratio
Jun-02	0.60	0.60
Sep-02	0.61	0.62
Dec-02	0.61	0.59
Mar-03	0.61	0.59
Jun-03	0.60	0.57
Sep-03	0.60	0.54
Dec-03	0.59	0.52
Mar-04	0.59	0.50
Jun-04	0.60	0.50
Sep-04	0.60	0.48
Dec-04	0.64	0.48
Mar-05	0.64	0.48
Jun-05	0.73	0.52
Sep-05	0.74	0.50
Dec-05	0.76	0.51
Mar-06	0.77	0.50
Jun-06	0.79	0.52
Sep-06	0.80	0.52
Dec-06	0.83	0.51
Mar-07	0.85	0.50
Jun-07	0.85	0.49
Sep-07	0.90	0.51
Dec-07	0.93	0.54
Mar-08	0.95	0.60
Jun-08	0.96	0.60
Sep-08	0.98	0.69
Dec-08	0.99	0.81
Mar-09	0.94	0.79
Jun-09	0.88	0.70
Sep-09	0.86	0.63
Dec-09	0.84	0.60
Mar-10	0.83	0.60
Jun-10	0.82	0.64
Sep-10	0.81	0.60
Dec-10	0.77	0.55
Mar-11	0.78	0.55
Jun-11	0.76	0.56
Sep-11	0.78	0.63
Dec-11	0.80	0.64
Mar-12	0.80	0.61
Jun-12	0.81	0.65
Sep-12	0.81	0.64
Dec-12	0.81	0.62
Mar-13	0.81	0.61
Jun-13	0.80	0.65
Sep-13	0.80	0.62
Dec-13	0.80	0.63
Mar-14	0.79	0.62
Jun-14	0.79	0.62
Sep-14	0.79	0.63
Dec-14	0.78	0.63
Mar-15	0.79	0.62
Jun-15	0.78	0.64
Sep-15	0.79	0.67
Dec-15	0.79	0.66
Mar-16	0.80	0.65
Jun-16	0.79	0.63
Sep-16	0.78	0.60
Dec-16	0.77	0.60
Mar-17	0.76	0.58
Jun-17	0.76	0.58
Sep-17	0.75	0.58
Dec-17	0.74	0.54
Mar-18	0.74	0.56
Jun-18	0.73	0.53
Sep-18	0.73	0.53
Dec-18	0.73	0.55
Mar-19	0.73	0.52
Jun-19	0.71	0.51
Sep-19	0.72	0.52
Dec-19	0.71	0.50
Mar-20	0.73	0.61
Jun-20	0.70	0.53
Sep-20	0.68	0.51
Dec-20	0.66	0.48
Mar-21	0.67	0.48
Jun-21	0.67	0.46
Sep-21	0.66	0.46
Dec-21	0.64	0.44
Mar-22	0.61	0.42
Jun-22	0.62	0.46

Private non-financial corporations' debt to equity ratio

["","Debt\u00a0to\u00a0equity\u00a0ratio,\u00a0adjusted\u00a0for\u00a0price\u00a0changes,\u00a0June 2002 base","Debt\u00a0to\u00a0equity\u00a0ratio"]

[["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","Mar-22","Jun-22"],[[0.59999999999999998],[0.60999999999999999],[0.60999999999999999],[0.60999999999999999],[0.59999999999999998],[0.59999999999999998],[0.58999999999999997],[0.58999999999999997],[0.59999999999999998],[0.59999999999999998],[0.64000000000000001],[0.64000000000000001],[0.72999999999999998],[0.73999999999999999],[0.76000000000000001],[0.77000000000000002],[0.79000000000000004],[0.80000000000000004],[0.82999999999999996],[0.84999999999999998],[0.84999999999999998],[0.90000000000000002],[0.93000000000000005],[0.94999999999999996],[0.95999999999999996],[0.97999999999999998],[0.98999999999999999],[0.93999999999999995],[0.88],[0.85999999999999999],[0.83999999999999997],[0.82999999999999996],[0.81999999999999995],[0.81000000000000005],[0.77000000000000002],[0.78000000000000003],[0.76000000000000001],[0.78000000000000003],[0.80000000000000004],[0.80000000000000004],[0.81000000000000005],[0.81000000000000005],[0.81000000000000005],[0.81000000000000005],[0.80000000000000004],[0.80000000000000004],[0.80000000000000004],[0.79000000000000004],[0.79000000000000004],[0.79000000000000004],[0.78000000000000003],[0.79000000000000004],[0.78000000000000003],[0.79000000000000004],[0.79000000000000004],[0.80000000000000004],[0.79000000000000004],[0.78000000000000003],[0.77000000000000002],[0.76000000000000001],[0.76000000000000001],[0.75],[0.73999999999999999],[0.73999999999999999],[0.72999999999999998],[0.72999999999999998],[0.72999999999999998],[0.72999999999999998],[0.70999999999999996],[0.71999999999999997],[0.70999999999999996],[0.72999999999999998],[0.69999999999999996],[0.68000000000000005],[0.66000000000000003],[0.67000000000000004],[0.67000000000000004],[0.66000000000000003],[0.64000000000000001],[0.60999999999999999],[0.62]],[[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],[0.55000000000000004],[0.52000000000000002],[0.51000000000000001],[0.52000000000000002],[0.5],[0.60999999999999999],[0.53000000000000003],[0.51000000000000001],[0.47999999999999998],[0.47999999999999998],[0.46000000000000002],[0.46000000000000002],[0.44],[0.41999999999999998],[0.46000000000000002]]]

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Financial corporations

Financial assets and liabilities

Financial corporations' financial assets, $b
	Amounts outstanding, Mar-22	Transactions, Jun-22	Other changes, Jun-22	Amounts outstanding, Jun-22
Central bank	671.2	3.5	-10.5	664.2
Authorised deposit taking institutions	4,731.3	62.9	257.7	5,051.9
Other broad money institutions	185.6	9.9	-2.3	193.2
Pension funds	2,893.4	30.4	-203.2	2,720.6
Life insurance corporations	191.0	1.3	-17.0	175.3
Non-life insurance corporations	271.2	5.5	-12.9	263.8
Money market investment funds	35.4	-5.0	0.1	30.4
Non-money market investment funds	1,174.4	-20.1	-84.0	1,070.3
Central borrowing authorities	526.1	27.8	-15.7	538.2
Securitisers	800.4	9.3	0.3	810.1
Other financial corporations	113.8	-27.4	29.5	116.0

- nil or rounded to zero

Financial corporations' liabilities, $b
	Amounts outstanding, Mar-22	Transactions, Jun-22	Other changes, Jun-22	Amounts outstanding, Jun-22
Central bank	672.6	-1.0	-6.2	665.4
Authorised deposit taking institutions	4,897.6	5.1	198.5	5,101.2
Other broad money institutions	154.7	5.4	-4.7	155.4
Pension funds	3,115.5	31.3	-204.5	2,942.3
Life insurance corporations	188.1	1.6	-22.1	167.7
Non-life insurance corporations	278.3	-2.0	2.2	278.6
Money market investment funds	35.4	-4.9	0.0	30.4
Non-money market investment funds	1,298.1	6.6	-84.5	1,220.1
Central borrowing authorities	508.3	29.9	-18.1	520.1
Securitisers	814.3	28.8	-7.1	836.0
Other financial corporations	218.1	-24.9	31.8	225.0

Authorised deposit-taking institutions (ADIs)

Financial assets

Authorised deposit taking institutions' selected financial assets, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total assets		68.2	4,577.2	24.4	4,731.3	62.9	5,051.9
Deposits		34.3	502.4	15.5	517.2	-15.5	502.7
Bonds		11.9	713.5	87.1	775.7	60.6	817.3
	Securitisers	16.9	360.9	85.0	441.0	15.6	454.2
	National general government	-14.1	88.4	-10.0	73.3	7.8	78.0
Loans		86.9	2,733.4	-6.2	2,720.2	102.3	2,834.6
Other assets		-64.9	627.8	-72.1	718.2	-84.5	897.3

Liabilities

Authorised deposit taking institutions' selected liabilities, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities		56.3	4,732.8	14.6	4,897.6	5.1	5,101.2
Deposits		72.9	2,864.6	56.0	2,912.4	63.5	2,991.9
	Other private non-fin corps	9.8	699.5	10.6	707.8	43.0	756.7
	Pension funds	-3.8	238.1	1.1	238.9	23.5	263.1
	Households	45.7	1,393.4	34.7	1,427.7	4.8	1,433.5
Bonds		7.8	443.3	26.8	441.8	19.5	462.2
Shares and equities		-5.1	608.5	-5.9	630.7	-1.5	537.1
Other liabilities		-19.3	816.4	-62.4	912.8	-76.4	1,109.9

ADIs acquired $60.6b of bonds and $15.0b of short-term debt securities during June quarter 2022 in order to build their holdings of high quality liquid assets in response to the wind-down of the Committed Liquidity Facility over 2022. ADI deposit assets with the Reserve Bank of Australia (RBA) decreased $19.1b this quarter and this is the first fall since September quarter 2020, reflecting the cessation of the RBA’s bond purchase program on 10 February. This resulted in a:

$19.1b reduction in deposits with the central bank
$4.7b acquisition of bonds issued by the national general government
$22.4b acquisition of bonds issued by central borrowing authorities
$4.8b acquisition of one name paper issued by central borrowing authorities
$7.7b acquisition of one name paper issued by national general government

ADIs loan assets increased significantly, with a:

$38.7b increase in loans to households
$35.0b increase in loans to rest of world
$23.6b increase in loans to other private non-financial corporations

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)
Jun-09	47.6	12.4	7.6	29.8	-12.0	21.4	-10.6
Sep-09	4.6	-18.1	-3.3	3.5	-15.1	28.0	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	5.0	-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	12.0	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	-1.0	12.8	-12.3	31.6	0.3
Sep-11	55.0	5.4	0.2	22.0	-2.5	29.1	1.4
Dec-11	-7.8	-17.7	-4.6	-10.7	-0.9	24.5	-2.6
Mar-12	21.0	-5.3	5.4	28.2	-10.3	-0.7	2.8
Jun-12	21.0	-6.5	0.9	-6.1	-2.3	34.1	-0.6
Sep-12	3.4	2.1	-0.6	39.5	-16.0	-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	1.0
Jun-13	41.4	-4.0	-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	25.0	-30.5	27.9	1.3
Jun-14	38.2	0.8	5.4	7.8	-24.0	46.7	1.3
Sep-14	35.6	1.7	-3.7	42.2	-9.0	6.0	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	-18.0	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	-40.0	34.3	3.0
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	-45.1	2.5	-13.9	-2.2	-53.2	21.2	0.7
Dec-18	14.1	-0.8	5.3	2.9	-23.2	25.5	1.4
Mar-19	-19.0	0.5	-1.9	0	-28.4	4.5	4.7
Jun-19	-44.6	1.5	-5.3	6.7	-33.3	-11.9	-0.3
Sep-19	-15.3	2.8	-3.9	5.2	-43.6	27.8	-0.7
Dec-19	-20.2	2.9	4.8	-7.3	-47.8	25.5	-1.9
Mar-20	205.8	76.3	9.4	211.0	-20.3	-88.1	19.3
Jun-20	-128.9	-22.6	7.6	130.0	-115.0	-119.2	-3.2
Sep-20	-61.2	-20.1	-14.4	-31.7	-48.6	27.6	20.2
Dec-20	-44.6	49.8	1.4	-76.7	-49.1	33.5	-6.6
Mar-21	-2.5	98.7	-15.4	-75.5	-66.0	58.1	7.3
Jun-21	-21.9	132.8	2.1	-136.7	-71.0	27.9	18.5
Sep-21	57.3	55.0	-5.0	11.4	-64.2	59.3	0.8
Dec-21	68.2	34.3	9.2	11.9	-60.6	86.9	-17.0
Mar-22	24.4	15.5	0.5	87.1	-75.8	-6.2	6.3
Jun-22	62.9	-15.5	15.0	60.6	-107.2	102.3	0.3

Change in authorised deposit taking institutions' assets

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

[["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","Mar-22","Jun-22"],[[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],[-45.100000000000001],[14.1],[-19],[-44.600000000000001],[-15.300000000000001],[-20.199999999999999],[205.80000000000001],[-128.90000000000001],[-61.200000000000003],[-44.600000000000001],[-2.5],[-21.899999999999999],[57.299999999999997],[68.200000000000003],[24.399999999999999],[62.899999999999999]],[[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],[-20.100000000000001],[49.799999999999997],[98.700000000000003],[132.80000000000001],[55],[34.299999999999997],[15.5],[-15.5]],[[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],[4.7999999999999998],[9.4000000000000004],[7.5999999999999996],[-14.4],[1.3999999999999999],[-15.4],[2.1000000000000001],[-5],[9.1999999999999993],[0.5],[15]],[[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],[-2.2000000000000002],[2.8999999999999999],[0],[6.7000000000000002],[5.2000000000000002],[-7.2999999999999998],[211],[130],[-31.699999999999999],[-76.700000000000003],[-75.5],[-136.69999999999999],[11.4],[11.9],[87.099999999999994],[60.600000000000001]],[[-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],[-75.799999999999997],[-107.2]],[[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],[21.199999999999999],[25.5],[4.5],[-11.9],[27.800000000000001],[25.5],[-88.099999999999994],[-119.2],[27.600000000000001],[33.5],[58.100000000000001],[27.899999999999999],[59.299999999999997],[86.900000000000006],[-6.2000000000000002],[102.3]],[[-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],[0.69999999999999996],[1.3999999999999999],[4.7000000000000002],[-0.29999999999999999],[-0.69999999999999996],[-1.8999999999999999],[19.300000000000001],[-3.2000000000000002],[20.199999999999999],[-6.5999999999999996],[7.2999999999999998],[18.5],[0.80000000000000004],[-17],[6.2999999999999998],[0.29999999999999999]]]

[]

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Liabilities of ADIs grew $203.6b, driven by a:

$79.5b increase in deposits
$152.6b increase in derivatives as a result of global market volatility, offset by
$93.5b decrease in equity as a result of falls in the value of equity of listed ADIs

ADIs' funding from deposits (transactions) grew $63.5b, with a:

$43.0b increase from other private non-financial corporations
$23.5b increase from pension funds
$4.8b increase from households

Change in authorised deposit taking institutions' liabilities
	Total liabilities ($b)	Deposits ($b)	Short-term debt ($b)	Bonds ($b)	Derivatives ($b)	Loans ($b)	Equities ($b)	Other accounts ($b)
Jun-09	23.4	0.7	19.8	-17.4	-5.9	-1.8	26.9	1.2
Sep-09	75.1	11.7	-18.8	-4.2	4.1	-13.5	95.6	0.3
Dec-09	14.5	6.7	-2.3	40.6	-32	5.5	-4.1	0.2
Mar-10	24.2	14	-3.6	2.3	8.7	-14.9	18.5	-0.9
Jun-10	6.9	40.4	3.2	13.1	8.7	-4.9	-53.5	-0.1
Sep-10	35	49.2	-29.4	-13	17.7	-13.1	23.8	-0.2
Dec-10	-2.1	26.6	11	-18.4	-17	1.9	-5	-1.3
Mar-11	37.3	38.5	6	-5.9	-6.2	-2.8	6.6	0.9
Jun-11	-0.7	23.8	-5.6	-4.2	-5.2	5.4	-14.8	-0.1
Sep-11	74.4	63	8	24	3.5	6.5	-31	0.3
Dec-11	-18.1	-1.3	3.9	-22.7	4.2	-14.4	13	-0.8
Mar-12	27.3	2.3	6.3	4	-8.8	2.7	19.4	1.5
Jun-12	56.9	52.5	-5	-2.7	22.6	-5.1	-5.1	-0.3
Sep-12	61	47.9	-20.6	6.3	-4.8	0.4	30.6	1.2
Dec-12	30.7	31.7	9.5	-16.4	-10.5	-3.3	19.1	0.7
Mar-13	43.1	1.2	6.6	-10	-5.8	0.7	50	0.5
Jun-13	92.6	14.1	31	14.2	31.9	1.7	-3.8	3.4
Sep-13	55	50.7	-17.9	6	-18.1	0.5	33	0.8
Dec-13	100.2	40.5	1.8	14.9	17.1	4.9	21.6	-0.7
Mar-14	36.7	15.4	13.7	-5.1	-3.8	0.6	13.4	2.6
Jun-14	59.1	34.4	18.3	2.7	1.3	1.2	0.7	0.6
Sep-14	70.9	37.3	-5.8	15.7	37.7	9	-22.3	-0.7
Dec-14	146.1	37.9	20.1	18.3	44.1	-6.7	31.4	1.1
Mar-15	176.2	42.5	11.2	11.1	40.2	1.1	65.7	4.2
Jun-15	-72.8	7.6	9.6	10.2	-55.8	2.9	-49.2	1.8
Sep-15	111.7	65.9	-2.4	29.1	52.1	7	-39.6	-0.4
Dec-15	52	22.9	5.8	0.8	-32	5.3	49.2	-0.1
Mar-16	-8.8	9.8	-18.7	0.1	55.5	0.9	-58.4	2.1
Jun-16	77.2	50.5	0.1	13.5	14.1	-2	-0.7	1.7
Sep-16	1.8	42.5	-11.2	-12.5	-33.7	-4.1	20.5	0.4
Dec-16	119.3	67.8	14.1	-7.2	-4.5	3.7	48.5	-3.2
Mar-17	-23.7	1.4	1.1	-15.6	-32.9	-3.7	26.8	-0.8
Jun-17	35.2	34.6	17.1	3.2	11.9	4.8	-38.7	2.3
Sep-17	-15.9	0.3	11.4	0.6	-28	-3.1	2.5	0.5
Dec-17	45.5	33.7	-13.3	6.3	11.5	6.6	4.8	-4.2
Mar-18	35.5	10.2	11.3	25.7	6.6	4.6	-29.3	6.4
Jun-18	54.1	13.7	3.4	8.8	18.7	-0.3	13.6	-3.6
Sep-18	12.5	32.8	-29.3	14.5	-9.1	5	-6	4.6
Dec-18	10.3	1.8	22.6	4.6	20.6	-1.3	-33.2	-4.8
Mar-19	41.5	7.9	-1.5	-9.3	13.9	12.2	12.5	5.8
Jun-19	124.5	23.1	-24.3	12.5	58.6	8.9	39.9	5.9
Sep-19	121.2	52.5	-6.3	6.4	52.7	8.4	12.5	-5.1
Dec-19	-89.4	1.7	22.4	-27.3	-38.3	-1	-41.2	-5.7
Mar-20	327.5	164.7	-15	45.9	205.9	37.2	-131.1	19.9
Jun-20	-99.9	24.9	-23.8	-49.1	-70	-20.3	44.7	-6.3
Sep-20	-73.9	68.6	-27.1	-28.2	-54.9	-12.8	-20.2	0.6
Dec-20	102.2	-11.2	16.9	-14.8	35.8	-1.4	85	-8.1
Mar-21	0.7	50.5	17.5	-28.8	-99.6	-4.9	60.2	5.7
Jun-21	55.2	44.6	6.1	5.4	-29.7	-0.9	32.1	-2.4
Sep-21	131.6	92.8	22.2	-8.6	-11.8	1.7	25	10.4
Dec-21	98.3	71	48.2	-0.7	1.3	9.7	-17.1	-14
Mar-22	164.8	47.8	-12.2	-1.6	95.3	3.3	22.2	9.9
Jun-22	203.6	79.5	31.6	20.5	152.6	11.7	-93.5	1.2

Change in authorised deposit taking institutions' liabilities

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

[["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","Mar-22","Jun-22"],[[23.399999999999999],[75.099999999999994],[14.5],[24.199999999999999],[6.9000000000000004],[35],[-2.1000000000000001],[37.299999999999997],[-0.69999999999999996],[74.400000000000006],[-18.100000000000001],[27.300000000000001],[56.899999999999999],[61],[30.699999999999999],[43.100000000000001],[92.599999999999994],[55],[100.2],[36.700000000000003],[59.100000000000001],[70.900000000000006],[146.09999999999999],[176.19999999999999],[-72.799999999999997],[111.7],[52],[-8.8000000000000007],[77.200000000000003],[1.8],[119.3],[-23.699999999999999],[35.200000000000003],[-15.9],[45.5],[35.5],[54.100000000000001],[12.5],[10.300000000000001],[41.5],[124.5],[121.2],[-89.400000000000006],[327.5],[-99.900000000000006],[-73.900000000000006],[102.2],[0.69999999999999996],[55.200000000000003],[131.59999999999999],[98.299999999999997],[164.80000000000001],[203.59999999999999]],[[0.69999999999999996],[11.699999999999999],[6.7000000000000002],[14],[40.399999999999999],[49.200000000000003],[26.600000000000001],[38.5],[23.800000000000001],[63],[-1.3],[2.2999999999999998],[52.5],[47.899999999999999],[31.699999999999999],[1.2],[14.1],[50.700000000000003],[40.5],[15.4],[34.399999999999999],[37.299999999999997],[37.899999999999999],[42.5],[7.5999999999999996],[65.900000000000006],[22.899999999999999],[9.8000000000000007],[50.5],[42.5],[67.799999999999997],[1.3999999999999999],[34.600000000000001],[0.29999999999999999],[33.700000000000003],[10.199999999999999],[13.699999999999999],[32.799999999999997],[1.8],[7.9000000000000004],[23.100000000000001],[52.5],[1.7],[164.69999999999999],[24.899999999999999],[68.599999999999994],[-11.199999999999999],[50.5],[44.600000000000001],[92.799999999999997],[71],[47.799999999999997],[79.5]],[[19.800000000000001],[-18.800000000000001],[-2.2999999999999998],[-3.6000000000000001],[3.2000000000000002],[-29.399999999999999],[11],[6],[-5.5999999999999996],[8],[3.8999999999999999],[6.2999999999999998],[-5],[-20.600000000000001],[9.5],[6.5999999999999996],[31],[-17.899999999999999],[1.8],[13.699999999999999],[18.300000000000001],[-5.7999999999999998],[20.100000000000001],[11.199999999999999],[9.5999999999999996],[-2.3999999999999999],[5.7999999999999998],[-18.699999999999999],[0.10000000000000001],[-11.199999999999999],[14.1],[1.1000000000000001],[17.100000000000001],[11.4],[-13.300000000000001],[11.300000000000001],[3.3999999999999999],[-29.300000000000001],[22.600000000000001],[-1.5],[-24.300000000000001],[-6.2999999999999998],[22.399999999999999],[-15],[-23.800000000000001],[-27.100000000000001],[16.899999999999999],[17.5],[6.0999999999999996],[22.199999999999999],[48.200000000000003],[-12.199999999999999],[31.600000000000001]],[[-17.399999999999999],[-4.2000000000000002],[40.600000000000001],[2.2999999999999998],[13.1],[-13],[-18.399999999999999],[-5.9000000000000004],[-4.2000000000000002],[24],[-22.699999999999999],[4],[-2.7000000000000002],[6.2999999999999998],[-16.399999999999999],[-10],[14.199999999999999],[6],[14.9],[-5.0999999999999996],[2.7000000000000002],[15.699999999999999],[18.300000000000001],[11.1],[10.199999999999999],[29.100000000000001],[0.80000000000000004],[0.10000000000000001],[13.5],[-12.5],[-7.2000000000000002],[-15.6],[3.2000000000000002],[0.59999999999999998],[6.2999999999999998],[25.699999999999999],[8.8000000000000007],[14.5],[4.5999999999999996],[-9.3000000000000007],[12.5],[6.4000000000000004],[-27.300000000000001],[45.899999999999999],[-49.100000000000001],[-28.199999999999999],[-14.800000000000001],[-28.800000000000001],[5.4000000000000004],[-8.5999999999999996],[-0.69999999999999996],[-1.6000000000000001],[20.5]],[[-5.9000000000000004],[4.0999999999999996],[-32],[8.6999999999999993],[8.6999999999999993],[17.699999999999999],[-17],[-6.2000000000000002],[-5.2000000000000002],[3.5],[4.2000000000000002],[-8.8000000000000007],[22.600000000000001],[-4.7999999999999998],[-10.5],[-5.7999999999999998],[31.899999999999999],[-18.100000000000001],[17.100000000000001],[-3.7999999999999998],[1.3],[37.700000000000003],[44.100000000000001],[40.200000000000003],[-55.799999999999997],[52.100000000000001],[-32],[55.5],[14.1],[-33.700000000000003],[-4.5],[-32.899999999999999],[11.9],[-28],[11.5],[6.5999999999999996],[18.699999999999999],[-9.0999999999999996],[20.600000000000001],[13.9],[58.600000000000001],[52.700000000000003],[-38.299999999999997],[205.90000000000001],[-70],[-54.899999999999999],[35.799999999999997],[-99.599999999999994],[-29.699999999999999],[-11.800000000000001],[1.3],[95.299999999999997],[152.59999999999999]],[[-1.8],[-13.5],[5.5],[-14.9],[-4.9000000000000004],[-13.1],[1.8999999999999999],[-2.7999999999999998],[5.4000000000000004],[6.5],[-14.4],[2.7000000000000002],[-5.0999999999999996],[0.40000000000000002],[-3.2999999999999998],[0.69999999999999996],[1.7],[0.5],[4.9000000000000004],[0.59999999999999998],[1.2],[9],[-6.7000000000000002],[1.1000000000000001],[2.8999999999999999],[7],[5.2999999999999998],[0.90000000000000002],[-2],[-4.0999999999999996],[3.7000000000000002],[-3.7000000000000002],[4.7999999999999998],[-3.1000000000000001],[6.5999999999999996],[4.5999999999999996],[-0.29999999999999999],[5],[-1.3],[12.199999999999999],[8.9000000000000004],[8.4000000000000004],[-1],[37.200000000000003],[-20.300000000000001],[-12.800000000000001],[-1.3999999999999999],[-4.9000000000000004],[-0.90000000000000002],[1.7],[9.6999999999999993],[3.2999999999999998],[11.699999999999999]],[[26.899999999999999],[95.599999999999994],[-4.0999999999999996],[18.5],[-53.5],[23.800000000000001],[-5],[6.5999999999999996],[-14.800000000000001],[-31],[13],[19.399999999999999],[-5.0999999999999996],[30.600000000000001],[19.100000000000001],[50],[-3.7999999999999998],[33],[21.600000000000001],[13.4],[0.69999999999999996],[-22.300000000000001],[31.399999999999999],[65.700000000000003],[-49.200000000000003],[-39.600000000000001],[49.200000000000003],[-58.399999999999999],[-0.69999999999999996],[20.5],[48.5],[26.800000000000001],[-38.700000000000003],[2.5],[4.7999999999999998],[-29.300000000000001],[13.6],[-6],[-33.200000000000003],[12.5],[39.899999999999999],[12.5],[-41.200000000000003],[-131.09999999999999],[44.700000000000003],[-20.199999999999999],[85],[60.200000000000003],[32.100000000000001],[25],[-17.100000000000001],[22.199999999999999],[-93.5]],[[1.2],[0.29999999999999999],[0.20000000000000001],[-0.90000000000000002],[-0.10000000000000001],[-0.20000000000000001],[-1.3],[0.90000000000000002],[-0.10000000000000001],[0.29999999999999999],[-0.80000000000000004],[1.5],[-0.29999999999999999],[1.2],[0.69999999999999996],[0.5],[3.3999999999999999],[0.80000000000000004],[-0.69999999999999996],[2.6000000000000001],[0.59999999999999998],[-0.69999999999999996],[1.1000000000000001],[4.2000000000000002],[1.8],[-0.40000000000000002],[-0.10000000000000001],[2.1000000000000001],[1.7],[0.40000000000000002],[-3.2000000000000002],[-0.80000000000000004],[2.2999999999999998],[0.5],[-4.2000000000000002],[6.4000000000000004],[-3.6000000000000001],[4.5999999999999996],[-4.7999999999999998],[5.7999999999999998],[5.9000000000000004],[-5.0999999999999996],[-5.7000000000000002],[19.899999999999999],[-6.2999999999999998],[0.59999999999999998],[-8.0999999999999996],[5.7000000000000002],[-2.3999999999999999],[10.4],[-14],[9.9000000000000004],[1.2]]]

[]

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Pension (superannuation) funds

Financial assets

Pension (superannuation) funds' selected financial assets, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total assets		17.7	2,943.2	23.0	2,893.4	30.4	2,720.6
Deposits		-4.5	248.3	2.1	249.7	23.5	274.6
Bonds		-3.4	110.2	6.6	107.4	8.3	107.9
Shares and equity		28.7	2,453.6	9.2	2,383.9	-1.2	2,195.5
	Other private non-fin corps	10.3	417.7	12.2	438.1	6.1	395.6
	Non-money market investment funds	-10.5	990.2	-9.8	947.5	-5.0	871.0
	Rest of world	22.4	546.4	6.7	502.2	-7.3	471.5
Net equity in life offices		-1.6	16.0	-0.4	15.5	1.7	14.9
Other assets		-1.6	115.1	5.5	136.8	-1.9	127.8

Liabilities

Pension (superannuation) funds' selected liabilities, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities		20.9	3,162.0	22.7	3,115.5	31.3	2,942.3
Net equity in reserves		25.3	3,115.7	25.4	3,070.6	38.2	2,882.2
	Households	25.2	3,111.0	25.2	3,066.0	38.0	2,878.1
Other liabilities		-4.4	46.2	-2.6	44.8	-7.0	60.1

Total financial assets of pension (superannuation) funds decreased 6.0% (-$173.7b), with a:

$188.4b decrease in shares and other equity
$24.9b increase in deposits
$500m increase in bonds

Economic conditions in the overseas and domestic markets drove valuation losses of $187.2b due to rising inflation and anticipation of further rate increases from central banks. Pension funds sold off $1.2b in shares and other equity particularly from overseas, non-money market funds, authorised deposit taking institutions and money market funds. The divestment from overseas shares (-$7.3b) was the first since the June quarter 2020. Deposit levels increased as pension funds sought protection from volatility in share markets. Pension funds also acquired $8.3b in bonds while increased bond yields drove valuation losses of $7.8b in these assets.

Pension funds' transactions in financial assets
	Total assets ($b)	Deposits ($b)	Bonds ($b)	Equities ($b)	Other ($b)
Jun-09	35.2	8.1	5.5	17.0	4.6
Sep-09	17.6	1.3	5.1	8.1	3.1
Dec-09	13.8	-0.2	-2.5	18.9	-2.4
Mar-10	17.5	2.7	3.4	12.5	-1.1
Jun-10	16.1	-1.0	0.8	14.6	1.7
Sep-10	9.1	5.0	-2.0	5.6	0.5
Dec-10	15.4	0.5	1.8	14.2	-1.2
Mar-11	17.1	2.8	-1.9	7.3	8.9
Jun-11	25.7	15.6	-1.7	11.4	0.4
Sep-11	11.1	3.1	-2.0	11.2	-1.2
Dec-11	13.1	3.3	-2.1	8.0	3.9
Mar-12	18.7	2.2	-1.5	14.3	3.7
Jun-12	33.1	18.5	-2.2	14.9	1.8
Sep-12	14.1	-0.7	2.3	12.7	-0.3
Dec-12	16.7	1.5	1.3	18.0	-4.1
Mar-13	19.1	4.1	0.9	14.9	-0.8
Jun-13	38.2	4.7	0.0	22.0	11.5
Sep-13	13.5	2.8	2.0	9.6	-0.8
Dec-13	24.6	2.4	1.8	20.6	-0.3
Mar-14	20.8	6.0	-0.6	15.2	0.3
Jun-14	32.1	1.4	0.5	26.7	3.4
Sep-14	24.0	2.0	-1.9	24.8	-0.8
Dec-14	21.8	-0.1	-2.0	24.1	-0.2
Mar-15	16.8	2.1	-1.6	14.0	2.2
Jun-15	35.1	1.7	0.9	24.9	7.5
Sep-15	19.4	-2.7	-0.8	23.9	-1.0
Dec-15	16.5	0.5	-0.1	14.4	1.7
Mar-16	7.4	-2.8	-2.0	14.1	-1.9
Jun-16	30.3	11.1	0.4	21.3	-2.5
Sep-16	12.5	-1.4	7.2	78.5	-71.7
Dec-16	19.4	-2.4	5.1	17.8	-1.1
Mar-17	19.0	4.7	1.0	11.6	1.8
Jun-17	39.5	18.1	0.8	10.9	9.6
Sep-17	10.9	-16.7	3.6	21.0	2.9
Dec-17	20.9	-4.4	5.3	26.0	-6.1
Mar-18	15.1	-1.9	3.0	15.3	-1.2
Jun-18	23.8	3.2	6.4	18.8	-4.8
Sep-18	12.4	2.6	-0.9	14.3	-3.7
Dec-18	14.6	-5.6	4.0	13.5	2.7
Mar-19	14.7	3.3	2.2	12.5	-3.3
Jun-19	27.1	8.6	8.7	44.4	-34.6
Sep-19	12.9	6.5	4.0	16.2	-13.8
Dec-19	23.9	-6.3	3.3	20.7	6.3
Mar-20	13.6	37.0	-9.8	-8.5	-5.2
Jun-20	9.2	2.3	4.2	55.5	-52.7
Sep-20	8.4	-12.6	-4.7	25.4	0.4
Dec-20	19.6	-11.2	6.1	25.1	-0.5
Mar-21	25.0	5.2	2.7	20.2	-3.1
Jun-21	39.0	10.1	-0.4	24.6	4.7
Sep-21	17.1	-9.2	-3.3	37.0	-7.4
Dec-21	17.7	-4.5	-3.4	28.7	-3.2
Mar-22	23.0	2.1	6.6	9.2	5.2
Jun-22	30.4	23.5	8.3	-1.2	-0.2

Pension funds' transactions in financial assets

["","Total assets","Deposits","Bonds","Equities","Other"]

[["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","Mar-22","Jun-22"],[[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],[12.4],[14.6],[14.699999999999999],[27.100000000000001],[12.9],[23.899999999999999],[13.6],[9.1999999999999993],[8.4000000000000004],[19.600000000000001],[25],[39],[17.100000000000001],[17.699999999999999],[23],[30.399999999999999]],[[8.0999999999999996],[1.3],[-0.20000000000000001],[2.7000000000000002],[-1],[5],[0.5],[2.7999999999999998],[15.6],[3.1000000000000001],[3.2999999999999998],[2.2000000000000002],[18.5],[-0.69999999999999996],[1.5],[4.0999999999999996],[4.7000000000000002],[2.7999999999999998],[2.3999999999999999],[6],[1.3999999999999999],[2],[-0.10000000000000001],[2.1000000000000001],[1.7],[-2.7000000000000002],[0.5],[-2.7999999999999998],[11.1],[-1.3999999999999999],[-2.3999999999999999],[4.7000000000000002],[18.100000000000001],[-16.699999999999999],[-4.4000000000000004],[-1.8999999999999999],[3.2000000000000002],[2.6000000000000001],[-5.5999999999999996],[3.2999999999999998],[8.5999999999999996],[6.5],[-6.2999999999999998],[37],[2.2999999999999998],[-12.6],[-11.199999999999999],[5.2000000000000002],[10.1],[-9.1999999999999993],[-4.5],[2.1000000000000001],[23.5]],[[5.5],[5.0999999999999996],[-2.5],[3.3999999999999999],[0.80000000000000004],[-2],[1.8],[-1.8999999999999999],[-1.7],[-2],[-2.1000000000000001],[-1.5],[-2.2000000000000002],[2.2999999999999998],[1.3],[0.90000000000000002],[0],[2],[1.8],[-0.59999999999999998],[0.5],[-1.8999999999999999],[-2],[-1.6000000000000001],[0.90000000000000002],[-0.80000000000000004],[-0.10000000000000001],[-2],[0.40000000000000002],[7.2000000000000002],[5.0999999999999996],[1],[0.80000000000000004],[3.6000000000000001],[5.2999999999999998],[3],[6.4000000000000004],[-0.90000000000000002],[4],[2.2000000000000002],[8.6999999999999993],[4],[3.2999999999999998],[-9.8000000000000007],[4.2000000000000002],[-4.7000000000000002],[6.0999999999999996],[2.7000000000000002],[-0.40000000000000002],[-3.2999999999999998],[-3.3999999999999999],[6.5999999999999996],[8.3000000000000007]],[[17],[8.0999999999999996],[18.899999999999999],[12.5],[14.6],[5.5999999999999996],[14.199999999999999],[7.2999999999999998],[11.4],[11.199999999999999],[8],[14.300000000000001],[14.9],[12.699999999999999],[18],[14.9],[22],[9.5999999999999996],[20.600000000000001],[15.199999999999999],[26.699999999999999],[24.800000000000001],[24.100000000000001],[14],[24.899999999999999],[23.899999999999999],[14.4],[14.1],[21.300000000000001],[78.5],[17.800000000000001],[11.6],[10.9],[21],[26],[15.300000000000001],[18.800000000000001],[14.300000000000001],[13.5],[12.5],[44.399999999999999],[16.199999999999999],[20.699999999999999],[-8.5],[55.5],[25.399999999999999],[25.100000000000001],[20.199999999999999],[24.600000000000001],[37],[28.699999999999999],[9.1999999999999993],[-1.2]],[[4.5999999999999996],[3.1000000000000001],[-2.3999999999999999],[-1.1000000000000001],[1.7],[0.5],[-1.2],[8.9000000000000004],[0.40000000000000002],[-1.2],[3.8999999999999999],[3.7000000000000002],[1.8],[-0.29999999999999999],[-4.0999999999999996],[-0.80000000000000004],[11.5],[-0.80000000000000004],[-0.29999999999999999],[0.29999999999999999],[3.3999999999999999],[-0.80000000000000004],[-0.20000000000000001],[2.2000000000000002],[7.5],[-1],[1.7],[-1.8999999999999999],[-2.5],[-71.700000000000003],[-1.1000000000000001],[1.8],[9.5999999999999996],[2.8999999999999999],[-6.0999999999999996],[-1.2],[-4.7999999999999998],[-3.7000000000000002],[2.7000000000000002],[-3.2999999999999998],[-34.600000000000001],[-13.800000000000001],[6.2999999999999998],[-5.2000000000000002],[-52.700000000000003],[0.40000000000000002],[-0.5],[-3.1000000000000001],[4.7000000000000002],[-7.4000000000000004],[-3.2000000000000002],[5.2000000000000002],[-0.20000000000000001]]]

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Government

National general government financial assets

National general government selected financial assets, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total assets		2.6	678.3	12.1	662.9	23.2	681.7
Deposits		7.3	98.5	3.5	101.6	32.8	135.2
	Central bank	6.9	69.8	-1.9	68.0	34.0	102.0
	Authorised deposit taking institutions	0.4	21.9	4.1	26.0	-1.1	25.1
One name paper		1.1	46.4	-2.4	43.0	-7.3	35.9
Shares and equity		-0.7	201.9	2.1	175.0	4.6	178.2
Other assets		-5.1	331.5	8.9	343.3	-7.0	332.5

National general government liabilities

National general government selected liabilities, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities		18.2	1,412.0	16.0	1,372.1	30.1	1,317.9
One name paper		6.1	34.9	-5.9	29.0	-1.5	27.5
Bonds		10.2	887.0	20.5	849.0	27.5	833.1
	Central bank	25.9	282.2	17.3	281.8	2.7	273.2
	Authorised deposit taking institutions	-14.1	88.4	-10.0	73.3	7.8	78.0
	Rest of world	-7.1	399.2	16.6	386.6	15.7	377.3
Other liabilities		1.9	490.1	1.4	494.1	4.1	457.3

State and local general government financial assets

State and local general government selected financial assets, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total assets		-4.7	575.8	-2.2	576.6	5.2	589.2
Deposits		1.7	89.7	0.1	89.8	-1.1	88.7
Loans and placements		4.0	64.3	-1.9	62.4	5.7	68.1
Shares and equity		-11.1	389.5	0.0	393.2	1.6	402.6
	State and local PNFCs	0.0	309.6	0.0	313.5	0.0	325.2
	Other private non-fin corps	-11.2	39.0	-0.3	38.7	0.4	38.2
Other assets		0.7	32.4	-0.4	31.2	-0.9	29.8

- nil or rounded to zero

State and local general government liabilities

State and local general government selected liabilities, $b
		Transactions, Dec-21	Amounts outstanding, Dec-21	Transactions, Mar-22	Amounts outstanding, Mar-22	Transactions, Jun-22	Amounts outstanding, Jun-22
Total liabilities		10.1	544.3	0.0	521.3	19.8	507.8
Loans and placements		7.0	321.5	-1.4	303.5	18.5	309.2
	Central borrowing authorities	8.6	299.7	-2.3	280.8	13.4	281.4
Unfunded superannuation claims		1.0	147.1	0.9	142.2	1.0	123.1
Other liabilities		2.2	75.8	0.4	75.7	0.3	75.5

General government

General government (national, and state and local) were net borrowers of $21.5b, driven by

$28.1b in bond issuance
$13.1b in loan borrowings

National general government bond issuance rose to fund investment in defence equipment and capital transfers to state governments for disaster relief payments. Loan liabilities of state and local government grew to fund investment in road and rail infrastructure and buildings for health and education.

The total value of government bonds outstanding ($840.9b) continued to fall due to further increases in bond yields.

Deposit assets increased $32.4b, driven by stronger than expected income tax revenue and proceeds from debt issuance being reserved to pay a bond line maturity in July.

General government's change in financial position
	Net lending/borrowing ($b)	Deposits ($b)	Notes ($b)	Bonds ($b)	Loans ($b)	Other ($b)
Jun-09	-18.2	15.9	-4.8	-10.0	-1.2	-18.1
Sep-09	-29.4	-8.4	3.1	-5.5	-12.5	-6.1
Dec-09	-18.9	-3.2	-10.5	-11.9	-1.1	7.8
Mar-10	-13.8	2.8	-1.8	-10.8	-3.5	-0.5
Jun-10	-11.2	6.0	-2.3	-16.1	-1.2	2.5
Sep-10	-25.1	-5.8	-8.7	-6.5	-5.5	1.4
Dec-10	-15.2	-2.5	0.2	-11.6	4.9	-6.2
Mar-11	-17.3	2.0	0.3	-12.5	-4.5	-2.6
Jun-11	-20.2	8.0	1.2	-10.4	-7.6	-11.3
Sep-11	-30.5	-3.5	-0.3	-21.4	-13.9	8.5
Dec-11	-14.7	11.3	0.9	-22.0	-2.1	-2.9
Mar-12	-11.2	3.4	-1.7	-13.9	1.7	-0.8
Jun-12	-32.2	-7.4	1.4	-4.9	-7.3	-14.0
Sep-12	-26.2	9.3	-3.5	-15.2	-17.4	0.6
Dec-12	-11.1	2.9	-5.3	-10.8	7.5	-5.4
Mar-13	-17.3	0.5	1.8	-13.3	-3.7	-2.5
Jun-13	-11.3	1.0	14.3	-8.7	3.5	-21.4
Sep-13	-21.1	6.0	-1.5	-24.7	-12.2	11.3
Dec-13	-9.0	5.6	-0.4	-16.4	1.8	0.4
Mar-14	-11.7	13.5	8.6	-27.8	-3.3	-2.8
Jun-14	-12.2	-8.4	-3.3	-4.6	-1.2	5.3
Sep-14	-18.7	6.5	-1.7	-18.4	-4.2	-0.9
Dec-14	-13.8	0.4	-1.1	-10.9	-0.4	-1.8
Mar-15	-4.8	12.2	3.5	-16.0	-1.2	-3.4
Jun-15	-4.4	-5.1	-0.2	-7.2	5.8	2.3
Sep-15	-16.3	1.9	-1.9	-26.2	-2.7	12.5
Dec-15	-5.4	-7.0	5.8	-7.6	8.5	-5.1
Mar-16	-10.3	9.3	1.7	-22.1	0	0.8
Jun-16	-7.9	1.1	0.5	-4.8	-2.3	-2.4
Sep-16	-21.8	-3.1	3.7	-24.0	-0.3	1.9
Dec-16	-19.4	11.5	0.8	-23.7	9.4	-17.3
Mar-17	2.3	7.9	0.5	-20.7	2.3	12.2
Jun-17	-12.3	15.7	6.9	-19.8	0.1	-15.2
Sep-17	-17.8	-24.2	0.5	-0.9	-3.0	9.8
Dec-17	-3.0	8.6	-5.6	-14.7	1.3	7.4
Mar-18	-0.3	-1.0	-2.2	-5.1	2.3	5.7
Jun-18	-0.4	5.0	6.2	-11.3	6.2	-6.6
Sep-18	-18.8	-3.3	-0.3	-1.6	-1.8	-11.8
Dec-18	-9.4	-18.2	2.0	-2.3	-3.1	12.1
Mar-19	-0.6	-1.4	1.6	3.7	0.4	-5.0
Jun-19	-10.2	6.6	0.1	-10.5	-2.5	-4.0
Sep-19	-24.8	0.3	-1.3	-13.7	-8.5	-1.6
Dec-19	-15.5	-7.7	-4.0	0.9	-6.4	1.6
Mar-20	-15.6	21.2	-16.3	-15.6	-12.9	8.1
Jun-20	-94.2	46.9	-25.8	-71.0	-26.5	-17.8
Sep-20	-115.9	42.4	0.1	-117.2	-31.1	-10.1
Dec-20	-51.6	-32.3	16.5	-23.0	-21.9	9.2
Mar-21	-20.9	-15.0	14.0	-21.9	-0.6	2.6
Jun-21	-17.7	1.1	4.6	-5.7	1.1	-18.8
Sep-21	-48.9	10.1	0	-23.9	-27.0	-8.1
Dec-21	-30.4	9.0	-5.2	-10.1	-5.8	-18.3
Mar-22	-6.1	3.6	3.5	-20.0	1.2	5.6
Jun-22	-21.5	31.7	-6.1	-28.1	-13.1	-5.9

General government's change in financial position

["","Net lending\/borrowing","Deposits","Notes","Bonds","Loans","Other"]

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9999999],[-6.2000000000000002],[-2.6000000000000001],[-11.300000000000001],[8.5],[-2.8999999999999999],[-0.80000000000000004],[-14],[0.59999999999999998],[-5.4000000000000004],[-2.5],[-21.399999999999999],[11.300000000000001],[0.40000000000000002],[-2.7999999999999998],[5.2999999999999998],[-0.90000000000000002],[-1.8],[-3.3999999999999999],[2.2999999999999998],[12.5],[-5.0999999999999996],[0.80000000000000004],[-2.3999999999999999],[1.8999999999999999],[-17.300000000000001],[12.199999999999999],[-15.199999999999999],[9.8000000000000007],[7.4000000000000004],[5.7000000000000002],[-6.5999999999999996],[-11.800000000000001],[12.1],[-5],[-4],[-1.6000000000000001],[1.6000000000000001],[8.0999999999999996],[-17.800000000000001],[-10.1],[9.1999999999999993],[2.6000000000000001],[-18.800000000000001],[-8.0999999999999996],[-18.300000000000001],[5.5999999999999996],[-5.9000000000000004]]]

[]

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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 increased by $15.6b to $18.2 this quarter. This was driven by a:

$11.3b increase in national net saving
$6.6b decrease in change in inventories

Partially offset by:

$3.0b increase in gross fixed capital formation

National net lending (+) / borrowing (-), relative to GDP, seasonally adjusted
	Net lending / net borrowing relative to GDP (%)
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	-3.5
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	-2.8
Sep-18	-2.2
Dec-18	-1.3
Mar-19	-1.0
Jun-19	0.6
Sep-19	1.4
Dec-19	0.5
Mar-20	1.3
Jun-20	3.3
Sep-20	1.8
Dec-20	3.1
Mar-21	3.6
Jun-21	3.7
Sep-21	3.5
Dec-21	1.7
Mar-22	0.4
Jun-22	3.0

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 increased this quarter driven by a rise in net savings and a fall in change in inventories

Financial corporations' net lending increased by $13.8b to $15.1b
Non-financial corporations' net lending increased by $5.4b to $8.9b
General government net borrowing increased by $2.6b to $22.9b
Households' net lending decreased by $7.3b to $16.0b

Notable drivers were:

Financial corporations' net lending was driven by an increase in net saving due to a rise in interest receivable, with rises in interest rates across all loan products in line with the cash rate increases, and an increase in dividends receivable.
Non-financial corporations' net lending was driven by an increase in net savings and a decrease in change in inventories.
Households' net lending was driven by a decrease in net saving driven by a large rise in household consumption

Net lending (+) / borrowing (-), by sector, seasonally adjusted
	Non-financial corporations ($b)	Financial corporations ($b)	General government ($b)	Households ($b)
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	3.7
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	9.9
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	11.9
Dec-11	-17.5	11.0	-19.5	15.4
Mar-12	-25.0	12.3	-14.1	10.7
Jun-12	-21.2	10.8	-19.5	13.4
Sep-12	-23.7	12.3	-13.0	6.1
Dec-12	-28.8	11.7	-11.7	9.5
Mar-13	-22.1	9.7	-14.4	12.0
Jun-13	-26.0	10.2	-4.8	10.5
Sep-13	-21.3	9.1	-12.2	9.6
Dec-13	-22.2	9.0	-11.7	11.6
Mar-14	-20.7	9.2	-12.1	11.2
Jun-14	-22.7	8.2	-8.3	12.8
Sep-14	-23.6	8.6	-10.6	10.6
Dec-14	-20.5	6.3	-10.5	10.1
Mar-15	-22.7	7.7	-8.1	8.4
Jun-15	-22.6	5.7	-7.2	10.5
Sep-15	-25.3	7.8	-6.9	6.6
Dec-15	-25.2	9.4	-6.9	3.0
Mar-16	-21.8	8.2	-11.2	3.0
Jun-16	-20.2	9.4	-11.9	3.9
Sep-16	-17.6	9.1	-10.7	3.0
Dec-16	-10.8	7.8	-5.6	1.2
Mar-17	-9.4	5.4	-3.1	1.6
Jun-17	-10.5	8.4	-8.5	0.5
Sep-17	-15.1	8.3	-5.3	0.4
Dec-17	-16.1	6.1	-6.6	3.0
Mar-18	-14.9	8.2	-6.4	1.6
Jun-18	-20.5	8.0	-5.1	0.1
Sep-18	-15.5	6.6	-5.2	1.7
Dec-18	-13.9	7.0	-7.6	5.2
Mar-19	-9.5	6.9	-8.7	9.2
Jun-19	-4.1	7.3	-6.5	8.4
Sep-19	-6.3	5.5	-11.9	16.8
Dec-19	-7.5	4.6	-12.3	14.7
Mar-20	-1.4	1.3	-15.3	23.8
Jun-20	32.8	13.5	-102.5	72.5
Sep-20	30.1	5.1	-91.0	62.4
Dec-20	22.3	4.7	-51.2	37.5
Mar-21	14.8	1.3	-33.0	35.7
Jun-21	10.2	5.8	-21.9	26.9
Sep-21	3.9	5.7	-43.5	55.0
Dec-21	-3.2	6.5	-28.8	32.1
Mar-22	3.4	1.4	-20.3	23.3
Jun-22	8.9	15.1	-22.9	16.0

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 decreased to 22.2% as a proportion of GDP.

Relative to GDP:

Household investment decreased to 7.9%
Non-financial corporations' investment was flat at 9.9%
Financial corporations' investment was flat at 0.5%
General government investment increased 4.1%

While national capital investment fell as a proportion of GDP, it increased 2.3% in current price seasonally adjusted terms.

In current price seasonally adjusted terms:

Non-financial corporations' investment increased, driven by an increase in public and private non-financial corporations.
General government investment increased, driven by an increase in both national and state and local general government

Gross fixed capital formation, by sector, seasonally adjusted
	Non-financial corporations ($b)	Financial corporations ($b)	General government ($b)	Households ($b)
Jun-09	46.2	2.1	10.3	27.0
Sep-09	44.0	2.1	11.6	26.9
Dec-09	46.0	2.2	13.2	27.8
Mar-10	44.4	2.2	15.1	27.3
Jun-10	44.7	2.1	14.4	27.9
Sep-10	45.5	2.1	14.0	28.8
Dec-10	46.7	2.1	14.0	28.3
Mar-11	49.1	2.2	13.6	29.0
Jun-11	50.3	2.2	12.2	29.0
Sep-11	56.4	2.2	12.8	28.3
Dec-11	55.6	2.2	15.3	27.5
Mar-12	61.0	2.3	12.3	27.4
Jun-12	64.0	2.3	13.7	27.3
Sep-12	63.8	2.5	13.1	28.0
Dec-12	65.9	2.5	12.7	28.3
Mar-13	62.1	2.5	13.2	28.0
Jun-13	62.5	2.5	11.6	29.0
Sep-13	63.4	2.4	12.3	29.6
Dec-13	63.0	2.3	12.7	30.2
Mar-14	60.7	2.4	13.1	31.1
Jun-14	59.6	2.4	13.0	31.6
Sep-14	56.8	2.7	13.0	33.5
Dec-14	56.2	2.8	12.5	35.2
Mar-15	55.0	2.7	12.3	36.3
Jun-15	54.5	2.6	13.1	36.1
Sep-15	52.6	2.9	12.1	37.9
Dec-15	51.8	2.9	12.3	38.1
Mar-16	49.3	2.8	14.3	38.5
Jun-16	47.3	2.8	14.9	39.5
Sep-16	45.4	2.8	13.8	40.0
Dec-16	47.4	2.8	14.4	40.9
Mar-17	46.6	2.8	15.6	41.0
Jun-17	45.6	2.8	18.3	41.3
Sep-17	51.0	2.5	16.7	40.7
Dec-17	50.0	3.0	17.3	40.9
Mar-18	50.7	3.0	17.3	41.9
Jun-18	50.7	3.0	18.1	42.6
Sep-18	51.9	3.0	18.5	41.5
Dec-18	51.4	3.0	18.7	40.4
Mar-19	51.8	2.9	19.0	39.1
Jun-19	52.1	3.0	19.5	38.0
Sep-19	53.5	2.9	19.5	38.1
Dec-19	52.8	2.9	20.2	38.0
Mar-20	52.6	2.8	19.7	37.9
Jun-20	50.8	2.6	19.4	35.0
Sep-20	50.0	2.6	19.1	36.4
Dec-20	50.7	2.7	20.1	39.0
Mar-21	52.7	2.8	20.1	42.0
Jun-21	55.0	2.9	21.6	44.4
Sep-21	55.4	3.0	21.7	45.8
Dec-21	56.5	3.0	21.2	46.9
Mar-22	57.8	3.0	22.4	47.7
Jun-22	60.2	3.1	23.8	48.0

Gross fixed capital formation, by sector, seasonally adjusted

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

[["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","Mar-22","Jun-22"],[[46.200000000000003],[44],[46],[44.399999999999999],[44.700000000000003],[45.5],[46.700000000000003],[49.100000000000001],[50.299999999999997],[56.399999999999999],[55.600000000000001],[61],[64],[63.799999999999997],[65.900000000000006],[62.100000000000001],[62.5],[63.399999999999999],[63],[60.700000000000003],[59.600000000000001],[56.799999999999997],[56.200000000000003],[55],[54.5],[52.600000000000001],[51.799999999999997],[49.299999999999997],[47.299999999999997],[45.399999999999999],[47.399999999999999],[46.600000000000001],[45.600000000000001],[51],[50],[50.700000000000003],[50.700000000000003],[51.899999999999999],[51.399999999999999],[51.799999999999997],[52.100000000000001],[53.5],[52.799999999999997],[52.600000000000001],[50.799999999999997],[50],[50.700000000000003],[52.700000000000003],[55],[55.399999999999999],[56.5],[57.799999999999997],[60.200000000000003]],[[2.1000000000000001],[2.1000000000000001],[2.2000000000000002],[2.2000000000000002],[2.1000000000000001],[2.1000000000000001],[2.1000000000000001],[2.2000000000000002],[2.2000000000000002],[2.2000000000000002],[2.2000000000000002],[2.2999999999999998],[2.2999999999999998],[2.5],[2.5],[2.5],[2.5],[2.3999999999999999],[2.2999999999999998],[2.3999999999999999],[2.3999999999999999],[2.7000000000000002],[2.7999999999999998],[2.7000000000000002],[2.6000000000000001],[2.8999999999999999],[2.8999999999999999],[2.7999999999999998],[2.7999999999999998],[2.7999999999999998],[2.7999999999999998],[2.7999999999999998],[2.7999999999999998],[2.5],[3],[3],[3],[3],[3],[2.8999999999999999],[3],[2.8999999999999999],[2.8999999999999999],[2.7999999999999998],[2.6000000000000001],[2.6000000000000001],[2.7000000000000002],[2.7999999999999998],[2.8999999999999999],[3],[3],[3],[3.1000000000000001]],[[10.300000000000001],[11.6],[13.199999999999999],[15.1],[14.4],[14],[14],[13.6],[12.199999999999999],[12.800000000000001],[15.300000000000001],[12.300000000000001],[13.699999999999999],[13.1],[12.699999999999999],[13.199999999999999],[11.6],[12.300000000000001],[12.699999999999999],[13.1],[13],[13],[12.5],[12.300000000000001],[13.1],[12.1],[12.300000000000001],[14.300000000000001],[14.9],[13.800000000000001],[14.4],[15.6],[18.300000000000001],[16.699999999999999],[17.300000000000001],[17.300000000000001],[18.100000000000001],[18.5],[18.699999999999999],[19],[19.5],[19.5],[20.199999999999999],[19.699999999999999],[19.399999999999999],[19.100000000000001],[20.100000000000001],[20.100000000000001],[21.600000000000001],[21.699999999999999],[21.199999999999999],[22.399999999999999],[23.800000000000001]],[[27],[26.899999999999999],[27.800000000000001],[27.300000000000001],[27.899999999999999],[28.800000000000001],[28.300000000000001],[29],[29],[28.300000000000001],[27.5],[27.399999999999999],[27.300000000000001],[28],[28.300000000000001],[28],[29],[29.600000000000001],[30.199999999999999],[31.100000000000001],[31.600000000000001],[33.5],[35.200000000000003],[36.299999999999997],[36.100000000000001],[37.899999999999999],[38.100000000000001],[38.5],[39.5],[40],[40.899999999999999],[41],[41.299999999999997],[40.700000000000003],[40.899999999999999],[41.899999999999999],[42.600000000000001],[41.5],[40.399999999999999],[39.100000000000001],[38],[38.100000000000001],[38],[37.899999999999999],[35],[36.399999999999999],[39],[42],[44.399999999999999],[45.799999999999997],[46.899999999999999],[47.700000000000003],[48]]]

[]

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Data downloads

Download all (10.44 MB)

Time series spreadsheets

Data files

TABLE 1. Credit Market Outstandings ($ million)
Download xlsx [269.94 KB]
TABLE 2. Demand for Credit ($ million)
Download xlsx [252.98 KB]
TABLE 3. National Capital Account, Current prices ($ million)
Download xlsx [81.07 KB]
TABLE 4. National Financial Assets and Liabilities ($ million)
Download xlsx [105.01 KB]
TABLE 5. Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [78.56 KB]
TABLE 6. Financial Assets and Liabilities of Non-Financial Corporations ($ million)
Download xlsx [382.83 KB]
TABLE 7. Private Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [75.16 KB]
TABLE 8. Financial Assets and Liabilities of Private Non-Financial Corporations ($ million)
Download xlsx [377.91 KB]
TABLE 9. Financial Assets and Liabilities of Private Non-Financial Investment Funds ($ million)
Download xlsx [231.74 KB]
TABLE 10. Financial Assets and Liabilities of Other Private Non-Financial Corporations ($ million)
Download xlsx [383.82 KB]
TABLE 11. Public Non-Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [73.63 KB]
TABLE 12. Financial Assets and Liabilities of Public Non-Financial Corporations ($ million)
Download xlsx [266.05 KB]
TABLE 13. Financial Corporations Capital Account, Current prices ($ million)
Download xlsx [74.44 KB]
TABLE 14. Financial Assets and Liabilities of Financial Corporations ($ million)
Download xlsx [356.49 KB]
TABLE 15. Financial Assets and Liabilities of the Central Bank ($ million)
Download xlsx [164.58 KB]
TABLE 16. Financial Assets and Liabilities of Authorised Deposit taking Institutions ($ million)
Download xlsx [492.91 KB]
TABLE 17. Financial Assets and Liabilities of Other Broad Money Institutions ($ million)
Download xlsx [317.07 KB]
TABLE 18. Financial Assets and Liabilities of Pension Funds ($ million)
Download xlsx [226.1 KB]
TABLE 19. Pension Funds - Self-Managed Superannuation Funds Balance Sheet ($ million)
Download xlsx [69.93 KB]
TABLE 20. Financial Assets and Liabilities of Life Insurance Corporations ($ million)
Download xlsx [295.05 KB]
TABLE 21. Financial Assets and Liabilities of Non-Life Insurance Corporations ($ million)
Download xlsx [291.02 KB]
TABLE 22. Financial Assets and Liabilities of Money Market Financial Investment Funds ($ million)
Download xlsx [143.98 KB]
TABLE 23. Financial Assets and Liabilities of Non-Money Market Financial Investment Funds ($ million)
Download xlsx [272.6 KB]
TABLE 24. Financial Assets and Liabilities of Central Borrowing Authorities ($ million)
Download xlsx [260.35 KB]
TABLE 25. Financial Assets and Liabilities of Securitisers ($ million)
Download xlsx [202.16 KB]
TABLE 26. Financial Assets and Liabilities of Other Financial Corporations ($ million)
Download xlsx [318.36 KB]
TABLE 27. General Government Capital Account, Current prices ($ million)
Download xlsx [78.1 KB]
TABLE 28. Financial Assets and Liabilities of General Government ($ million)
Download xlsx [303 KB]
TABLE 29. National General Government Capital Account, Current prices ($ million)
Download xlsx [77.36 KB]
TABLE 30. Financial Assets and Liabilities of National General Government ($ million)
Download xlsx [276.98 KB]
TABLE 31. State and Local General Government Capital Account, Current prices ($ million)
Download xlsx [77.27 KB]
TABLE 32. Financial Assets and Liabilities of State and Local General Government ($ million)
Download xlsx [193.34 KB]
TABLE 33. Household Capital Account, Current prices ($ million)
Download xlsx [77.63 KB]
TABLE 34. Financial Assets and Liabilities of Households ($ million)
Download xlsx [255.84 KB]
TABLE 35. Household Balance Sheet, Current prices ($ billion)
Download xlsx [80.1 KB]
TABLE 36. Analytical Measures of Household Income, Consumption, Saving and Wealth, Current prices ($ billion)
Download xlsx [66.63 KB]
TABLE 37. Rest of World Capital Account, Current prices ($ million)
Download xlsx [67.22 KB]
TABLE 38. Financial Assets and Liabilities of Rest of World ($ million)
Download xlsx [457.38 KB]
TABLE 39. The Currency Market ($ million)
Download xlsx [80.64 KB]
TABLE 40. The Transferable Deposits Market ($ million)
Download xlsx [115.85 KB]
TABLE 41. The Other Deposits Market ($ million)
Download xlsx [127.84 KB]
TABLE 42. The Bills of Exchange Market ($ million)
Download xlsx [107.68 KB]
TABLE 43. The One Name Paper Market ($ million)
Download xlsx [357.12 KB]
TABLE 44. The Bonds Market ($ million)
Download xlsx [463.21 KB]
TABLE 45. The Derivatives and Employee Stock Options Market ($ million)
Download xlsx [190.78 KB]
TABLE 46. The Short Term Loans and Placements Market ($ million)
Download xlsx [155.33 KB]
TABLE 47. The Long Term Loans and Placements Market ($ million)
Download xlsx [356.14 KB]
TABLE 48. The Listed Shares and Other Equity Market ($ million)
Download xlsx [257.03 KB]
TABLE 49. The Unlisted Shares and Other Equity Market ($ million)
Download xlsx [320.84 KB]
TABLE 50. Accounts Payable/Receivable ($ million)
Download xlsx [396.02 KB]
TABLE 51. Financial Accounts Summary of Authorised Deposit taking Institution Deposits and Lending Split by Household Subsectors ($ million)
Download xlsx [54.23 KB]
TABLE 52. Financial Accounts Summary of Loan Outstandings to Households for Housing by Type of Lending Institution ($ million)
Download xlsx [56.74 KB]
TABLE 53. Nominal Value of Short Term Loans and Placements Market ($ million)
Download xlsx [153.5 KB]
TABLE 54. Nominal Value of Long Term Loans and Placements Market ($ million)
Download xlsx [356.72 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 March quarter 2020, 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 seasonal adjustment processes.

Methodology

Australian National Accounts: Finance and Wealth methodology, June 2022

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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 June quarter 2022

Amounts outstanding at end of June quarter 2022

National investment

Financial investment

Households

Non-financial corporations

General government

Demand for credit

Demand for credit table

Households

General government

Private non-financial corporations

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)