KEY POINTS
- In seasonally adjusted terms, lending commitments to households rose 1.3% in June 2019, following a 1.6% fall in May.
- The rise in lending to households was driven by owner occupier dwellings excluding refinancing (up 2.4%) and personal finance excluding refinancing (up 4.9%).
- In trend terms, lending commitments for owner occupier dwellings excluding refinancing fell 0.1% and investment dwellings excluding refinancing fell 0.9% in June 2019.
- There were rises in the number of new lending commitments to owner occupier first home buyers (2.1%) and owner occupier non-first home buyers (0.4%), in seasonally adjusted terms. The number of first home buyers fell 4.6% on June 2018.
- Personal finance excluding refinancing rose 4.9% in seasonally adjusted terms in June 2019 but is down 10.9% from June 2018.
- Lending to households for refinancing fell 2.1% in seasonally adjusted terms, following a 0.2% rise in May 2019.
- In trend terms, the value of lending commitments to businesses rose 1.1% in June and is up 8.2% from June 2018.
KEY FIGURES
 | | | Value of loan commitments |
| | | Value | Month Percent Change | Year Percent Change |
| | | $m | % | % |
Trend |
|
| Total lending | 66 980 | 0.5 | -3.7 |
| Lending to households(a)(b) | 30 627 | -0.2 | -14.7 |
| | Lending to households for dwellings excluding refinancing(c) | 16 695 | -0.3 | -18.1 |
| | Lending to households for personal finance excluding refinancing | 4 907 | 0.4 | -14.0 |
| Lending to businesses | 36 352 | 1.1 | 8.2 |
Seasonally Adjusted |
|
| Total lending | 64 344 | -8.8 | -9.0 |
| Lending to households(a)(b) | 30 861 | 1.3 | -13.6 |
| | Lending to households for dwellings excluding refinancing(c) | 16 820 | 1.9 | -17.6 |
| | Lending to households for personal finance excluding refinancing | 5 096 | 4.9 | -10.9 |
| Lending to businesses | 33 484 | -16.5 | -4.4 |
|
| (a) Includes alterations and additions and refinancing |
| (b) Components may not sum to total due to independent seasonal adjustment |
| (c) Excludes alterations and additions |
Lending to Households, Value of commitments
| Lending to Businesses, Value of commitments
|
NOTES
FORTHCOMING ISSUES
| ISSUE | Release Date |
| July 2019 | 9 September 2019 |
| August 2019 | 10 October 2019 |
| September 2019 | 8 November 2019 |
| October 2019 | 17 December 2019 |
| November 2019 | 16 January 2020 |
| December 2019 | 11 February 2020 |
FORTHCOMING CHANGES
The Australian Prudential Regulation Authority (APRA) collects data from financial institutions for the Australian Bureau of Statistics (ABS) and the Reserve Bank of Australia (RBA) using various ‘forms'. Data from these forms is used to compile this publication. The current forms were introduced in 2002.
Over the past few years, APRA, the ABS and the RBA have worked to modernise the set of forms and banks have adapted their infrastructure to report on the new forms. The new set of forms is called the Economic and Financial Statistics (EFS) collection. EFS will give more detailed and better quality data on lending to households and businesses.
Changes from the implementation of EFS will be incorporated into the October 2019 publication of Lending to households and businesses, to be released on 17 December 2019. An information paper which outlines the changes in more detail will be released in October 2019.
REVISIONS IN THIS ISSUE
There are revisions to the data in this issue due to the incorporation of more up-to-date data and concurrent seasonal adjustment. For information on seasonal adjustment and trend estimation please refer to explanatory notes of this publication.
ROUNDING
Where figures have been rounded, discrepancies may occur between the sums of the component items and totals.
PRIVACY
The ABS Privacy Policy outlines how the ABS will handle any personal information that you provide to the ABS.
INQUIRIES
For further information about these and related statistics, contact the National Information and Referral Service on 1300 135 070.
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