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DECEMBER KEY FIGURES

		Nov 2015	Dec 2015	Nov 2015 to Dec 2015
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation(a)	21 619	21 902	1.3
	Personal finance	6 906	6 856	-0.7
	Commercial finance	44 258	44 106	-0.3
	Lease finance	601	602	0.1
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation(a)	21 679	21 882	0.9
	Personal finance	6 888	7 036	2.1
	Commercial finance	45 485	42 144	-7.3
	Lease finance	586	596	1.7
(a) Excludes alterations and additions

Personal Finance

Commercial Finance

• The total value of owner occupied housing commitments excluding alterations and additions rose 1.3% in trend terms, and the seasonally adjusted series rose 0.9%.

• The trend series for the value of total personal finance commitments fell 0.7%. Fixed lending commitments fell 1.0% and revolving credit commitments fell 0.3%.
• The seasonally adjusted series for the value of total personal finance commitments rose 2.1%. Fixed lending commitments rose 2.6% and revolving credit commitments rose 1.5%.

• The trend series for the value of total commercial finance commitments fell 0.3%. Revolving credit commitments rose 2.4%, while Fixed lending commitments fell 1.2%.
• The seasonally adjusted series for the value of total commercial finance commitments fell 7.3%. Revolving credit commitments fell 18.3% and fixed lending commitments fell 3.3%.

• The trend series for the value of total lease finance commitments rose 0.1% in December 2015 and the seasonally adjusted series rose 1.7%, after a fall of 3.8% in November 2015.