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JANUARY KEY FIGURES

		Dec 2011	Jan 2012	Dec 2011 to Jan 2012
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation(a)	13 965	14 075	0.8
	Personal finance	7 302	7 295	-0.1
	Commercial finance	33 114	32 690	-1.3
	Lease finance	460	466	1.4
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation(a)	14 138	14 153	0.1
	Personal finance	7 126	7 436	4.3
	Commercial finance	32 456	32 098	-1.1
	Lease finance	433	473	9.4
(a) Excludes alterations and additions

Personal Finance

Commercial Finance

• The total value of owner occupied housing commitments excluding alterations and additions rose 0.8% in trend terms and the seasonally adjusted series rose 0.1%.

• The trend series for the value of total personal finance commitments fell 0.1%. Fixed lending commitments fell 0.2%, while revolving credit commitments were flat (0.0%).
• The seasonally adjusted series for the value of total personal finance commitments rose 4.3%. Revolving credit commitments rose 8.7% and fixed lending commitments rose 0.7%.

• The trend series for the value of total commercial finance commitments fell 1.3%. Revolving credit commitments fell 3.5% and fixed lending commitments fell 0.3%.
• The seasonally adjusted series for the value of total commercial finance commitments fell 1.1% in January 2012, following a fall of 0.5% in December 2011. Fixed lending commitments fell 2.1%, after a 2.6% rise in the previous month. Revolving credit commitments rose 1.3%, after a fall of 7.1% in the previous month.

• The trend series for the value of total lease finance commitments rose 1.4% and the seasonally adjusted series rose 9.4%.

• Personal finance values for the period December 2011
• Commercial finance values for the period December 2011
• Owner occupied housing finance values for the period October 2011 to December 2011.