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DECEMBER KEY FIGURES

		Nov 2011	Dec 2011	Nov 2011 to Dec 2011
		$m	$m	% change
TREND ESTIMATES
	Housing finance for owner occupation(a)	13 808	13 905	0.7
	Personal finance	7 271	7 238	-0.5
	Commercial finance	33 696	33 644	-0.2
	Lease finance	447	456	1.9
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation(a)	13 841	14 125	2.0
	Personal finance	7 065	7 093	0.4
	Commercial finance	32 726	32 445	-0.9
	Lease finance	491	427	-13.1
(a) Excludes alterations and additions

Personal Finance

Commercial Finance

• The total value of owner occupied housing commitments excluding alterations and additions rose 0.7% in trend terms and the seasonally adjusted series rose 2.0%.

• The trend series for the value of total personal finance commitments fell 0.5%. Revolving credit commitments fell 0.8% and fixed lending commitments fell 0.1%.
• The seasonally adjusted series for the value of total personal finance commitments rose 0.4%. Revolving credit commitments rose 3.3%, while fixed lending commitments fell 1.9%.

• The trend series for the value of total commercial finance commitments fell 0.2%. Revolving credit commitments fell 1.5%, while fixed lending commitments rose 0.5%.
• The seasonally adjusted series for the value of total commercial finance commitments fell 0.9% in December 2011, following a fall 10.4% in November 2011. Revolving credit commitments fell 8.0%, following a fall 21.0% in the previous month. Fixed lending commitments rose 2.5%, after a 4.4% fall in the previous month.

• The trend series for the value of total lease finance commitments rose 1.9%, while the seasonally adjusted series fell 13.1%.

• Personal finance values for the period September 2011 to November 2011;
• Owner occupied housing finance values for the period October 2011 to November 2011.