LENDING BY FINANCIAL INSTITUTIONS
The lending activities of financial institutions are grouped for statistical purposes into four major types of lending - housing, personal, commercial and leasing. Information regarding housing finance is presented in the Housing chapter. Table 27.26 shows the size of commitments by financial institutions for the four types of lending activity. It should be noted that, although commitments are firm offers of finance made by institutions that have been accepted by borrowers, not all commitments are taken up by borrowers.
Lease finance
Table 27.27 shows the value of lease finance commitments made by significant lenders (banks, money market corporations, finance companies, general financiers, etc.) to trading and financial enterprises, non-profit organisations, governments, public authorities and individuals.
Personal finance
Table 27.28 shows the value of commitments made by significant lenders (banks, credit cooperatives, finance companies, etc.) to lend to individuals for their own personal (non-business) use.
27.28 PERSONAL FINANCE COMMITMENTS,
By type of lender(a) |
|  |
| 2004-05 | 2005-06 | 2006-07 | |
| $m | $m | $m | |
| |
| All banks | 56 813 | 59 317 | 63 537 | |
| Finance companies | np | 3 278 | 3 173 | |
| Credit cooperatives | np | 3 183 | 3 427 | |
| Other lenders(b) | 7 982 | 9 171 | 9 924 | |
| Total | 73 130 | 74 949 | 80 061 | |
| |
| np not available for publication but included in totals where applicable, unless otherwise indicated |
| (a) Includes both fixed loan facilities and new and increased lending commitments under revolving credit facilities. |
| (b) Includes permanent building societies, general financiers and retailers. |
| Source: Lending Finance, Australia (5671.0). |
Commercial finance
Table 27.29 shows the value of commitments, made by significant lenders (banks, finance companies, money market corporations, etc.) to lend to government, private and public enterprises, non-profit organisations and individuals for investment and business purposes.
27.29 COMMERCIAL FINANCE COMMITMENTS, By type of lender(a) |
| |
| 2004-05 | 2005-06 | 2006-07 | |
| $m | $m | $m | |
| |
| All banks | 263 644 | 320 035 | 388 651 | |
| Finance companies | 4 608 | 4 638 | 4 870 | |
| Money market corporations | 4 096 | 5 431 | np | |
| Other lenders(b) | 37 124 | 40 018 | np | |
| Total | 309 472 | 370 122 | 453 780 | |
| |
| np not available for publication but included in totals where applicable, unless otherwise indicated |
| (a) Includes both fixed loan facilities and new and increased lending commitments under revolving credit facilities. |
| (b) Includes permanent building societies, general financiers and pastoral finance companies. |
| Source: Lending Finance, Australia (5671.0). |
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