Total Debt

Reserve Bank of Australia 755890937.
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A B
1 D2 LENDING AND CREDIT AGGREGATES
12 Jun-1993 347.8
13 Jun-1994 370.9
14 Jun-1995 405.6
15 Jun-1996 457.8
16 Jun-1997 501.7
17 Jun-1998 562.0
18 Jun-1999 625.1
19 Jun-2000 698.0
20 Jun-2001 773.1
21 Jun-2002 868.8
22 Jun-2003 962.4
23 Jun-2004 1089.4
24 Jun-2005 1235.3
25 Jun-2006 1417.5
26 Jun-2007 1636.5
27 Jun-2008 1854.7
28 Jun-2009 1914.1
29 Jun-2010 1964.8
30 Jun-2011 2020.0
31 Jun-2012 2111.9
32 Jun-2013 2174.7
05/19/2024 12:51:35 Page 1

D2 Lending and Credit Aggregates
Financial aggregates are compiled by the RBA using data primarily supplied by banks and non-bank financial institutions a
some data supplied by the ABS.
Up to and including June 2000, figures for banks are averages of weekly (Wednesday) figures and figures for non-bank
financial institutions (NBFIs) are averages of end-month figures for the current and previous months. From July 2000, figur
for both banks and NBFIs are end-month. Prior to January 1989, figures for savings bank deposits are averages of end-
month or near end-month figures for the current and previous months.
The data have breaks due to changes from time to time in the number of reporting institutions and other reporting changes
Seasonal adjustment is done by the RBA.
‘Loans and advances by banks’ includes: all loans and advances to the private sector (including public trading enterprises)
on the balance sheets of banks, net of loans to NBFIs; and selected short-term debt securities held by banks, issued by th
private non-intermediary sector.
‘Loans and advances by NBFIs’ includes: all loans and advances to the private sector (including public trading enterprises
on the balance sheets of building societies, credit unions, SCCIs, RFCs (money market corporations, finance companies,
pastoral finance companies and general financiers) and cash management trusts, net of loans to banks; and selected shor
term debt securities held by NBFIs, issued by the private non-intermediary sector.
Until March 2002, ‘Bills on issue’ includes all bills of exchange accepted or endorsed by banks. From March 2002 until Apr
2003, this series only includes selected bills of exchange accepted or endorsed by banks. From April 2003, this series also
includes all bills of exchange accepted or endorsed by NBFIs (prior to April 2003, bills of exchange accepted or endorsed b
NBFIs were included in ‘Loans and advances by NBFIs’ and ‘Loans and advances by AFIs’).
‘Narrow credit’ includes ‘Loans and advances by AFIs’ plus ‘Bills on issue’.
‘Credit (incl securitisations)’ includes ‘Narrow credit’, securitised loans provided by AFIs, as well as loans provided by some
non-AFIs.
‘Owner-occupier housing’ refers to loans to individuals for owner-occupied housing, and finance for the purchase of land
where construction of a dwelling for owner occupation is expected. It includes outstanding owner-occupier housing loans
provided by AFIs and some non-AFIs.
‘Investor housing’ refers to loans to individuals for investment (i.e. non-owner-occupied) housing, and finance for the
purchase of land where construction of a dwelling for non-owner occupation is expected. It includes outstanding investor
housing loans provided by AFIs and some non-AFIs.
‘Other personal’ includes outstanding personal loans to households (not including housing loans) provided by AFIs and so
non-AFIs.
‘Business’ includes ‘Bills on issue’ and outstanding loans to businesses provided by AFIs and some non-AFIs. Prior to Apr
2002, ‘Business’ was in part derived as a residual item and may have contained some non-business lending. From April
2002, ‘Business’ also includes funds advanced through purchases of marketable debt securities.
‘Lending to the government sector by AFIs’ comprises AFI holdings of Commonwealth Government securities, local and
semi-government and other public authority securities, AFI lending through loans and overdrafts, and bill acceptances and
endorsements. From April 2003, this series excludes holdings of Commonwealth Government securities by RFCs. More
detail on bank lending to the government sector is presented in statistical Table ‘D5: Bank Lending Classified by Sector’.
The RBA credit aggregates measure credit provided by financial institutions operating domestically. They do not capture
cross-border or non-intermediated lending.
D2 LENDING AND CREDIT AGGREGATES – BREAKS IN SERIES
Three break types are identified: A - Breaks in series due to the establishment of new banks. All new banks shown. Date refers to th
B - Breaks in series due to other changes in bank reporting. Some smaller breaks are not listed.
C - Breaks in series due to changes in the coverage and reporting of non-banks. Other than the cou
Prior to January 2007, details about each of these breaks at ea'Historical series breaks'.
A more detailed explanation of the impact of breaks is contained in 'Technical Note: Series Breaks in Bank, NBFI and Financial Aggrega
Date Break type Series title

Jan-1989 B All series
Jul-1989 B All series
Jul-1992 A All series
Jun-1993 B All series
Oct-1994 B All series
Sep-1995 A All series
Mar-1996 B All series
Dec-1996 B All series
Feb-1997 B All series
Apr-1997 B All series
May-1997 B All series
Jul-1998 C All series
Aug-1998 B All series
Aug-1998 C All series
Sep-1998 B All series
Sep-1998 C All series
Dec-1999 C All series
Mar-2000 C All series
Jun-2000 A All series
Feb-2001 C All series
May-2001 C All series
Jun-2001 C All series
Oct-2001 C All series
Apr-2002 C All series
Aug-2002 A All series
Nov-2002 B All series
Nov-2002 C All series
Dec-2002 A All series
Jan-2003 C All series
Jan-2004 A All series
Jan-2008 A All series
Oct-2008 A All series
Feb-2012 A All series
Mar-2012 A All series
Apr-2012 A All series
Mar-2013 A All series
Oct-2014 A All series
Apr-2015 A All series
ablishment of new banks. All new banks shown. Date refers to the first month in which the institution reported as a bank.
changes in bank reporting. Some smaller breaks are not listed.
es in the coverage and reporting of non-banks. Other than the counterpart breaks associated with the conversion of NBFIs to banks and transfer of ass
al series breaks'.
chnical Note: Series Breaks in Bank, NBFI and Financial Aggregate Tables' in the December 1992 Bulletin.
Details
Transfer of assets: Transfer of approximately $0.6 billion of loans from an MMC to a bank.
Reclassification of items by a bank (or banks): Reclassification of approximately $0.5 billion of loans by a bank.
Transfer of assets: Transfer of approximately $0.7 billion of loans from an MMC to a bank.
Change in collection coverage: Exit of an FCGF.
Transfer of assets: Transfer of approximately $0.5 billion from an FCGF to a bank.
New bank: Allied Irish Banks, Public Limited Company.
Change in collection coverage: Entry of new FCGFs.
Change in collection coverage: Entry of a new FCGF.
Adjustment for double counting: Exclusion of approximately $4.4 billion of bank lending to non-traditional lenders and securitising trusts f
Adjustment for double counting: Reduction in bank lending to non-traditional lenders and securitising trusts of approximately $0.2 billion.
New bank: Standard Bank, Public Limited Company.
New bank: Industrial and Commercial Bank of China Limited.
Reclassification of assets: Reclassification of approximately $3.3 billion of assets by a bank.
Reporting change: Change in reporting of assets and liabilities by a bank.
Reclassification of assets: Reclassification of approximately $1.0 billion of assets by an MMC.
Reclassification of items by a bank (or banks): Reclassification of approximately $1.8 billion of assets by banks.
Reclassification of items by a bank (or banks): Reclassification of approximately $1.3 billion of assets by a bank.
Transfer of assets: Transfer of approximately $0.7 billion between a bank and a non-reporting entity.
New bank: The Northern Trust Company.
Reporting change: Change in reporting of lending by a bank.
Reclassification of assets: Reclassification of assets by a credit union.
Reclassification of assets: Reclassification of approximately $3.2 billion by a bank.
Reporting change: Change in reporting of assets and liabilities by a bank.
Reporting change: Change in reporting of assets by a bank.
Reclassification of assets: Reclassification of assets by an MMC.
Transfer of assets: Transfer of approximately $3.9 billion between an FCGF and a bank.
Reclassification of items by a bank (or banks): Reclassification of assets by a bank.
Transfer of assets: Transfer of approximately $0.3 billion between an MMC and other institution.
New bank: First Commercial Bank.
New bank: The Bank of New York Mellon.
Transfer of assets: Transfer of approximately $3.4 billion of assets between an FCGF and a bank.
Transfer of assets: Transfer of approximately $3.4 billion of assets between an FCGF and a bank and related change in liabilities.
Transfer of assets: Transfer of approximately $0.3 billion between an MMC and a foreign-based institution.
Transfer of assets: Transfer of approximately $2.6 billion between an MMC and a bank.
Transfer of assets: Transfer of approximately $1.0 billion between a bank and a foreign entity.
Transfer of assets: Transfer of approximately $2.6 billion between an MMC and a bank.
Change in collection coverage: Deregistration of an FCGF.
Change in collection coverage: Break due to de-registration of a bank
Reporting change: Change in reporting of lending by a FCGF.
Reclassification of items by a bank (or banks): Reclassification of assets by banks.
Reporting change: Change in reporting of lending by a NBFI.
Reclassification of assets: Reclassification of approximately $0.1 billion by a bank
Reporting change: Change in reporting of lending by a bank.
Reclassification of items by an FCGF: Reclassification of assets.
Transfer of assets: Transfer of approximately $1 billion between a bank and a foreign entity
Transfer of assets: Transfer of assets between a FCGF and a foreign entity
Change in collection coverage: Exit of a FCGF.
Transfer of assets: Transfer of approximately $1 billion between a bank and a foreign entity.
Transfer of assets: Transfer of assets between a FCGF and a foreign entity
New bank: China Construction Bank Corporation
Reclassification of assets: Reclassification of assets by a bank.
New bank: Lloyds TS Bank plc
Change in collection coverage: De-registration of a bank
Change in collection coverage: Exit of a Credit Union.
Reclassification of assets: Reclassification of assets by a building society
Reclassification of assets: Reclassification of assets by a FCGF.
Reclassification of assets: Reclassification of assets by a Bank
Reclassification of Assets: Recalssification of assets by an RFC
Reclassification of assets: Reclassification of assets by a MMC.
Adjustment for double counting: Exclusion of approximately $3 billion of bank lending to non-traditional lenders and securitising trusts fro
Transfer of assets: Transfer of assets due to the transition of a credit union to a bank.
Adjustment for collection coverage of RFCs
Reclassification of assets: Reclassification of assets by a bank
Transfer of assets: Transfer of assets due to the transition of a building society to a bank.
Reclassification of assets: Reclassification of assets by an RFC.
Change in collection coverage: Entry of an RFC
Transfer of Assets: Transfer of assets due to an RFC being consolidated into a bank
Reclassification of assets: Reclassification of assets by an RFC
Reclassification of assets: Reclassification of assets by bank
Adjustment for double counting: Exclusion of approcimately $0.1 billion of RFC lending
Reclassification of assets: Reclassification of assets by a Bank
Adjustment for double counting: Inclusion of approcimately $0.2 billion of RFC lending
Reporting change: Change in reporting of liabilities by a bank
Adjustment for double counting: Inclusion of approximately $0.5 billion of bank lending to non-traditional lenders and securitising trusts fr
Reclassification of assets: Reclassification of assets by credit union
Reclassification of liabilities: Reclassification of liabilities by a bank
Adjustement for double counting: Exclusion of approcimately $0.3 billion of RFC lending
Transfer of Assets: Transfer of Assets due to the sale of loans by a bank.
Transfer of Assets: Transfer of assets due to the sale of loans by a bank
Reporting change: Change in reporting of liabilities by a bank.
Adjustment for double counting: Inclusion of approcimately $0.2 billion of RFC lending
Transfer of Assets: Transfer of assets due to the purchase of loans by a bank
Reporting change: Change in reporting of liabilities by a bank
Reporting change: Change in reporting of assets by an FC
Adjustment for double counting: Inclusion of approximately $0.1 billion of RFC lending
Transfer of Assets: Transfer of assets due to the sale of loans by an RFC
Reporting change: Change in reporting of assets by a credit union
Reclassification of assets: Reclassification of approximately $1.4 billion of assets by a bank
Adjustment for double counting: double counting of RFC assets
Reclassification of assets: Reclassification of approximately $0.2 billion of assets by an FC.
Adjustment for collection coverage of banks
Adjustment for double counting: Exclusion of approximately $0.1 billion of RFC lending
Adjustment for collection coverage of credit unions
Reclassification of items by an FC: Reclassification of assets.
Reporting change: Change in reporting of assets by a credit union.
Reclassification of assets: Reclassification of approximately $3 billion of assets by a bank
Adjustment for double counting: Exclusion of approximately $1.6 billion of bank lending to non-traditional lenders and securitising trusts i
Reporting change: Change in reporting of assets by an RFC.
Reclassification of Assets: Reclassification of approximately $0.1 billion of assets by a credit union.
Adjustment for double counting: Bank lending to non-traditional lenders and securitising trusts included in business credit decreased by
Adjustment for double counting: Bank lending to non-traditional lenders and securitising trusts included in business credit increased by a
Transfer of Assets: Transfer of assets due to the purchase of loans by an RFC.
Transfer of Assets: Transfer of assets due to the sale of loans by an RFC.
Reclassificaiton of liabilities: Reclassification of approximately $0.7 billion of liabilities by a bank
Reclassification of assets: Reclassification of assets by a building society.
Adjustment for collection coverage of FCs: RFCs with total assets of less than $200 million no longer required to report to APRA monthly
Adjustment for collection coverage of credit unions: Credit unions and building societies with total assets of less than $200 million no lon
Reclassification of assets: Reclassification of approximately $0.2 billion of assets by an FC.
Reclassification of assets: Reclassification of approximatley $0.1 billion of assets by a credit union.
Adjustment for collection coverage of FCs.
Reclassification of assets: Reclassification of approximately $0.1 billion of assets by a FC.
Adjustment for collection coverage of Credit Unions.
Reclassification of assets: Reclassification of assets by a FC
Reclassification of assets: Reclassification of approximately $2 billion of assets by a FC
Transfer of assets: Transfer of approximatley $0.4 billion of assets due to the sale of loans by a bank.
Reclassification of assets: Reclassification of approximately $0.3b of assets by a bank
Transfer of assets: Transfer of assets between a bank and non-reporting entities
Reclassification of assets: Reclassification of approximately $0.2b of assets by a RFC
Transfer of assets: Transfer of approximately $0.9b between a RFC and a non-reporting entity
Reclassification of assets: Reclassification of approximately $0.1 billion of assets by a bank
Reporting change: Change in reporting of liabilities by a bank.
Adjustment for changes to loan purpose: Owner-occupied housing credit increased, and investor housing credit decreased, by approxim
Transfer of assets: Transfer of approximately $0.7b between a RFC and a non-reporting entity
Reclassification of assets: Reclassification of approximately $1.8b of assets by a FC.
eported as a bank.
conversion of NBFIs to banks and transfer of assets and liabilities from NBFIs to banks. Some smaller breaks are not listed.
lion of loans by a bank.


to non-traditional lenders and securitising trusts from business credit.

d securitising trusts of approximately $0.2 billion.



lion of assets by banks.

lion of assets by a bank.



nd a bank and related change in liabilities.
n-based institution.



non-traditional lenders and securitising trusts from business credit.


o non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts in business credit.
trusts included in business credit decreased by approximately $0.4 billion.
trusts included in business credit increased by approximately $0.2 billion.

ion no longer required to report to APRA monthly.
with total assets of less than $200 million no longer required to report to APRA monthly.

ns by a bank.



d investor housing credit decreased, by approximately $0.4 billion due to net changes to loan purpose.




Total Debt

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Reserve Bank of Australia 755890937.

05/19/2024 12:51:35 Page 1

Date Break type Series title

lion of loans by a bank.

lion of loans by a bank.

lion of loans by a bank.

to non-traditional lenders and securitising trusts from business credit.

lion of loans by a bank.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

d securitising trusts of approximately $2.8 billion.

d securitising trusts of approximately $1.0 billion.

d securitising trusts of approximately $2.6 billion.

to non-traditional lenders and securitising trusts from business credit.

d securitising trusts of approximately $0.5 billion.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

d securitising trusts of approximately $3.7 billion.

d securitising trusts of approximately $0.7 billion.

d securitising trusts of approximately $0.3 billion.

d securitising trusts of approximately $1.0 billion.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

nd a bank and related change in liabilities.

d securitising trusts of approximately $0.8 billion.

d securitising trusts of approximately $1.3 billion.

d securitising trusts of approximately $0.5 billion.

d securitising trusts of approximately $3.1 billion.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

d securitising trusts of approximately $0.9 billion.

d securitising trusts of approximately $0.3 billion.

d securitising trusts of approximately $0.6 billion.

d securitising trusts of approximately $0.7 billion.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

o non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

o non-traditional lenders and securitising trusts from business credit.

o non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

o non-traditional lenders and securitising trusts from business credit.

o non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts from business credit.

to non-traditional lenders and securitising trusts in business credit.

trusts included in business credit decreased by approximately $0.4 billion.

trusts included in business credit increased by approximately $0.2 billion.

trusts included in business credit increased by approximately $0.5 billion.