Debt | Outstanding business loans, SMEs | Australian Dollar, Millions |  | 189 198 | 204 591 | 204 681 | 225 167 | 235 982 | 239 993 | 243 110 | 251 393 | 261 505 | 271 388 | 281 388 | 283 697 | 426 631 |
Outstanding business loans, total | Australian Dollar, Millions |  | 699 871 | 767 471 | 713 201 | 689 172 | 712 918 | 732 689 | 745 093 | 778 401 | 831 972 | 875 498 | 904 545 | 954 829 | 974 192 |
Share of SME outstanding loans (% of total outstanding business loans) | Percentage | | 27.03 | 26.66 | 28.7 | 32.67 | 33.1 | 32.76 | 32.63 | 32.3 | 31.43 | 31 | 31.11 | 29.71 | 43.79 |
New business lending, SMEs | Australian Dollar, Millions |  | 77 517 | 79 914 | 69 562 | 82 506 | 81 561 | 73 674 | 79 146 | 85 395 | 91 155 | 86 717 | 79 656 | 76 705 | 185 239 |
New business lending, total | Australian Dollar, Millions |  | 374 997 | 336 145 | 265 484 | 265 820 | 310 696 | 273 774 | 292 446 | 360 467 | 391 677 | 341 840 | 345 952 | 346 868 | .. |
Share of new SME lending (% of total new lending) | Percentage | | 20.67 | 23.77 | 26.2 | 31.04 | 26.25 | 26.91 | 27.06 | 23.69 | 23.27 | 25.37 | 23.03 | 22.11 | .. |
Non-performing loans, total (% of all business loans) | Percentage |  | 0.5 | 2.07 | 3.27 | 3.55 | 3.16 | 2.68 | 2.03 | 1.39 | 1.01 | 1.13 | 0.78 | 0.81 | 0.92 |
Interest rate, SMEs | Percentage |  | 8.66 | 8.04 | 7.6 | 8.4 | 8.02 | 7.13 | 6.54 | 6.27 | 5.63 | 5.36 | 5.28 | 5.33 | 4.18 |
Interest rate, large firms | Percentage |  | 7.95 | 6.34 | 5.94 | 7.02 | 6.74 | 5.5 | 4.77 | 4.6 | 3.9 | 3.49 | 3.43 | 3.72 | 2.48 |
Interest rate spread (% points) | Percentage | | 0.71 | 1.7 | 1.66 | 1.38 | 1.28 | 1.63 | 1.77 | 1.67 | 1.73 | 1.87 | 1.85 | 1.61 | 1.7 |
Non-bank finance | Growth capital and venture capital | Australian Dollar, Millions |  | 6 939 | 8 315 | 7 903 | 8 912 | 8 700 | 7 652 | 8 348 | 7 907 | 8 802 | 9 213 | 10 575 | 11 001 | 12 162 |
Growth capital and venture capital (%, Year-on-year growth rate) | Percentage | | .. | 19.83 | -4.95 | 12.77 | -2.38 | -12.05 | 9.1 | -5.28 | 11.32 | 4.67 | 14.78 | 4.03 | 10.55 |
Leasing and hire purchases | Australian Dollar, Millions |  | 9 245.2 | 9 279.8 | 6 731.8 | 6 549.4 | 6 899.8 | 8 746.6 | 7 336 | 8 767.3 | 9 861.5 | 8 890.7 | 10 140.8 | 9 714.2 | 9 977.9 |
Factoring and invoicing | Australian Dollar, Millions |  | 54 757 | 64 991 | 63 101 | 58 661 | 61 422 | 63 361 | 63 272 | 62 391 | 64 400 | .. | .. | .. | .. |
Other indicators | Payment delays, B2B | Number |  | .. | .. | .. | .. | 21.6 | 20.3 | 19.5 | 14.9 | 13 | 14.4 | 11.9 | 10.6 | 9.9 |
Bankruptcies, SMEs | | | 45 | 47 | 47 | 50 | 51 | 53 | 49 | 39 | 41 | 36 | 32 | .. | .. |
Bankruptcies, SMEs (%, Year-on-year growth rate) | Percentage | | .. | 4.44 | 0 | 6.38 | 2 | 3.92 | -7.55 | -20.41 | 5.13 | -12.2 | -11.11 | .. | .. |