This is the value, as at the relevant date, of claims (other than equity) on private sector entities. This excludes claims on ADIs, overseas banks and corporate counterparties.Authorised Deposit-taking Institutions (ADIs) have an authority under subsection 9(3) of the Banking Act 1959 to carry on banking business in Australia. ADIs include: (a) Australian-owned banks; (b) foreign subsidiary banks; (c) branches of foreign banks; (d) credit unions, credit societies and credit co-operatives; (e) building societies; (f) Specialist Credit Card Institutions (SCCIs); (g) providers of purchased payment facilities; and (h) other ADIs. Note: ADIs do not include merchant banks in Australia. An Overseas Bank represents a financial institution in another country (i.e. not Australia) that:(a) has the power to accept deposits in the regular course of business; (b) is supervised by the supervisor of banks or by state-based regulatory agencies; and (c) is subject to the same prudential requirements as banks (including capital adequacy). 

For example, include:
(a) personal loans;
(b) leasing finance and bill acceptances drawn by private sector counterparties;
(c) credit cards;
(d) overdrafts;
(e) small business facilities; and
(f) all other property loans (including loans secured against commercial property).