PET - Plain English Taxonomy

Attribute:	BSAO29088
Concept:	Assets Exposures Lending Facilities Count
Label:	Number of facilities during the month
Concept Guidance:	This is the number of lending facilities during the period. These are one or more accounts/lending agreements that: are for the same borrower(s); are approved at the same point in time and/or as part of the same application; are for the same purpose class (and property purpose if housing); and differ only by characteristics relating to interest rate type (fixed interest rate or variable interest rate) and/or repayment type (interest-only or amortising). The accounts comprising a lending facility may or may not be linked.

Dimensions

Dimension	Member	Description
FinancePurposeDimension	(Personal)	Information in relation to the intended purpose that the finance will be used for. Transactions by persons within the household sector whose dealings with other sectors are for purposes other than business purposes or housing purposes.
InstitutionalUnitResidencyDimension	(ResidentIndividualEnterpriseOrOther)	This dimension categorises reported information according to the residency of the institutional unit or the issuer of the financial instrument. The information categorises any institutional unit whose centre of predominant economic interest (principal place of residence or principal place of production) is within Australia's economic territory. Including households whose principal place of residence is in Australia; and Australian branches and Australian subsidiaries of foreign enterprises, but not foreign branches and foreign subsidiaries of Australian enterprises.
InterestRateTypeDimension	(Variable)	Information in relation to the interest rate type applicable to an interest-bearing agreement. Information in relation to variable interest rates. These are interest rates that fluctuate over the term, or life, of the agreement. Fluctuations in interest rates generally occur at the discretion of the lender and/or in response to movements in some other interest rate or variable specified in the contract. These fluctuations may result in changes in either the payments or length of the loan term.
LoanTypeDimension	(RevolvingCreditNotMarginLoanNotCreditCard)	A list that identifies loan types. Means lending facilities that the borrower may repeatedly draw down, in part or in full up to an authorised credit limit, and repay any credit drawn, in part or in full, on multiple occasions without the facility being cancelled, apart from credit cards and margin loans. Repayments (other than of charges and interest) reduce the borrowings, thereby increasing the amount of unused credit available.
StageOfFinanceDimension	(Funded)	The information provided relates to the various steps in the provision of finance. The information provided is considered funded for a loan or finance lease once any portion of the funds is made available for the borrower to draw down according to the terms of the contract. This will occur after there is a borrower-accepted commitment to provide finance.