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					     Reserve Bank of Australia                                                                                                                             91084d56-e74b-4cfb-aa18-3a05442b6b58.xls




         A           B         C         D             E               F            G                     H                  I                     J
 1 B21 HOUSEHOLD FINANCES - SELECTED RATIOS
 2 Per cent, sa
 3
 4    At end      Debt to   Housing          Debt to disposable income          Assets to disposable income           Interest payments to disposable income
 5       of       assets    debt to    Total        Housing        of which:      Total           Financial                 Total                Housing
 6                          housing                            Owner-occupier                      assets
 7                           assets
 8
 9 Last updated: 19-May-11 19-May-11 19-May-11     19-May-11       19-May-11    19-May-11           19-May-11            21-Apr-11             19-May-11
10     Source       RBA       RBA       RBA           RBA             RBA          RBA                RBA                   RBA                  RBA
12     Mar-1977                   8.7      33.4          24.0                                                                        5.2                    3.7
13     Jun-1977         7.3       8.8      33.8          24.2                            391.1                112.3                  5.3                    3.8
14     Sep-1977                   9.0      34.7          24.8                                                                        5.4                    3.7
15     Dec-1977                   9.2      35.3          25.1                                                                        5.4                    3.8
16     Mar-1978                   9.4      35.4          25.3                                                                        5.3                    3.6
17     Jun-1978         7.9       9.6      35.7          25.4                            385.1                114.1                  5.3                    3.6
18     Sep-1978                   9.7      36.0          25.6                                                                        5.3                    3.7
19     Dec-1978                   9.9      36.7          26.2                                                                        5.4                    3.8
20     Mar-1979                  10.1      37.3          26.6                                                                        5.4                    3.7
21     Jun-1979         8.3      10.2      37.8          27.0                            375.9                114.9                  5.4                    3.7
22     Sep-1979                  10.1      38.4          27.4                                                                        5.5                    3.8
23     Dec-1979                  10.0      38.7          27.7                                                                        5.5                    3.7
24     Mar-1980                   9.3      39.1          28.0                                                                        5.6                    3.8
25     Jun-1980         8.2      10.0      39.7          28.6                            394.8                116.6                  5.6                    3.9
26     Sep-1980                  10.0      39.7          28.6                                                                        5.5                    3.8
27     Dec-1980                  10.3      39.8          28.6                                                                        5.6                    3.9
28     Mar-1981                   9.6      39.7          28.5                                                                        6.0                    4.1
29     Jun-1981         8.2       9.7      39.7          28.2                            404.7                118.1                  6.0                    4.0
30     Sep-1981                   9.7      39.6          27.9                                                                        6.2                    4.2
31     Dec-1981                   9.6      39.0          27.3                                                                        6.3                    4.3
32     Mar-1982                   9.9      38.5          26.7                                                                        6.4                    4.3
33     Jun-1982         8.4       9.9      38.0          26.2                            384.4                115.2                  6.4                    4.3
34     Sep-1982                   9.9      37.2          25.6                                                                        6.6                    4.4
35     Dec-1982                  10.1      36.5          25.0                                                                        6.5                    4.3
36     Mar-1983                  10.1      36.2          24.6                                                                        6.3                    4.2
37     Jun-1983         8.3      10.0      36.4          24.6                            386.9                125.8                  6.5                    4.2
38     Sep-1983                  10.1      36.6          24.7                                                                        6.2                    4.0
39     Dec-1983                  10.0      37.2          24.9                                                                        6.2                    3.9
40     Mar-1984                   9.8      37.9          25.3                                                                        6.1                    3.9
41     Jun-1984         8.5       9.9      38.4          25.5                            392.2                129.2                  6.0                    3.9
42     Sep-1984                   9.7      39.2          25.9                                                                        5.5                    3.7
43     Dec-1984                  10.2      40.2          26.5                                                                        5.5                    3.7
44     Mar-1985                  10.2      41.0          27.1                                                                        5.5                    3.8




     6/24/2011 5:22 PM                                                                           Page 1
     Reserve Bank of Australia                                                                                                                                91084d56-e74b-4cfb-aa18-3a05442b6b58.xls




         A           B         C         D             E               F               G                     H                  I                     J
 1 B21 HOUSEHOLD FINANCES - SELECTED RATIOS
 2 Per cent, sa
 3
 4    At end      Debt to   Housing          Debt to disposable income             Assets to disposable income           Interest payments to disposable income
 5       of       assets    debt to    Total        Housing        of which:         Total           Financial                 Total                Housing
 6                          housing                            Owner-occupier                         assets
 7                           assets
 8
 9 Last updated: 19-May-11 19-May-11 19-May-11     19-May-11       19-May-11       19-May-11           19-May-11            21-Apr-11             19-May-11
10     Source       RBA       RBA       RBA           RBA             RBA             RBA                RBA                   RBA                  RBA
45     Jun-1985         8.9      10.4      42.2          27.7                               410.4                139.4                  5.7                    4.0
46     Sep-1985                  10.5      42.9          28.1                                                                           6.2                    4.1
47     Dec-1985                  10.5      43.2          28.3                                                                           6.6                    4.4
48     Mar-1986                  10.7      43.1          28.3                                                                           6.9                    4.6
49     Jun-1986         9.0      11.0      42.7          28.1                               411.0                147.8                  7.0                    4.7
50     Sep-1986                  11.4      42.4          28.0                                                                           7.2                    4.9
51     Dec-1986                  11.7      42.3          28.0                                                                           7.4                    5.0
52     Mar-1987                  11.7      42.6          28.3                                                                           7.5                    5.2
53     Jun-1987         8.8      11.7      42.7          28.7                               422.5                166.6                  7.5                    5.2
54     Sep-1987                  11.7      42.8          28.9                                                                           6.7                    4.6
55     Dec-1987                  11.4      43.2          29.3                                                                           6.8                    4.7
56     Mar-1988                  11.0      43.4          29.8                                                                           6.7                    4.6
57     Jun-1988         8.1      10.7      43.7          30.4                               466.8                177.8                  6.7                    4.7
58     Sep-1988         8.0      10.4      45.2          31.8                               482.7                177.1                  7.3                    5.0
59     Dec-1988         8.0      10.1      46.0          32.4                               489.3                173.4                  7.6                    5.2
60     Mar-1989         8.1      10.2      46.6          32.9                               487.9                170.4                  7.9                    5.4
61     Jun-1989         8.3      10.3      47.1          33.3                               486.2                170.9                  8.2                    5.7
62     Sep-1989         8.2      10.4      46.6          33.0                               484.8                173.0                  9.0                    5.9
63     Dec-1989         8.3      10.6      46.0          32.8                               474.8                169.1                  8.7                    5.8
64     Mar-1990         8.4      10.8      45.7          32.8               28.0            466.7                164.3                  8.7                    5.7
65     Jun-1990         8.6      10.9      45.9          32.9               28.0            462.6                160.9                  8.7                    5.6
66     Sep-1990         8.7      11.2      45.7          33.1               27.9            454.6                158.4                  8.4                    5.5
67     Dec-1990         8.8      11.4      46.2          33.7               28.2            455.3                159.1                  8.1                    5.4
68     Mar-1991         8.8      11.5      46.9          34.6               28.7            463.6                162.1                  7.8                    5.1
69     Jun-1991         8.8      11.6      47.8          35.5               29.4            470.3                165.4                  7.9                    5.1
70     Sep-1991         8.7      11.6      48.4          36.4               30.1            483.0                170.9                  7.0                    4.5
71     Dec-1991         8.8      11.9      49.2          37.4               30.9            488.2                174.3                  6.6                    4.4
72     Mar-1992         9.0      12.4      49.7          38.1               31.5            482.3                173.5                  6.2                    4.1
73     Jun-1992         9.0      12.5      50.1          38.8               32.0            490.2                178.2                  6.0                    4.0
74     Sep-1992         9.1      12.8      51.1          39.8               33.2            492.9                179.2                  6.2                    4.1
75     Dec-1992         9.2      13.1      52.5          41.3               34.2            496.9                181.7                  6.2                    4.2
76     Mar-1993         9.4      13.7      53.8          42.6               35.5            496.8                184.6                  5.8                    4.3
77     Jun-1993         9.5      14.0      55.1          44.1               36.6            502.1                187.1                  5.7                    4.3




     6/24/2011 5:22 PM                                                                              Page 2
      Reserve Bank of Australia                                                                                                                                91084d56-e74b-4cfb-aa18-3a05442b6b58.xls




          A           B         C         D             E               F               G                     H                  I                     J
  1 B21 HOUSEHOLD FINANCES - SELECTED RATIOS
  2 Per cent, sa
  3
  4    At end      Debt to   Housing          Debt to disposable income             Assets to disposable income           Interest payments to disposable income
  5       of       assets    debt to    Total        Housing        of which:         Total           Financial                 Total                Housing
  6                          housing                            Owner-occupier                         assets
  7                           assets
  8
  9 Last updated: 19-May-11 19-May-11 19-May-11     19-May-11       19-May-11       19-May-11           19-May-11            21-Apr-11             19-May-11
 10     Source       RBA       RBA       RBA           RBA             RBA             RBA                RBA                   RBA                  RBA
 78     Sep-1993         9.6      14.4      56.7          45.7               37.8            514.5                196.6                  5.8                    4.4
 79     Dec-1993         9.6      14.6      58.3          47.3               39.0            526.1                203.6                  5.6                    4.2
 80     Mar-1994         9.9      14.9      60.0          49.0               40.3            528.3                199.7                  5.5                    4.3
 81     Jun-1994        10.3      15.5      61.9          51.0               41.8            524.8                197.8                  5.6                    4.4
 82     Sep-1994        10.5      15.9      63.6          52.6               43.0            527.1                198.8                  5.9                    4.6
 83     Dec-1994        10.8      16.3      64.7          53.7               43.7            521.2                195.1                  6.3                    5.0
 84     Mar-1995        11.2      16.9      65.8          54.7               44.3            513.5                192.9                  6.8                    5.4
 85     Jun-1995        11.2      17.1      66.5          55.1               44.7            518.1                198.0                  6.9                    5.5
 86     Sep-1995        11.4      17.8      66.8          55.4               44.7            511.4                200.2                  6.9                    5.4
 87     Dec-1995        11.6      18.2      67.4          56.1               45.1            509.5                199.9                  6.9                    5.5
 88     Mar-1996        11.8      18.5      68.1          56.7               45.5            507.2                199.1                  7.0                    5.6
 89     Jun-1996        11.8      18.5      68.6          57.0               45.7            507.6                198.7                  7.0                    5.5
 90     Sep-1996        12.0      18.9      69.9          58.0               46.4            512.9                204.4                  6.9                    5.4
 91     Dec-1996        11.9      18.8      70.8          58.9               46.9            523.3                209.0                  6.6                    5.1
 92     Mar-1997        12.0      19.0      72.1          60.1               47.4            527.5                210.6                  6.2                    4.7
 93     Jun-1997        12.0      19.1      73.7          61.6               48.2            541.2                219.4                  6.0                    4.6
 94     Sep-1997        12.0      19.0      75.5          63.2               49.0            553.2                224.1                  5.9                    4.5
 95     Dec-1997        12.1      19.0      77.2          64.4               49.4            555.2                221.2                  5.9                    4.5
 96     Mar-1998        12.4      19.4      78.8          65.8               50.0            554.4                221.2                  6.0                    4.5
 97     Jun-1998        12.4      19.3      81.1          67.8               51.2            565.9                223.9                  6.1                    4.6
 98     Sep-1998        12.6      19.7      82.5          68.8               51.5            565.1                225.1                  6.0                    4.6
 99     Dec-1998        12.6      19.9      84.7          70.6               52.5            583.3                237.3                  6.1                    4.7
100     Mar-1999        12.6      19.9      86.4          71.8               53.0            593.6                241.7                  6.1                    4.6
101     Jun-1999        12.7      19.8      87.8          72.9               53.3            600.6                241.5                  6.0                    4.6
102     Sep-1999        13.0      20.0      90.2          74.9               54.4            604.6                239.3                  6.1                    4.7
103     Dec-1999        13.0      20.3      91.5          76.0               54.7            614.1                249.5                  6.3                    4.8
104     Mar-2000        13.3      20.5      93.2          77.6               55.3            613.7                245.5                  6.6                    5.1
105     Jun-2000        13.5      20.8      95.6          79.5               56.2            619.8                248.7                  7.4                    5.8
106     Sep-2000        13.7      21.2      95.2          79.3               55.6            606.4                242.7                  7.2                    5.6
107     Dec-2000        13.8      21.5      95.9          79.7               56.2            609.0                246.8                  7.6                    5.9
108     Mar-2001        13.9      21.3      97.5          81.1               57.1            617.3                246.2                  7.5                    5.8
109     Jun-2001        13.8      21.4      98.1          81.8               57.5            628.9                254.6                  6.9                    5.3
110     Sep-2001        14.0      21.0     101.1          84.6               59.6            635.9                244.3                  7.0                    5.4




      6/24/2011 5:22 PM                                                                              Page 3
      Reserve Bank of Australia                                                                                                                                91084d56-e74b-4cfb-aa18-3a05442b6b58.xls




          A           B         C         D             E               F               G                     H                  I                     J
  1 B21 HOUSEHOLD FINANCES - SELECTED RATIOS
  2 Per cent, sa
  3
  4    At end      Debt to   Housing          Debt to disposable income             Assets to disposable income           Interest payments to disposable income
  5       of       assets    debt to    Total        Housing        of which:         Total           Financial                 Total                Housing
  6                          housing                            Owner-occupier                         assets
  7                           assets
  8
  9 Last updated: 19-May-11 19-May-11 19-May-11     19-May-11       19-May-11       19-May-11           19-May-11            21-Apr-11             19-May-11
 10     Source       RBA       RBA       RBA           RBA             RBA             RBA                RBA                   RBA                  RBA
111     Dec-2001        14.0      21.4     103.8          87.2               61.8            649.1                255.3                   6.7                   5.2
112     Mar-2002        14.1      21.4     106.6          89.9               63.5            658.4                255.5                   6.8                   5.3
113     Jun-2002        14.2      21.0     110.6          93.4               65.5            673.0                251.1                   7.5                   5.8
114     Sep-2002        14.7      21.2     114.4          96.9               67.5            674.4                242.7                   7.6                   6.0
115     Dec-2002        14.8      21.4     117.6          99.9               69.1            688.6                246.9                   7.8                   6.1
116     Mar-2003        15.1      21.7     120.7         102.7               70.5            688.8                242.1                   7.9                   6.2
117     Jun-2003        15.2      21.5     123.3         104.9               71.3            705.7                244.8                   8.1                   6.3
118     Sep-2003        15.3      21.6     127.6         108.9               73.3            725.1                250.4                   8.4                   6.6
119     Dec-2003        15.4      21.6     132.1         113.1               75.6            744.3                254.1                   9.0                   7.1
120     Mar-2004        15.7      22.1     135.9         116.6               77.6            749.8                256.8                   9.3                   7.4
121     Jun-2004        16.0      22.7     138.0         118.8               78.7            748.9                258.9                   9.3                   7.5
122     Sep-2004        16.4      23.5     140.5         121.1               80.1            742.0                260.1                   9.7                   7.8
123     Dec-2004        16.4      23.7     143.2         123.4               81.7            756.5                269.9                   9.9                   7.9
124     Mar-2005        16.7      24.3     145.1         125.1               82.9            752.9                270.7                  10.2                   8.2
125     Jun-2005        16.9      24.6     147.4         127.2               84.4            757.8                273.8                  10.4                   8.4
126     Sep-2005        17.0      25.0     148.5         128.1               85.2            762.3                280.6                  10.4                   8.4
127     Dec-2005        17.1      25.4     150.3         130.0               86.8            766.0                285.6                  10.6                   8.6
128     Mar-2006        17.1      25.5     151.8         131.3               87.9            777.0                293.2                  10.7                   8.6
129     Jun-2006        17.2      25.5     154.3         133.7               89.4            784.8                292.4                  11.0                   8.9
130     Sep-2006        17.5      26.0     155.9         135.0               90.7            777.0                288.9                  11.2                   9.1
131     Dec-2006        17.4      26.0     154.9         134.3               91.4            781.6                294.7                  11.4                   9.3
132     Mar-2007        17.4      26.1     154.6         134.1               91.3            778.1                294.9                  11.5                   9.4
133     Jun-2007        17.3      26.1     155.1         134.0               91.2            788.8                305.2                  11.5                   9.4
134     Sep-2007        17.1      25.9     154.7         134.0               91.4            796.9                307.8                  12.0                   9.7
135     Dec-2007        17.3      26.0     155.7         134.8               92.1            795.9                305.2                  12.4                  10.0
136     Mar-2008        18.0      26.4     155.5         135.0               92.4            763.3                278.9                  12.9                  10.5
137     Jun-2008        18.5      27.4     155.1         135.0               92.5            743.0                274.3                  13.4                  11.0
138     Sep-2008        19.4      29.3     153.7         134.2               92.0            701.5                265.2                  13.6                  11.2
139     Dec-2008        20.2      30.3     150.8         132.6               91.4            663.3                245.2                  11.3                   9.1
140     Mar-2009        20.6      31.2     150.4         132.7               91.9            648.4                240.5                  10.0                   7.9
141     Jun-2009        19.9      30.1     150.3         133.0               92.7            671.1                247.9                   9.4                   7.5
142     Sep-2009        19.0      29.0     152.2         134.9               94.4            711.5                266.8                   9.8                   7.8
143     Dec-2009        18.6      27.8     155.5         137.9               96.7            743.4                271.8                  10.4                   8.3




      6/24/2011 5:22 PM                                                                              Page 4
      Reserve Bank of Australia                                                                                                                                91084d56-e74b-4cfb-aa18-3a05442b6b58.xls




          A           B         C         D             E               F               G                     H                  I                     J
  1 B21 HOUSEHOLD FINANCES - SELECTED RATIOS
  2 Per cent, sa
  3
  4    At end      Debt to   Housing          Debt to disposable income             Assets to disposable income           Interest payments to disposable income
  5       of       assets    debt to    Total        Housing        of which:         Total           Financial                 Total                Housing
  6                          housing                            Owner-occupier                         assets
  7                           assets
  8
  9 Last updated: 19-May-11 19-May-11 19-May-11     19-May-11       19-May-11       19-May-11           19-May-11            21-Apr-11             19-May-11
 10     Source       RBA       RBA       RBA           RBA             RBA             RBA                RBA                   RBA                  RBA
144     Mar-2010        18.4      27.2     157.2         139.6               97.8            759.0                273.2                  10.8                   8.7
145     Jun-2010        18.8      27.6     157.9         140.4               98.2            746.1                264.6                  11.5                   9.3
146     Sep-2010        18.8      28.0     157.1         139.9               97.8            741.7                268.9                  11.5                   9.4
147     Dec-2010        18.9      28.4     156.4         139.5               97.6            734.5                269.9                  11.9                   9.7
148     Mar-2011
149     Jun-2011




      6/24/2011 5:22 PM                                                                              Page 5
B21 Household Finances – Selected Ratios
Data are seasonally adjusted, unless otherwise noted.
Debt refers to total household debt as calculated by the RBA and is the sum of housing and other personal debt, including
securitised debt. Debt excludes debt owed by unincorporated enterprises. These data are adjusted for the effects of breaks
in the series.
Assets refers to the total of dwelling assets, consumer durables and financial assets as reported in statistical table B20.
‘Financial assets’ includes financial assets of unincorporated enterprises and is not seasonally adjusted. Financial assets
data are derived from ABS Cat No 5232.0, Table 20. The sectoral classification is on a national accounts basis and differs
slightly from that in the preceding tables. The household sector includes unincorporated enterprises and non-profit
institutions serving households. Identified claims between transactors in the same sector are excluded. The data were
upgraded in 2009 to comply with SNA08 standards and are only available back to June 1988.
‘Debt to assets’ refers to the ratio of total household debt to total household assets. ‘Housing debt to housing assets’ refers
to the ratio of housing debt (including securitisations) to total dwelling assets. For the purpose of calculating ‘Assets to
disposable income’ and ‘financial assets to disposable income’, ‘disposable income’ includes gross mixed income earned by
unincorporated enterprises and is measured before the deduction of net interest payments. Data on disposable income are
sourced from the quarterly national accounts (ABS Cat No 5206.0) and are reported in annual terms.
‘Debt to disposable income’ is the ratio of total household debt to household disposable income. ‘Debt to disposable income
– Housing’ is the ratio of housing debt (including securitisations) to household disposable income. ‘Debt to disposable
income – of which: Owner-occupier’ is the ratio of owner-occupier housing debt (including securitisations) to household
disposable income.
‘Interest payments to disposable income’ is the ratio of interest payments on housing and other personal debt to disposable
income. From 1993, these data are calculated by the RBA using average interest rates on outstanding housing and other
personal debt. Interest payments prior to 1993 are sourced from unpublished ABS data. ‘Interest payments to disposable
income – Housing’ is the ratio of interest payments made on housing loans to disposable income.
For the purpose of calculating the ‘Debt to disposable income’ and ‘Interest payments to disposable income’ ratios,
disposable income excludes gross mixed income earned by unincorporated enterprises and is measured before the
deduction of interest payments. Data are sourced from the quarterly national accounts. For the debt to disposable income
ratio, data are reported in annual terms.

				
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