Loan Purpose Dimension Information in relation to the intended purpose of the counterparty in regards to loan agreements entered into by the entity. Type Of Funding Commitment Dimension The information reported is categorised according to what type of funding arrangement has been entered into either committed or uncommitted. Investment in Dwellings Excluding Refinancing Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or constructing an investment dwelling (i.e. a dwelling for rental or resale purposes). Only report those dwellings that will be occupied by persons other than the owner(s). This excludes loan agreements where the principal purpose is to pay out (refinance) existing loans for investment dwellings. A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Personal Investment not for Dwelling Information in relation to loan agreements entered into by the reporting party for the purpose of personal investments, other than for the purchase or construction of investment dwelling (i.e. dwelling for rental or resale purposes). A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Alterations and Additions to Investment Dwellings Information in relation to loan agreements entered into by the reporting party for the purpose of structural and non-structural changes (e.g. garages, carpets, pergolas, re-roofing, re-cladding, etc.) to investment dwellings (i.e. dwellings which will be occupied by persons other than the owner(s)). This excludes repairs and maintenance, swimming pools and other home improvements not involving building work A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Refinance Existing Commercial Loan Information in relation to loan agreements entered into by the reporting party where the principal purpose is to pay out (refinance) an existing commercial loan. Housing Owner Occupied ARF392 Information in relation to loan agreements entered into by the reporting party for the purpose of either: - constructing a dwelling for owner-occupation. Only report those amounts relating to loan agreements where funds will be advanced by way of progress payments; - purchasing a dwelling for owner-occupation; - paying out (refinancing) existing home loans on the same residence (i.e. security unchanged), where the refinancing lender is not the original lender. It does not include the situation where an institution refinances its own loan, or where the refinancing is for the purpose of a change of residence. Include only those loans where the original lender is other than the reporting party. Exclude commitments to refinance existing loans where there is no change in the property offered as security and the institution offering the commitment was the original lender (e.g. refinancing from a variable rate loan to a fixed rate loan); or - Structural and non-structural changes (e.g. garages, carpets, pergolas, re-roofing, re-cladding, etc.) to owner-occupied dwellings. This excludes repairs and maintenance, swimming pools and other home improvements not involving building work A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Used Motor Car Less Than The Depreciation Limit Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing used motor cars (i.e. those which have previously been owned and used by others) where the vehicle value is less than the depreciation limit for the relevant period. This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This will exclude for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. The depreciation limit is the maximum amount which can be depreciated for taxation purposes, as set by the Australian Taxation Office. This limit is revised periodically. Used Motor Car Greater Than The Depreciation Limit Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing used motor cars (i.e. those which have previously been owned and used by others) where the vehicle value is greater than the depreciation limit for the relevant period. This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This will exclude for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. The depreciation limit is the maximum amount which can be depreciated for taxation purposes, as set by the Australian Taxation Office. This limit is revised periodically. Not Owner-Occupied Dwelling Information in relation to loan agreements entered into by the reporting party for any purpose other than home loans for owner-occupied dwellings. A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Other ARF395 Information in relation to loan agreements entered into by the reporting party for any purpose other than those specifically identified on APRA form ARF/RRF395.0 Leverage Lease Debt Participation Information in relation to loan agreements entered into by the reporting party for the purpose of debt participation in leveraged leases. Trading Stock Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing trading stock - goods purchased with the intent to resell in the normal course of business. Purchase Motor Car New Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing new motor cars. This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This excludes for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. Purchase Motor Car Used Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing used motor cars (i.e. those which have previously been owned and used by others). This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This will exclude for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. Purchase Motor Cycle/Scooter Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing motor cycles or scooters. Purchase Motor Vehicle Not Motor Car or Motor Cycle/Scooter Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing motor vehicles other than motor cars or motor cycles/scooters. This may include for example, trucks, buses, utilities, panel vans, ambulances, hearses, tow trucks, fire engines, etc. This will exclude for example, cars, station wagons, 4WD and forward control passenger vehicles/vans, and motor cycles/scooters Purchase Boat Caravan Trailer Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing boats, caravans or trailers. Purchase Land Residential Individual Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing individual residential blocks of land. Purchase of Investment Dwelling Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing an investment dwelling (i.e. for rental or resale purposes). Only report those dwellings that will be occupied by persons other than the owner(s). A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Other ARF391 Information in relation to loan agreements entered into by the reporting party for any purpose other than those specifically identified on APRA form ARF/RRF391.0 Purchase Transport Non MV Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing transport equipment other than motor vehicles. This may include for example, motorcycles, trailers, caravans, trains, boats and planes. Purchase MV Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing motor vehicles. This may include for example, cars, station wagons, utilities, trucks, ambulances and passenger vehicles such as buses. This does not include for example, motorcycles, trailers, caravans, trains, boats and planes. Purchase Plant Equip Non MV Transport Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing plant and equipment other than motor vehicles or transport equipment. Purchase Land Other Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing land for any purpose other than residential block development. Purchase Land Residential Development Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing land for residential block development. Purchase Rural Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing existing land and buildings classified as rural. Purchase Non Residential Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing existing land and buildings not classified as investment dwellings, shops, offices, industrial or rural. This may include for example, hotels, buildings for educational, religious, health, entertainment and recreational purposes. Purchase Industrial Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing existing land and buildings classified as industrial. Purchase Offices Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing existing land and buildings classified as offices. Purchase Shops Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing existing land and buildings classified as shops. Alterations and Additions to Owner-Occupied Dwellings Information in relation to loan agreements entered into by the reporting party for the purpose of structural and non-structural changes (e.g. garages, carpets, pergolas, re-roofing, re-cladding, etc.) to owner-occupied dwellings. This excludes repairs and maintenance, swimming pools and other home improvements not involving building work A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Construction Non Building Information in relation to loan agreements entered into by the reporting party for the purpose of constructing structures that are not buildings. This may include for example, roads, bridges, railways, harbours, telecommunication towers, dams, powerlines, pipelines, sewers. Construction Non Residential Information in relation to loan agreements entered into by the reporting party for the purpose of constructing buildings which have not been classified as investment dwellings (i.e. not owner-occupied), shops, offices or industrial buildings. This may include for example, hotels, buildings for educational, religious, health, entertainment and recreational purposes. Construction Industrial Information in relation to loan agreements entered into by the reporting party for the purpose of constructing industrial buildings. Construction Offices Information in relation to loan agreements entered into by the reporting party for the purpose of constructing offices. Construction Shops Information in relation to loan agreements entered into by the reporting party for the purpose of constructing shops. Construction of Investment Housing Information in relation to loan agreements entered into by the reporting party for the purpose of constructing dwellings for investment purposes (i.e. rental or resale purposes). Only report those dwellings that will be occupied by persons other than the owner(s). A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Securitisation Investment Information in relation to loan agreements entered into for the purpose of providing loans directly to investors to invest in securitisation programs. Exposure Funding Information in relation to loan agreements entered into by a counterparty with the reporting party for the purpose of funding purchases of exposures for a pool. Construction of Owner-Occupied Dwelling Information in relation to loan agreements entered into by the reporting party for the purpose of constructing dwellings for owner-occupation. Only report those amounts relating to loan agreements where funds will be advanced by way of progress payments. A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Purchase of Newly-Erected Owner-Occupied Dwelling Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing an owner-occupied dwelling that was completed less than 12 months prior to the reporting date, and in which the borrower will be the first occupant. A dwelling is a place of residence which is : - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Purchase of Established Owner-Occupied Dwelling Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing an owner-occupied dwelling that has been previously occupied or has been completed for more than 12 months at the time of the lodgement of the loan application. A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Housing Owner Occupied Excluding Alterations and Additions ARF 392 0 Information in relation to loan agreements entered into by the reporting party for the purpose of either: - constructing a dwelling for owner-occupation. Only report those amounts relating to loan agreements where funds will be advanced by way of progress payments; - purchasing a dwelling for owner-occupation; or - paying out (refinancing) existing home loans on the same residence (i.e. security unchanged), where the refinancing lender is not the original lender. It does not include the situation where an institution refinances its own loan, or where the refinancing is for the purpose of a change of residence. Include only those loans where the original lender is other than the reporting party. Exclude commitments to refinance existing loans where there is no change in the property offered as security and the institution offering the commitment was the original lender (e.g. refinancing from a variable rate loan to a fixed rate loan). A dwelling is a place of residence which is: - contained in a building which is an immobile structure; - private (i.e. not generally accessible to the public); and - self contained (i.e. includes bathing and cooking facilities). Purchase of Household and Personal Goods Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing household and personal goods. Debt Consolidation Information in relation to loan agreements entered into by the reporting party for the purpose of consolidating and paying out amounts owing by borrowers to third parties. this does not include where the purpose is to refinance an existing loan agreement. Personal Travel and Holidays Information in relation to loan agreements entered into by the reporting party for the purpose of financing personal travel or holidays. Refinancing Not Personal Investment Information in relation to loan agreements entered into by the reporting party where the principal purpose is to pay out (refinance) existing loans with the reporting party that were originally entered into for reasons other than personal investing. Refinancing Personal Investment Information in relation to loan agreements entered into by the reporting party where the principal purpose is to pay out (refinance) existing loans that were originally entered into for personal investing reasons. Other ARF394 Information in relation to loan agreements entered into by the reporting party for any purpose other than those specifically identified on APRA form ARF/RRF394.0 Liquidity Information in relation to loan agreements entered into by a counterparty with the reporting party for the purpose of liquidity, being to fund any timing mismatches between receipts of fund on underlying exposures and payments on securities issued by the counterparty, or to cover the inability of the counterparty to roll-over securities due to market disruption. Housing Information in relation to loan agreements entered into by the reporting party for the purpose of housing (i.e. both owner-occupied and investment housing). Construction Information in relation to loan agreements entered into by the reporting party for the purpose of building construction and structural or non-structural changes to existing buildings. This excludes maintenance, repairs and improvements which do not involve building work. Purchase Land Building Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing land and/or existing buildings. Purchase Transport Plant Equip Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing plant and equipment, including transport equipment and motor vehicles. Manufacturing Equipment Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing manufacturing equipment. This may include for example, all plant and equipment used in the manufacture of goods. This excludes for example, trailers, buses/coaches, motor vehicles (cars, station wagons, small passenger vehicles, trucks, etc.), and other transport equipment (aeroplanes, locomotives and rolling stock, ships and motor boats, fork lifts, etc.). Agricultural Machinery and Equipment Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing agricultural machinery and equipment. This may include for example, tractors, tillage implements, seeding, planting and fertilising equipment, agricultural mowers, harvesters, and other agricultural machinery and equipment. This excludes for example, motor vehicles and other transport equipment (fork lifts, etc.), machinery and equipment used for construction, earth moving (crawler tractors, etc.), or manufacturing purposes. Electronic Data Processing Equipment Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing electronic data processing equipment. This may include for example, computers (excluding computerised PABX equipment), computer peripherals, data entry systems and printers. This excludes for example, office machines (telephone systems including computerised PABX equipment, accounting and adding machines, calculators, cash registers (programmable and multifunctional), duplicating and photocopying machines and dictaphones, etc.) Office Machines Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing office machines. This may include for example, telephone systems (including computerised PABX equipment), accounting and adding machines, calculators and cash registers (programmable and multifunctional), and duplicating and photocopying machines and dictaphones. This excludes for example, electronic data processing equipment (computers, computer peripherals, data entry systems and printers, etc.). Other ARF 393 Information in relation to loan agreements entered into by the reporting party for any purpose other than those specifically identified on APRA form ARF/RRF393.0. Shop And Office Furniture Fittings Equipment Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing shop and office furniture, fittings and equipment. This excludes for example, electronic data processing equipment (computers, computer peripherals, data entry systems and printers, etc.), and office machines (telephone systems including computerised PABX equipment, accounting and adding machines, calculators and cash registers (programmable and multifunctional), and duplicating and photocopying machines and dictaphones, etc.) New Motor Car Greater Than Depreciation Limit Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing new motor cars (i.e. those which have not previously been owned and used by others) where the vehicle's value is greater than the depreciation limit for the relevant period. This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This will exclude for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. The depreciation limit is the maximum amount which can be depreciated for taxation purposes, as set by the Australian Taxation Office. This limit is revised periodically. New Motor Car Less Than Depreciation Limit Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing new motor cars (i.e. those which have not previously been owned and used by others) where the vehicle's value is less than the depreciation limit for the relevant period. This may include for example, cars, station wagons, 4WD and forward control passenger vehicles/vans. This will exclude for example, trucks, buses, special vehicles, utilities, panel vans and motor cycles/scooters. The depreciation limit is the maximum amount which can be depreciated for taxation purposes, as set by the Australian Taxation Office. This limit is revised periodically. New Light Truck Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing new light trucks (i.e. those which have not previously been owned and used by others). This may include for example, vehicles constructed primarily for the carriage of goods and not exceeding 3.5 tonnes gross vehicles mass, such as utilities, panels vans, light trucks, station wagons, 4WD vehicles and forward control vans used to carry goods. This will exclude for example, tow trucks, tractors, self-propelled mowers, plant and equipment. Used Light Truck Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing used light trucks (i.e. those which have previously been owned and used by others). This may include for example, vehicles constructed primarily for the carriage of goods and not exceeding 3.5 tonnes gross vehicles mass, such as utilities, panels vans, light trucks, station wagons, 4WD vehicles and forward control vans used to carry goods. This will exclude for example, tow trucks, tractors, self-propelled mowers, plant and equipment. New Heavy Truck Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing new heavy trucks (i.e. those which have not previously been owned and used by others). This may include for example, vehicles with a gross combination mass rating in excess of 3.5 tonnes (this includes prime movers registered without trailers). This excludes for example, passenger carrying trailer combinations and non-freight carrying vehicles. Used Heavy Truck Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing used heavy trucks (i.e. those which have previously been owned and used by others). This may include for example, vehicles with a gross combination mass rating in excess of 3.5 tonnes (this includes prime movers registered without trailers). This excludes for example, passenger carrying trailer combinations and non-freight carrying vehicles. Trailers, Buses, Coaches and Other Motor Vehicles Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing trailers, buses/coaches and other motor vehicles. This may include for example, trailer (tray and table top trailers, semi-trailers designed to connect to a prime mover, animal carriers, trailed machinery, etc.), buses and coaches, special vehicles (ambulances, hearses, tow trucks, fire engines, etc.), motor cycles/scooters, caravans (motorised and non motorised) and other non-freight carrying vehicles (mobile libraries, kitchens, workshops, etc.). The excludes for example: - fork lifts; - cars; - station wagons; - 4WDs; - utilities; and - trucks. Aeroplanes Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing aeroplanes. Locomotives and Rolling Stock Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing locomotives or rolling stock. Ships and Motor Boats Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing ships or motor boats. Other Transport Equipment ARF393 Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing any transport equipment, other than the following:. - trailers, buses/coaches and other motor vehicles; - aeroplanes; - locomotives and rolling stock; and - ships and motor boats. Construction and Earth Moving Equipment Information in relation to loan agreements entered into by the reporting party for the purpose of purchasing or leasing construction and earth moving equipment. This may include for example, crawler tractors, dumpers, road rollers, earth packers, scarifiers, rippers, concrete mixers, dozers, graders, mobile cranes, concrete pumps, etc. This excludes for example, trailers, buses/coaches, motor vehicles (cars, station wagons, small passenger vehicles, trucks, etc.), and other transport equipment (aeroplanes, locomotives and rolling stock, ships and motor boats, fork lifts, etc.). Warehouse Funding Facilities Information in relation to loan agreements entered into by a counterparty with the reporting party for the purpose of funding to warehouse special purpose vehicles (SPVs). Residential Information in relation to loan agreements entered into by the reporting entity for the purpose of purchasing or constructing residential dwellings. Commercial Information in relation to loan agreements entered into by the reporting entity for the purpose of purchasing or constructing commercial buildings or other business real estate. Not Applicable This dimension is not applicable for the information that is reported. Other Uncommitted Contingent Funding Information in relation to loan agreements entered into by the entity for any uncommitted purpose other than those specifically identified already. Trade Finance Related Obligations Information in relation to a contingent trade finance related obligations consisting of agreements directly underpinned by the movement of goods or the provision of services. Guarantees And Letters Of Credit Other Than Trade Finance Related Obligations Information in relation to contingent loan agreements entered into by the entity where the principal purpose is guarantees and/or letters of credit other than trade finance related obligations. Debt Security The information reported relates to debt securities. Credit Facility Information in relation to contingent credit facility entered into by a counterparty with the entity for the purpose of contractual lending obligations. Assets Sold With Recourse Information in relation to loan agreements entered into by the entity for any potential credit exposures arising from assets sold with recourse. Assets sold with recourse are asset sales (to the extent that such assets are not included on-balance sheet) by an entity where the holder of the asset is entitled to 'put' the asset back to the entity within an agreed period or under certain prescribed circumstances (e.g. deterioration in the value or credit quality of the asset concerned). Committed Funding The value reported is the committed funding obligations that are contractually irrevocable or conditionally revocable agreements. Performance Related Contingencies Information in relation to loan agreements entered into by the entity for any potential credit exposures arising from performance-related contingencies. A performance-related contingency represents a contingent (off-balance sheet) liability that involves an irrevocable obligation to pay a third party in the event that a counterparty fails to fulfil or perform a contractual non-monetary obligation, such as delivery of goods by a specified date, etc. (i.e. the risk of loss depends on a future event that is not directly related to the creditworthiness of the counterparty involved). Bill Endorsement Information in relation to loan agreements entered into by the entity for bills that have been endorsed under bill endorsement lines, but have not been accepted by, or have the prior endorsement of, another authorised deposit-taking institution. Loans Approved But Not Advanced Or Funded Information in relation to loan agreements entered into by the entity for irrevocable loan amounts that are approved but not yet advanced, which represent loans that have been approved by the entity but the counterparty has yet to draw down the funds in relation to the arrangement. Structured Products And Managed Funds The information reported relates to funding structured products and managed funds. Other Committed Contingent Funding Information in relation to loan agreements entered into by the entity for any committed purpose other than those specifically identified already. Other Direct Credit Substitutes Information in relation to loan agreements entered into by the entity for any other potential credit exposures arising from direct credit substitutes in the list in which it is being used. Other Contractual Obligations The information reported relates to any other contractual obligations that have not yet been reported. Other Non Contractual Obligations The information reported relates to any other non-contractual obligations that have not yet been reported. Standby Letters Of Credit Information in relation to loan agreements entered into by the entity for standby letters of credit on issue that are serving as financial guarantees for loans, securities and any other financial liabilities. Balance Available Under Overdraft Agreements Information in relation to loan agreements entered into by the entity for overdraft facilities that the entity has irrevocably made available to its customers. Liquidity Credit Facility Information in relation to contingent credit facility entered into by a counterparty with the entity for the purpose of contractual lending obligations, revolving credit facilities, guarantees and letters of credit other than those related to trade finance obligations and liquidity facilities including undrawn back-up facility, facilities to hedge funds, money market funds and special purpose funding vehicles , vehicles used to finance the entity's own assets and any warehouse facilities that the entity could be called upon to fund. Balance Available For Redraw Under Redraw Facilities Of Term Loans Information in relation to loan agreements entered into by the entity for undrawn irrevocable non-market-related commitments available for redraw under redraw facilities, but which are not certain of drawdown. This represents the maximum unused portion of the commitment that could be drawn during the remaining period to maturity. Liquidity Facility Information in relation to liquidity facility that is any committed, undrawn back-up facility that would be used to refinance the debt obligations of a customer in situations where such a customer is unable to rollover that debt in financial market. Guarantees Information in relation to loan agreements entered into by the entity for guarantees that constitute direct credit substitutes. A guarantee is a pledge or agreement to be responsible for another party's debt or contractual performance if that other party does not pay or perform. Forward Asset Purchase Information in relation to loan agreements entered into by the entity for any potential credit exposures arising from forward asset purchases deemed non-market-related off-balance sheet transactions. A forward asset purchase is a commitment to purchase at a specified future date, and on pre-arranged terms, a loan, security or other asset from another entity, including written put options on specified assets with the character of a credit enhancement. Undrawn Formal Standby Facilities Information in relation to loan agreements entered into by the entity for undrawn irrevocable commitments in the form of formal standby facilities to the entity's customers. This represents the maximum unused portion of the commitment that could be drawn during the remaining period to maturity. This does not include standby facilities in place to support the entity's operations. A formal standby facility is a formalised arrangement in which the counterparty has the right but not the obligation to draw down funds to a specified limit. Also exclude any Australian prudential regulation authority approved industry support arrangements. Committed Mortgage Redraw Lines Of Credit The information reported relates to committed mortgage redraw capacity and lines of credit. Owner Occupied Housing Information in relation to loans for the purpose of housing, where the funds are used for a residential property, that is occupied or to be occupied by the borrower(s) as their principal place of residence. Units Apartments Information in relation to loan agreements entered into for the purpose of housing where the funds are used for units or apartments. Units or apartments are dwellings in a building that has more than two dwellings. These dwellings do not have their own private grounds and usually share a common entrance foyer or stairwell. Investment Housing Information in relation to loans for the purpose of housing, where the funds are used for a residential property that is not owner-occupied. Not Housing Information in relation to loans where the funds are not used for the purchase, renovation or development of residential property. Other Contingent Funding Information in relation to loan agreements entered into by the entity for any other contingent funding purpose other than those specifically identified and reported already. Trade Related Obligations Information in relation to loan agreements entered into by the entity trade-related obligations or agreements directly underpinned by the movement of goods or the provision of services such as documentary trade letters of credit, documentary and clean collection, import bills and export bills; guarantees directly related to trade finance obligations, such as shipping guarantees; and any other trade-related contingencies. Uncommitted Funding The value reported is the uncommitted funding agreements. The borrower is under no obligation to actually take out a loan at any particular time. These type agreements are unconditionally revocable agreements that are unconditionally cancellable by the lender. Corporate And Business Loans Information in relation to loan agreements entered into by the entity for corporate and business purposes. Commercial Real Estate Mortgages Information in relation to loans secured by commercial property as defined in Reporting Standard ARS 230.0 - Commercial Property. Refinancing Existing Home Loan Information in relation to Loans where a new loan is obtained to replace an existing loan that was provided by a different lender (that is not within the regulated authorised deposit-taking institution itself)