Non-Depository Financing in Australia - Market Research Report

Non-Depository Financing industry trends (2014-2019)

poll Average industry growth 2014–2019: 8.1%

The Non-Depository Financing industry has operated in a challenging environment over the past five years. As the RBA sought to stimulate the economy by cutting the official cash rate to historic lows, interest revenue generated on industry operators' lending portfolios declined for the majority of the period. Sluggish growth in lending demand from the business sector has also constrained industry revenue growth over the past five years. The banking sector's strength has also weighed on industry revenue growth over the period, as banks continue to dominate the lending market. Strong competition and the banks' significant scale have made it difficult for non-bank lenders to significantly grow their loan books and customer bases over the past five years...
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Non-Depository Financing industry outlook (2019-2024)

poll Average industry growth 2019-2024: x.xlockPurchase this report or a membership to unlock the average company profit margin for this industry.

The Non-Depository Financing industry is projected to record strong revenue growth over the next five years, largely on the back of interest rate hikes. The cash rate is anticipated to rise over the period as the economy strengthens and demand for financing continues to grow. Interest rate cuts have caused lending volumes to increase over the past five years. A rising cash rate will likely generate greater revenue from a larger asset base over the next five years. Overall, industry revenue is forecast to increase at an annualised X.X% over the five years through XXX-XX, to $XX.X billion. Personal and housing finance are anticipated to be the main sources of industry growth over the next five years, as non-bank lenders continue to fill the void left b...
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Non-Depository Financing industry statistics

  • business Number of Businesses: 1,740
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 9,382

Biggest companies in the Non-Depository Financing industry

The companies holding the largest market share in the Non-Depository Financing in Australia industry include Toyota Finance Australia Limited.

  • pie_chart Toyota Finance Australia Limited Market Share: x.x%
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What is Non-Depository Financing industry?

Industry Definition

The industry includes financiers that lend money or provide credit to retail, corporate and wholesale customers. Financiers in the industry raise funds through wholesale channels and do not incur the liabilities of deposits. Industry businesses also lease plant, equipment and machinery on a financial services basis. Deposit-taking financial institutions are excluded from the industry.

Industry Products and Services

  • Personal loans
  • Commercial loans
  • Finance leases
  • Housing finance
  • All Others

Industry Activities

  • Lending to businesses and individuals
  • Lending to corporate customers
  • Providing finance to rural producers

Market research report - table of contents

Industry Definition

The industry includes financiers that lend money or provide credit to retail, corporate and wholesale customers. Financiers in the industry raise funds through wholesale channels and do not incur the liabilities of deposits. Industry businesses also lease plant, equipment and machinery on a financial services basis. Deposit-taking financial institutions are excluded from the industry.

Main Activities

  • Lending to businesses and individuals
  • Lending to corporate customers
  • Providing finance to rural producers

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

Industry revenue typically derives from interest income earned on an organisation's lending portfolio. The interest rate charged on loans is typically cal...
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Cash rate
Capital expenditure by the private sector
Business confidence index
Household savings ratio

Current Performance

Profit margins
 Chart: Revenue Growth

Industry Outlook

Structural shifts
 Table: Non-Depository Financing in Australia - Market Research Report Industry Revenue Outlook

Industry Life Cycle

Life Cycle Reasons
 Chart: Benchmarking - Non-Depository Financing in Australia - Market Research Report Industry Lifecycle vs The Economy

Supply Chain

Key Buying Industries

Agribusiness in Australia
Organic Farming in Australia
Consumers in Australia




Key Selling Industries

Accounting Services in Australia
Debt Collection in Australia





Products & Services

The primary source of revenue for Non-Depository Financing industry operators is interest received on personal and commercial loans, housing finance, and ...
Other industries
Service industries
Mining, construction and manufacturing industries



Demand Determinants

To provide financing to customers, firms operating in the industry are required to source capital. Finance companies participate in financial markets by i...
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Major Markets

Other industries
Service industries
Mining, construction and manufacturing industries




 Chart: Major Market Segmentation for the Non-Depository Financing in Australia - Market Research Report Industry

International Trade

Business Locations

Chart: Business Locations by State Chart: Business Locations by State

Market Share Concentration

The Non-Depository Financing industry exhibits low market share concentration. The industry has many participants, including finance companies and general...
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Key Success Factors

Cost Structure Benchmarks

Profit, Purchases, Wages, Other Costs
 Chart: Cost Structure Benchmarking – Sector vs Non-Depository Financing in Australia - Market Research Report

Basis of Competition

Internal competition
External competition

Barriers to Entry

 Table: Barriers to Entry Checklist for the Non-Depository Financing in Australia - Market Research Report Industry

Industry Globalization

Toyota Finance Australia Limited is a subsidiary of Toyota Financial Services Corporation, a Japan-based company that is part of Toyota Motor Corporation....
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Toyota Finance Australia

 Table: Toyota Finance Australia - financial performance

Capital Intensity

The Non-Depository Financing industry displays low capital intensity. For every dollar paid as wages in 2018-19, industry operators will spend an estimate...
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 Chart: Level of Capital Intensity for the Non-Depository Financing in Australia - Market Research Report Industry
 Chart: Tools of the Trade: Growth Strategies for Success

Technology & Systems

Revenue Volatility

Chart: Volatility vs Industry Growth Chart: Volatility vs Industry Growth

Regulation & Policy

Industry Assistance

Table: Industry data Table: Industry Data for the Non-Depository Financing in Australia Industry

Industry Revenue (2007-2025)
Industry Gross Product (2007-2025)
Establishments (2007-2025)
Businesses (2007-2025)
Employment (2007-2025)
Exports (2007-2025)
Imports (2007-2025)
Wages (2007-2025)
Domestic Demand (2007-2025)

Table: Annual Percentage Change for Key Industry Data Table: Annual Percentage Change for Key Industry Data

Table: Key Ratios for Industry Key Dat Table: Key Ratios for Industry Key Data

Table: Industry Financial Ratios Table: Industry Financial Ratios

Liquidity Ratios
Coverage Ratios
Leverage Ratios
Operating Ratios
Cash Flow & Debt Service Ratios (% of Sales)
Assets, %
Liabilities, %

COLLATERAL

MATURITY

TENOR

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Included in Report

  • Industry Financial Ratios
    Industry Financial Ratios
  • Revenue Forecasts
    Revenue Forecasts
  • Historical and Forecast Growth
    Historical and Forecast Growth
  • Industry Market Size
    Industry Market Size
  • Industry Major Players
    Industry Major Players
  • Profitability Analysis
    Profitability Analysis
  • SWOT Analysis
    SWOT Analysis
  • Industry Trends
    Industry Trends
  • Industry Operating Conditions
    Industry Operating Conditions
  • Porter's 5 Forces Analysis
    Porter's 5 Forces Analysis

Why buy this report on the Non-Depository Financing industry?

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This report on Non-Depository Financing in Australia:

  • Provides Market Size information to assist with planning and strategic decisions.
  • Includes the necessary information to perform SWOT, PEST and STEER analysis.
  • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
  • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.

The Non-Depository Financing in Australia market research report includes:

  • Historical data and analysis for the key drivers of this industry
  • A five-year forecast of the market and noted trends
  • Detailed research and segmentation for the main products and markets
  • An assessment of the competitive landscape and market shares for major companies
  • And of course, much more

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