Yes well lending and borrowing are two sides of the same transaction. As always with these Heartland posts, I seem to be in a rush when posting and I only have the silly pdf version of the annual report which I can't bookmark. One thing I did know was that if I did get it horribly wrong you would take great delight in pointing it out PT - and so it proved. So thanks for that.
The actual answer then looks like it is contained in Note 37:
Corporate Rural: $528.1m (-6.5% from FY2012))
Corporate Property: $49.0m (-58% from FY2012)
Corporate Other: $805.1m (+11% from FY2012)
Residential: $231.0m (-29% from FY2012)
All Other: $397.3m (+12.7% from FY2012)
So reality hasn't quite matched the hype. Rural lending down, despite the push into that area. 'Corporate Financing Other' up which is I guess all that equipment HNZ are good at. Significant increase in the 'All Other' (too hard?) basket.
SNOOPY