Personal and household goods wholesaling topped the list, with borrowing up 25.3% as businesses restocked and centralised logistics. Health services lending climbed 23.2% amid hospital upgrades at Rouse Hill, Fairfield, New Bankstown, and Nepean, while road transport borrowing rose 17.4% as motorway and rail links improve freight movement. Construction trade services, property services, and general construction also posted solid gains, reflecting a deep residential and infrastructure pipeline.