BIS Review 112/2000  10  Bank Lending: Annual Percentage Increases to Selected Sectors Total Private-Sector Credit a  Personal b,c  Building and Construction b,d  Financial b,g  Other b,h  1994  11.8  10.5  16.1  15.2  4.0  1995  11.2  13.1  12.1  2.1  7.2  1996  15.4  15.9  26.3  12.3  17.1  1997  23.6  21.0  19.8  47.9  13.5  1998  23.6  19.3  58.1  35.7  21.4  1999  31.6  26.0  50.2  86.9  22.9  2000 i  24.2  17.8  58.4  39.3  25.6  (a) Adjusted for lending to non-bank IFSC entities and for valuation effects resulting from exchange rate changes.
The 1999 figure could not be adjusted for valuation effects because of the introduction of the euro in that year. The 1999 figure is also boosted, for technical reasons, by the impact of the merger between Irish Life and Irish Permanent. (b) Year-on-year growth rate in November for the years 1994 to 1998; for 1999, the figure is November 1998 to December 1999.