13 July 2015

Bank of England: Bank liabilities survey, Credit conditions survey, Credit condition review

The aim of the liabilities survey is to improve understanding of the role of lenders' liabilities and capital in driving credit and monetary conditions. The credit survey is an input to assessments of economic conditions. The review sets out the assessment of the latest trends.

Bank Liabilities Survey 2015 Q2

The survey covers developments in the volume and price of bank funding; developments in the loss-absorbing capacity of banks as determined by their capital positions; and developments in the internal price charged to business units within individual banks to fund the flow of new loans, sometimes referred to as the ‘transfer price’. Along with various data sources, including the quarterly Credit Conditions Survey, and discussions between the major UK lenders and Bank staff, this survey serves as an input into the quarterly Credit Conditions Review which presents the Bank of England’s latest assessment of bank funding conditions and household and corporate credit conditions in the UK.

Full survey

Annex 2015 Q2

 

Credit Conditions Survey 2015 Q2

​The survey covers secured and unsecured lending to households and small businesses; and lending to non-financial corporations, and to non-bank financial firms. Along with various data sources, including the quarterly Bank Liabilities Survey, and discussions between the major UK lenders and Bank staff, this survey serves as an input into the quarterly Credit Conditions Review which presents the Bank of England’s latest assessment of bank funding conditions and household and corporate credit conditions in the UK.

Full survey

Results for annex 1, 2 and 3

 

Credit Conditions Review - 2015 Q2

This quarterly publication draws mainly on long-established official data sources, such as the existing monetary and other financial statistics collected by the Bank, and other data sources such as surveys of businesses and data from other organisations. The analysis also draws on the results of the Bank of England’s Bank Liabilities Survey and Credit Conditions Survey.

These data are supplemented by discussions between Bank staff and the major UK lenders and this intelligence is reflected in the report. The major UK lenders are Banco Santander, Barclays, HSBC, Lloyds Banking Group, Nationwide and Royal Bank of Scotland. The report also draws on intelligence gathered by the Bank's network of Agents and from market contacts.

Full information

Credit Conditions Review 2015 Q2

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