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Home > Publications > Trends in Lending

Trends in Lending

This Bank of England quarterly publication presents the Bank's assessment of the latest trends in lending to the UK economy. This report draws mainly on long-established official data sources, such as the existing monetary and financial statistics collected by the Bank that cover all monetary financial institutions, and other data collections established since the start of the financial crisis.

These data are supplemented by discussions between the major UK lenders and Bank staff, giving staff a better understanding of the business developments driving the figures 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, as well as the results of other surveys including the Bank of England's Bank Liabilities Survey and Credit Conditions Survey.

Separately, the Bank of England agreed to publish the data collected from five banks under 'Project Merlin' on a quarterly basis. The 'Project Merlin' data were published between May 2011 and February 2012, alongside other existing measures of lending.

The Trends in Lending selected data sets published between November 2010 and January 2013 are available here. Most of the series in the selected data sets are available through the Bank of England's Statistical Interactive Database and codes for the series are provided in the data set spreadsheets.

Latest quarterly publication

Published: 23 April 2015 


Trends in Lending - April 2015

Data for charts in Trends in Lending are available in Excel. Please note worksheets only include those series for which we have permission to publish from the data supplier (which could be a third party data supplier).


1. Lending to UK businesses and individuals
2. Loan pricing
3. Credit supply and demand
4. Box - Trends in buy-to-let lending 

If you have any questions or would like to give us feedback regarding Trends in Lending, please contact TiL_enquiries@bankofengland.co.uk.