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Home > Publications > Trends in Lending

Trends in Lending

This Bank of England quarterly publication presented the Bank's assessment of the latest trends in lending to the UK economy between April 2009 and April 2015. This report has been replaced by the Credit Conditions Review since 2015 Q2. 

This report drew 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 were supplemented by discussions between Bank staff and the major UK lenders and this intelligence was reflected in the report. The major UK lenders for this period were Banco Santander, Barclays, HSBC, Lloyds Banking Group, Nationwide and Royal Bank of Scotland. The report also drew 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.