• Full Statistical Release (35k)
  
• Tables
  
• Revisions
  
• Highs and Lows
  
• Notes to Editors
  
• Comments and Queries

Total net lending to individuals rose by £1.2 billion in December (Table A). The twelve-month growth rate remained at 0.7%.  The three-month annualised growth rate was 0.8%, a 0.1 percentage point increase on a revised 0.7% for November.

Within the total, net lending secured on dwellings increased by£1.2 billion (Table A), below the revised November increase of £1.6 billion, but above the previous six-month average of £0.9 billion.  The twelve-month growth rate was 0.9%, a fall of 0.1 percentage points from a revised 1.0% for November. The three-month annualised growth rate remained at 1.2%.  Within total secured lending, secured lending by banks (excluding the effects of securitisations) increased by £3.0 billion, below the revised November increase (£3.9 billion) but slightly higher than the previous six-month average of £2.9 billion. The number of loan approvals for house purchase (59,023) was lower than the November figure (60,045) but above the previous six-month average (55,004); approvals for remortgaging (27,276) were higher than in November but remained below the previous six-month average. The number of loans approved for other purposes (26,666) was lower than both the November figure and the previous six-month average (Table B).

Consumer credit increased by £0.1 billion, above the previous six‑month average of a net repayment of £0.3 billion, and the first increase since June 2009 (Table A).  Credit card lending increased by £0.2 billion but other loans and advances fell by £0.1 billion. The annual growth rate of consumer credit remained at -0.5%; the three-month annualised growth rate increased to -1.5%.

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Tables

Table A - Net lending to individuals
	PDF Version (11k)
	Microsoft Excel Version (20k)
Table B - Approvals secured on dwellings
	PDF Version (10k)
	Microsoft Excel Version (20k)
Table C - Total lending to individuals, lending secured on dwellings and consumer credit
	PDF Version (20k)
	Microsoft Excel Version (52k)

Revisions to Table A

PDF Version (11k)

Highs and Lows

PDF Version (11k)

Notes to Editors

	Notes and definitions for lending to individuals
	Information on growth rates and revisions policy.

Comments and Queries

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Next release date: 1 March 2010