Bank Liabilities Survey - 2013 Q1

This quarterly survey of banks and building societies is aimed at improving our understanding of the role of lenders’ liabilities and capital in driving credit and monetary conditions.
Published on 26 March 2013

The 2013 Q1 survey was conducted between 8 February and 1 March 2013. 


Banks fund themselves via wholesale and retail markets. Wholesale market funding is provided by larger investors who range from other banks to pension funds and insurance companies, hedge funds and sovereign wealth funds. 


The reported rise in the volume of retail funding and fall in retail deposit spreads was consistent with the significant reported rise in the supply of deposits from households and firms (PNFCs).

Wholesale markets

In wholesale markets, lenders reported that the tenor of funding was broadly unchanged and the proportion of their funding issued in private markets had risen significantly in Q1.


Banks issue capital, a liability, as a source of financing which acts as a buffer against losses incurred on the asset side of their balance sheets.

Transfer pricing

A bank’s transfer price is the marginal absolute cost charged to their business units for obtaining funding from the treasury unit, ie the cost of funding the flow of new loans.

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