Bank Liabilities Survey - 2013 Q2

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 24 June 2013

The 2013 Q2 survey was conducted between 10 May and 31 May 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.


Lenders reported that a rising supply of deposits by households and firms (PNFCs), unrelated to the price of deposits, continued to have a marked positive impact on the volume of deposits raised in Q2.

Wholesale markets

In wholesale markets, lenders reported that the proportion of their funding issued in private, rather than public, markets was broadly unchanged.


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 internally to business units for obtaining funding from the treasury unit, ie the cost of funding the flow of new loans.

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