Bank Liabilities Survey - 2013 Q3

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 03 October 2013

The 2013 Q3 survey was conducted between 13 August and 4 September 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 volume of retail funding raised continued to be positively affected by an increase in the supply of deposits by households and firms (unrelated to price developments) in Q3, although by significantly less than reported earlier in the year and expected last quarter.

Wholesale markets

In wholesale markets, lenders reported that the proportion of their funding issued in private, rather than public, markets had increased in Q3.


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.

PDFBank liabilities survey -  2013 Q3

PDFAnnex 2018 Q3

Other related publications