Bank Liabilities Survey - 2014 Q4

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 06 January 2015

The 2014 Q4 survey was conducted between 10 November and 1 December 2014.


The terms and conditions under which banks can raise funding will influence their capacity to lend and the price of that lending.


Lenders reported that the supply of deposits from PNFCs and households had made a positive contribution to the volume of deposits raised in 2014 Q4.

Wholesale markets

The proportion of wholesale market funding issued in public, rather than private, markets increased significantly in 2014 Q4, and was expected to increase further in 2015 Q1.


Banks’ capital positions may affect banks’ funding costs and the price and availability of credit to households and companies, while the costs of capital are also taken into account when banks price lending.

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 - 2014 Q4

ExcelAnnex - 2014 Q4

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