LPMBI2O

Notes:

[a] Owing to the seasonal adjustment of this series, it may not equal the sum of its institutional breakdown. The residual can be found on the Bank's Interactive Database (LPMB5TF).

[b] The level of credit card lending has been reduced by £0.3bn following the securitisation of a credit card portfolio to an associated non-resident company. The movement has been adjusted out of the net flows for March 2005. (31 Mar 2005)

[c] The level of credit card lending has been reduced by £0.3bn following the transfer of a credit card portfolio to an associated non-resident company. The movement has been adjusted out of the net flows for April 2005. (30 Apr 2005)

[d] The level of credit card lending has been reduced by £0.5bn following the securitisation of a credit card portfolio to an associated non-resident company. The movement has been adjusted out of the net flows for September 2005. (30 Sep 2005)

[e] The amount outstanding of credit card lending has been reduced by £0.8bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for February 2006. (28 Feb 2006)

[f] The amount outstanding of credit card lending has been reduced by £0.3bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for March 2006. (31 Mar 2006)

[g] The amount outstanding of credit card lending has been reduced by £0.2bn following the transfer of portfolios to non-resident companies. This movement has been adjusted out of the net flows for May 2006. (LPMBI2O=31 May 2006) (LPMBI2O=30 Jun 2006)

[h] The amount outstanding of credit card lending has been reduced by £0.5bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for June 2006. (30 Jun 2006)

[i] The amount outstanding of credit card lending has been reduced by £0.5bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for June 2006. (30 Jun 2006)

[j] The amount outstanding for other unsecured lending has been reduced by £0.2bn following the sale of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for July 2006. (31 Jul 2006)

[k] The amount outstanding of credit card lending has been reduced by £0.4bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for November 2006. (30 Nov 2006)

[l] The amount outstanding of credit card lending has been increased by £0.4bn following the transfer of portfolios from non-resident companies. This movement has been adjusted out of the net flows for May 2007. (LPMBI2O=31 May 2007) (LPMBI2O=30 Jun 2007)

[m] The amount outstanding of credit card lending has been increased by £0.5bn following the transfer of a portfolio from a non-resident company. This movement has been adjusted out of the net flows for September 2007. (30 Sep 2007)

[n] Second charge mortgages were reclassifed from lending secured on dwellings to other loans and advances in September. This movement has been adjusted out of the net flows for September. Amounts outstanding have not been adjusted. (30 Sep 2007)

[o] The Other Consumer Credit Lenders series are affected by the restructure of businesses in October 2007. Flows have been reduced to remove this effect. Amounts outstanding have not been adjusted. (31 Oct 2007)

[p] The amount outstanding of credit card lending has increased by £0.3bn following transfers of portfolios from non-resident companies. This movement has been adjusted out of net flows for October 2007. (31 Oct 2007)

[q] The amount outstanding of credit card lending has increased by £0.3bn following the transfer of a portfolio from a non-resident company. This movement has been adjusted out of the net flows for November 2007. (30 Nov 2007)

[r] The amount outstanding of other loans and advances by building societies has increased by £0.5bn, following a reclassification of loans by one institution. This movement has been adjusted out of the net lending flows for January. (31 Jan 2008)

[s] The amount outstanding of credit card lending has increased by £0.5bn following the transfer of a portfolio from a non-resident company. This movement has been adjusted out of the net flows for May 2008. (31 May 2008)

[t] The amount outstanding of credit card lending has been reduced by £0.4bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for June 2008. (30 Jun 2008)

[u] Following a review of the compilation of other consumer credit lenders' data, the amount outstanding of credit card lending has been reduced by £1.3bn in July 2008. This movement has been adjusted out of the net flows for July 2008. (31 Jul 2008)

[v] Following a review of the compilation of other consumer credit lenders' data, the amount outstanding of other loans and advances has increased by £5.5bn in July 2008. This movement has been adjusted out of the net flows for July 2008. (31 Jul 2008)

[w] The amount outstanding of credit card lending increased by £1.0bn, because a UK-resident bank increased its share holding in a non-resident company. This movement has been adjusted out of the net flows for September 2008. (30 Sep 2008)

[x] The amount outstanding of credit card lending fell by £2.7bn following the transfer of a portfolio to a non-resident company. This movement has been adjusted out of the net flows for October 2008. (31 Oct 2008)

[y] The amount outstanding of credit card lending rose by £0.1bn following the desecuritisation of a credit card portfolio to a UK bank from an associated non-resident company. This movement has been adjusted out of the lending flows for January 2009. (31 Jan 2009)

[z] Due to a change in the reporting population and the introduction of methodological improvements to The Office for National Statistic¿s Credit Grantors Survey, the amount outstanding of unsecured credit in January 2009 has decreased by £14.4bn from the level in December 2008. Of this, credit card lending decreased by £1.4bn and other unsecured lending decreased by £13.0bn. These movements have been adjusted out of the lending flows for January 2009. (31 Jan 2009)

[1] The amount outstanding of credit card lending rose by £0.1bn following the desecuritisation of a credit card portfolio to a UK bank from an associated non-resident company. This movement has been adjusted out of the lending flows for February 2009. (28 Feb 2009)

[2] The amount outstanding of credit card lending fell by £0.3bn following the securitisation of a credit card portfolio from a UK bank to an associated non-resident company . This movement has been adjusted out of the lending flows for March 2009. (31 Mar 2009)

[3] The amount outstanding of credit card lending increased by £0.4bn following the desecuritisation of credit card portfolios from several UK banks to associated non-resident companies. This movement has been adjusted out of the lending flows for April 2009. (30 Apr 2009)

[4] The amount outstanding of credit card lending increased by £1.5bn following the desecuritisation of credit card portfolios to several UK banks from associated non-resident companies. This movement has been adjusted out of the lending flows for May 2009. (31 May 2009)

[5] The amount outstanding of credit card lending increased by £0.5bn following transfers of credit card portfolios between several UK banks and associated non-resident companies.This movement has been adjusted out of the lending flows for June 2009. (30 Jun 2009)

[6] The amount outstanding of credit card lending increased by £0.3bn following the desecuritisation of credit card portfolios to several UK banks from associated non-resident companies.This movement has been adjusted out of the lending flows for July 2009. (31 Jul 2009)

[7] The amount outstanding of credit card lending increased by £0.6bn following the desecuritisation of credit card portfolios to several UK banks from associated non-resident companies. This movement has been adjusted out of the lending flows for September 2009. (30 Sep 2009)

[8] The amount outstanding of credit card lending increased by £0.5bn following the desecuritisation of credit card portfolios to several UK banks from associated non-resident companies. This movement has been adjusted out of the lending flows for October 2009. (31 Oct 2009)

[9] The amount outstanding of credit card lending increased by £0.3bn following the desecuritisation of credit card portfolios to several UK banks from associated non-resident companies. This movement has been adjusted out of the lending flows for November 2009. (30 Nov 2009)

[10] The amount outstanding of credit card lending decreased by £0.1bn following the securitisation of credit card portfolios from a UK bank to an associated non-resident company. This movement has been adjusted out of the lending flows for December 2009. (31 Dec 2009)

[11] The Office for National Statistics have recently completed a review of the Credit Grantors Survey and have re-examined the assumptions underlying this series. This has decreased the amount outstanding of credit card lending by £2bn and the amount outstanding of other unsecured lending by £8bn in January 2010. Flows of gross and net lending were not significantly affected. (31 Jan 2010)

[12] Due to changes to reporting of securitised loans, along with related liabilities, the amount outstanding of this series has increased by £9bn. The movement has been adjusted out of the flows for January 2010. For details, see the Monetary and Financial Statistics article http://www.bankofengland.co.uk/statistics/documents/ms/articles/art1feb10.pdf. (31 Jan 2010)

[13] The Office for National Statistics regularly reviews its reporters to the Credit Grantors Survey. Due to a change in the reporting population, the amount outstanding of unsecured credit in January 2011 has decreased by £3.3bn from the level in December 2010. Of this credit card lending decreased by £0.4bn and other unsecured lending decreased by £2.9bn. These movements have been adjusted out of the lending flows for January 2011. (31 Jan 2011)

[14] The level of other unsecured lending has been reduced by £0.3bn following the transfer of a loan portfolio to a non-resident company. The movement has been adjusted out of the net lending flows for May 2011. (31 May 2011)

[15] Due to improvements in reporting at one institution, the amounts outstanding decreased by £2bn. This effect has been adjusted out of the flows for January 2012. (31 Jan 2012)

[16] Due to a change in the reporting population, this series has increased by £0.5bn. The effect has been adjusted out of the flows for December 2012. (31 Dec 2012)

[17] Due to a restructuring at one reporting institution the amounts outstanding increased by £1bn. This effect has been adjusted out of the flows for January 2013. (31 Jan 2013)

[18] Following a purchase of loans by one reporting institution, the amounts outstanding increased by £2bn. This effect has been adjusted out of the flows for July 2013. (31 Jul 2013)

[19] Due to a change in the reporting population, the amounts outstanding increased by £2bn. The effect has been adjusted out of the flows for September 2014. (30 Sep 2014)

[20] Due to a loan transfer by one reporting institution, the amounts outstanding increased by £2bn. This effect has been adjusted out of the flows for October 2014. (31 Oct 2014)

[21] Due to improvements in reporting, the amounts outstanding increased by £1.7bn. This effect has been adjusted out of the flows for January 2015. (31 Jan 2015)

[22] Due to a loan transfer, the amounts outstanding decreased by £1.4bn. This effect has been adjusted out of the flows for September 2015. (30 Sep 2015)

[23] Due to a loan portfolio sale, the amounts outstanding decreased by £0.6bn. This effect has been adjusted out of the flows for December 2015. (31 Dec 2015)

[24] Due to changes in the reporting population, this series has decreased by around £1bn.  This effect has been adjusted out of the flows for January 2016. (31 Jan 2016)

[25] Due to improvements in reporting at one institution, the amounts outstanding decreased by £0.5bn. This effect has been adjusted out of the flows for January 2018. (31 Jan 2018)

[26] Due to improvements in reporting at one institution, the amounts outstanding increased by £0.6bn. This effect has been adjusted out of the flows for February 2018. (28 Feb 2018)

[27] The Office for National Statistics transferred their collection of monthly consumer credit data by 'other specialist lenders' to the Bank of England in April 2024. The Bank of England began collecting these data on 'Form MC' and made initial amendments to the reporting population. The overall impact of these amendments has been broadly balanced, with only a slight increase in the amounts outstanding, and some changes to gross lending and repayments series for consumer credit. (30 Apr 2024)