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Notes:

[a] Please note that the compilation and descriptions of some credit series have changed from publication of April 2015 data, as described in Bankstats, April 2015, 'Changes to the treatment of loan transfers and lending to housing associations', available at www.bankofengland.co.uk/statistics/Documents/ms/articles/art1apr15.pdf.

[b] Changes in the reporting population in August 2003 led to a reduction in lending secured on dwellings of £1.5bn and an increase in lending to other financial corporations of £1.4bn. Adjustments have been applied to remove the effects from the flows. Amo (31 Aug 2003)

[c] A reclassification of loans by one institution has reduced M4 lending to individuals (secured on dwellings) by around £1bn and increased M4 lending to individuals (other loans) by around £1bn. The effects of this change have been removed from the flows data. (31 Jan 2008)

[d] Following the transition of building societies' statistical reporting from the FSA to the Bank of England on 1 January 2008, some minor changes to the building societies' contribution to the calculation of the Monthly Sectoral Analysis of M4 and M4 Lending have been implemented. The effects of these have been removed from the flows data, and are small in terms of the amounts outstanding. (31 Jan 2008)

[e] The amount outstanding of secured lending increased by £0.8bn following the transfer of a portfolio from a non-resident company. This movement has been adjusted out of the net flows for October 2008. (31 Oct 2008)

[f] From April 2009 data onwards, banks' and building societies' own covered bond entities are part of the bank or building society. Positions between banks/building societies and their covered bond entities are netted out; assets held by covered bond entities are now included on banks'/building societies' balance sheets. This led to a £96bn fall in amounts outstanding of loans to and investments in OFCs, the effect of which has been removed from the flows data for April. (30 Apr 2009)

[g] Due to changes to reporting of securitised loans, along with related liabilities, the amount outstanding of this series has decreased by £62bn. The movement has been adjusted out of the flows for January 2010. For further details please see http://www.bankofengland.co.uk/statistics/documents/ms/articles/art1feb10.pdf. (31 Jan 2010)

[h] Due to a restructuring of a reporting institution, amounts outstanding have fallen by £26bn. This movement has been adjusted out of the flows for January 2010. (31 Jan 2010)

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

[j] Due to a change in accounting treatment at one reporting institution, the amounts outstanding increased by £7bn. This effect has been adjusted out of the flows for June 2012. (30 Jun 2012)

[k] Due to a loan transfer by one reporting institution, the amounts outstanding increased by £3bn. This effect has been adjusted out of the flows for December 2015. (31 Dec 2015)

[l] Due to a loan transfer by one reporting institution, the amounts outstanding increased by £7bn. This effect has been adjusted out of the flows for April 2016. (30 Apr 2016)

[m] Due to a change in group structure by one reporting institution, the amounts outstanding increased by £6bn. This effect has been adjusted out of the flows for September 2017. (30 Sep 2017)