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Money and Credit data
We publish statistics on borrowing and deposits by households and businesses from banks and other sources. These statistics are used by our policy committees to understand economic trends and developments in the banking system.
- Money and credit statistical releases
- Upcoming release dates
- Bankstats tables (refer to sections A-D)
- Visual summaries (useful charts of headline series)
- Our database (containing full back runs of data)
Further details about our data:
- Total lending to individuals data
- Bank's estimate of housing equity withdrawal data
- Industrial analysis of monetary financial institutions deposits and lending data
- Notes and coin and reserves balances data
- M0 data
- M3 (estimate of European monetary union aggregate for the UK) data
- M4 data
- M4 excluding intermediate other financial corporations (OFCs) data
- Counterparts to M4 data
- Liquid assets outside M4 data
- Sectoral analysis of M4 and M4 lending data
- Sectoral deposits and Divisia money data
- Monetary financial institutions (excluding central bank) balance sheet data
- Monetary financial institutions (excluding central bank) holdings of UK government securities data
- Central bank's balance sheet (Bank of England 'Bank return') data
- Monetary financial institutions' consolidated balance sheet (and contributions) data
- Monetary financial institutions' securitisation activities and issuance of securities by SPVs data
- Monetary financial institutions’ loans to non-financial businesses, by size of business data
- Write-offs and other revaluations of loans by monetary financial institutions data
- Revisions
- Changes, flows, growth rates data
- Seasonal adjustment data
- Break-adjusted levels data
Link to mortgage lenders and administrators statistics
The money and credit data includes monthly data on the volume of mortgage lending to households. More detailed quarterly data on mortgage lending can be found in the Mortgage Lenders and Administrators statistical release and Return below. Please also see below Statistics article comparing the Bank’s different data on mortgages.
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Sterling money market data
Quarterly data on secured and unsecured sterling money market activity.
Release dates
- 30 January 2019 (December 2018 data)
- 1 May 2019 (March 2019 data)
- 29 July 2019 (June 2019 data)
- 29 October 2019 (September 2019 data)
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Housing equity withdrawal
We publish quarterly data on housing equity withdrawal – the balance of changes in the stock of secured lending and changes in the stock of housing wealth.
Release dates
- 31 December 2018 (September 2018 data)
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Narrow money (notes and coins) and reserve balances
Our monthly notes and coin statistics show the amount of sterling banknotes and coins in circulation. We publish data on our reserves at the same time.
Release dates
- 7 November 2018 (October 2018 data)
- 5 December 2018 (November 2018 data)
- 3 January 2019 (December 2018 data)
- 6 February 2019 (January 2019 data)
- 6 March 2019 (February 2019 data)
- 3 April 2019 (March 2019 data)
- 1 May 2019 (April 2019 data)
- 5 June 2019 (May 2019 data)
- 3 July 2019 (June 2019 data)
- 7 August 2019 (July 2019 data)
- Bankstats tables (Table A1.1.1)
- Our Database (containing full back runs of data)
- Further details about notes and coin and reserves balances data
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Write-offs and other revaluations of loans by monetary financial institutions
Write-offs are changes in the value of an institution’s assets resulting from the institution’s active decisions to revalue claims.
Release dates
- 29 November 2018 (September 2018 data)
- 1 March 2019 (December 2018 data)
- 31 May 2019 (March 2019 data)
- 30 August 2019 (June 2019 data)
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Consumer Credit including student loans
This annually updated dataset includes lending via government student finance schemes, which aren’t included in our other consumer credit data. Data is released around July each year.
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UK International Reserves
The Bank of England manages the UK’s official reserves on behalf of the Government. We publish data on UK holdings of international reserves and foreign currency liquidity once a month.
Quoted interest rates
Monthly data on advertised interest rates for a range of mortgage, consumer credit and deposit products offered to households.
Release dates
- 7 November 2018 (October 2018 data)
- 7 December 2018 (November 2018 data)
- 8 January 2019 (December 2018 data)
- 7 February 2019 (January 2019 data)
- 7 March 2019 (February 2019 data)
- 5 April 2019 (March 2019 data)
- 8 May 2019 (April 2019 data)
- 7 June 2019 (May 2019 data)
- 5 July 2019 (June 2019 data)
- 7 August 2019 (July 2019 data)
Effective interest rates
Each month the Bank publishes data on effective interest rates. These show average interest rates across households and businesses deposit or loan accounts with UK banks and building societies.
Financial markets, income, and external business
The Bank publishes regular statistics on financial markets, MFIs’ income and expenditure, and MFIs’ external balance sheet. These include quarterly data on UK-owned MFIs’ consolidated worldwide claims, and quarterly data on UK resident MFIs’ income and expenditure, financial derivative positions, and claims and liabilities with non-residents. The Bank also publishes monthly estimates of capital issuance where UK resident MFIs act as the issuing agents.
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Capital issuance
Capital issuance statistics consist of UK-based primary market issuance of bonds, commercial paper and equity, representing finance raised in the UK.
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External business of Monetary Financial Institutions operating in the UK
This statistical release covers claims on and liabilities to non-residents by UK-resident banks and building societies (monetary financial institutions).
- External business of Monetary Financial Institutions operating in the UK statistical release
- Upcoming release dates
- Bankstats tables (Tables C3.1 to C3.4)
- Our Database (containing full back runs of data)
- Further details about external business of monetary financial institutions operating in the UK data
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Consolidated worldwide claims
This statistical release covers the consolidated worldwide claims and unused commitments of UK-owned monetary financial institutions (excluding central bank) and their branches and subsidiaries worldwide.
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Capital expenditure
Capital expenditure data measure MFIs cash expenditure on acquisitions, and cash receipts from disposals, covering assets both for firms’ own use and for leasing, hiring or renting out under finance leases.
Refer to section ‘Monetary financial institutions in the United Kingdom: Capital `expenditure’, sourced from Our Database
- 9 November 2018 (September 2018 data)
- 12 February 2019 (December 2018 data)
- 15 May 2019 (March 2019 data)
- 9 August 2019 (June 2019 data)
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Income and expenditure
Data on UK-resident MFIs’ income and expenditure are published on a quarterly basis in Bankstats table B3.1 and are comparable with figures that feed into the UK National Accounts for the MFI sector. Data on UK MFIs’ profit and loss statement are available on annual basis in Bankstats table B3.2.
Release dates
- 4 January 2019 (2018 Q3 data)
- 29 March 2019 (2018 Q4 data)
- 1 July 2019 (2019 Q1 data)
- 30 September 2019 (2019 Q2 data)
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Financial derivative positions of banks
Data on UK-resident MFIs’ financial derivatives at gross market values are published on a quarterly basis. Data are comparable with figures that into the UK National Accounts for the MFI sector.
Release dates
- 29 November 2018 (September 2018 data)
- 1 March 2019 (December 2018 data)
- 31 May 2019 (March 2019 data)
- 30 Aug 2019 (June 2019 data)
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Annual reweighting of the sterling exchange rate index
The Bank of England carries out an annual update of the sterling exchange rate index weights. The sterling exchange rate index (ERI) is a measure of the overall change in the trade-weighted exchange value of sterling, calculated by weighting together bilateral exchange rates. It is designed to measure changes in the price competitiveness of traded goods and services, and so the weights reflect trade flows in manufactured goods and services.
Next pre-announcement and actual announcement date to be confirmed
Regulatory data
This section includes data on mortgage lending activities, data on levels of capital and risk-weighted assets for the UK banking sector, and credit union statistics.-
Mortgage Lenders and Administrators Statistics
The Mortgage Lenders and Administrators Return (MLAR) is a quarterly statistical release aggregated from data on mortgage lending activities provided by around 340 regulated mortgage lenders and administrators.
- Mortgage Lenders and Administrators statistical release
- Upcoming release dates
- Further details about mortgage lenders and administrators statistics
- Further details on MLAR available from the FCA
- Prudential regulation publications
Link to Money and Credit statistical releaseThe Money and Credit data includes monthly data on the volume of mortgage lending to households, and the quoted and effective interest data provides monthly data on a variety of mortgage rates. Please see below links to statistical release and Statistics article comparing the Bank’s different data on mortgages.
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Banking sector regulatory capital
This quarterly statistical release shows levels of capital and risk-weighted assets for the UK banking sector. It includes breakdowns of the movements in different tiers of capital and risk exposure types, and overall capital ratios.
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Credit unions
The credit union (quarterly and annual) statistics are aggregated from returns submitted by authorised credit unions in the United Kingdom.
- Credit union quarterly statistics
- Upcoming release dates
- Credit union annual statistics
- Upcoming release dates
- Further details about credit union statistics
- Prudential regulation page on regulatory reporting – credit unions
The credit union quarterly statistics are statistics aggregated from the annual (CY) returns submitted by authorised credit unions in the United Kingdom
The credit union annual statistics are statistics aggregated from the annual (CY) returns submitted by authorised credit unions in the United Kingdom
Data quality
Statistical Code of Practice
The Statistical Code of Practice sets out our standards for the collection, compilation and dissemination of monetary, financial and regulatory data. These standards are similar to the ones used by the UK Statistics Authority.
Data Quality Framework
Definitions of statistical data quality are maintained by international bodies such as the International Monetary Fund, the United Nations Economic Commission for Europe and the European Statistical System. The Data Quality Framework (2014) describes how we interprets statistical data quality concepts in our published statistics.
Cost benefit analysis
In 2005-06 we looked at the balance of costs between reviewing existing statistical outputs regularly and assessing new statistics. We wanted to create more considered assessments but had to balance that with the reporter’s compliance costs. Our approach is explained in the Cost-benefit analysis of monetary and financial statistics (2006). The principle of assessing the balance between costs and benefit when we produce statistics still applies.
Contact
Please email DSD_Editor@bankofengland.co.uk if you have any enquiries on the statistics above.
Please see the historical version of the website (National Archives) for any statistical releases and articles published prior to 2015.
