Further analysis of loans and advances to UK individuals (IO) return

Key facts

Data to be reported:	Other loans and advances to UK individuals
Who has to report:	Firms with outstanding other loans and advances greater than £100mn. Check who needs to submit returns
Data uses:	Multiple, including: Money and credit release (Bank of England) Bankstats tables (Bank of England) Monetary policy report (Bank of England) Financial stability report (Bank of England) National accounts (ONS)
Frequency:	Monthly
Coverage:	Go to reporting criteria to find detailed calculations used to determine eligibility

Deadlines

Firms need to report figures as at the last calendar day of the reporting period.

Go to reporting criteria to download deadlines for all returns for all available years.

Reporting period	Reporters impacted	Deadline (5pm UK time)	Concessionary deadline (5pm UK time)

Deadlines for 2027 will be released in November 2026.

Instructions

Overview of reported data

This return captures reporting institutions’ further analysis of other loans and advances to UK individuals. It includes:

• personal loans, motor finance products and other advances
• loans where the reporting group holds only a second or subsequent charge on a security

It also captures:

• currency breakdowns – sterling and euro – with foreign currencies to be reported in sterling

In every return firms also need to include:

• their company name
• their legal entity identifier (LEI) or firm reference number (FRN)
• the first day of the reporting period
• the last day of the reporting period

Core documents

You can find detailed instructions in the documents below.

Further analysis of loans and advances to UK individuals (IO) specific documents

Document	Notes for IO reporters	Last updated
Form IS/IC/IO presentation (PPSX)	Includes a high level overview of IS/IC/IO with tips for common reporting issues	N/A
BoE statistics data point model (DPM) 1.3.0 (ZIP)	A folder containing two documents for defining all statistical reporting: annotated templates and a data dictionary. The Table of Contents worksheet in the annotated templates shows reporting templates relating to form IO.	24 Oct 2022
IO definitions (PDF)	Includes details of what’s in scope and definitions of IO-specific terms	1 Apr 2018
BoE statistics validations 1.3.0 (XLSX)	Business validations for cross-checking data points within form IO and the suite of other statistical returns. View column O for a clearly worded description.	24 Oct 2022
Form SPV worked examples (PDF)	Includes detailed instructions on reporting special purpose vehicles.	8 Oct 2020

All statistical returns

Document	Notes for all reporters	Last updated
Classification of accounts guide (PDF)	Includes detailed guidance on how to classify counterparties plus country lists	24 Apr 2024
General notes and definitions (PDF)	Includes an introduction to preparing returns and definitions of common terms	24 Apr 2024