All you need to know
BOE Data on Loans - Overdrafts + Reverse Repos for Companies
This category details the on-balance-sheet credit assets held by UK banks and building societies 2, 10.
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Data Source & Reporting
The data is collected monthly and quarterly using Form AL (Analysis of lending to UK residents) 2, 11. -
Components
- Term Loans: Fixed-term loans with a scheduled maturity (e.g., standard business term loans, mortgages) 5, 9 . These are split by original maturity (“up to 12 months” and “over 12 months”) 8, 10.
- Overdrafts: Overdrawn balances on current accounts 7. They are highly short-term, uncollateralized revolving credit options utilized by individuals and businesses to manage temporary cash flow fluctuations 3 .
- Reverse Repos:
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Exclusions
This category strictly excludes funds placed with other UK MFIs (interbank lending) or non-residents 10.
- 1 – BOE – Bank of England plans expanded repo facilities – Jul 2024 (from : www.businesstimes.com.sg)
- 2 – BOE – Analysis of lending to UK residents (from : www.bankofengland.co.uk)
- 3 – Bank Overdrafts (from : www.betterbusinessfinance.co.uk)
- 4 – BIS – Monetary policy frameworks and central bank market operations (from : elischolar.library.yale.edu)
- 5 – UK Expands Support for Small Businesses – April 2020 (from : som.yale.edu)
- 6 – BOE – Monetary financial institutions (excluding central bank) balance sheet data (from : www.bankofengland.co.uk)
- 7 – ECB – Consultation on competitiveness of the EU banking (from : www.ecb.europa.eu)
- 8 – BOE – Statistical Notice 2018/02 (from : www.bankofengland.co.uk)
- 9 – Small Business Finance Markets 2025/26 (from : www.british-business-bank.co.uk)
- 10 – Form AL – Analysis of lending to UK residents
- 11 – BOE – Details about industrial analysis deposits and lending data (from : www.bankofengland.co.uk)
- 12 – BOE – Statistical Release : Money and Credit Feb 2018 (from : www.bankofengland.co.uk)