The Bank of England (BoE) publishes a range of monthly monetary and credit statistics designed to help policymakers, financial institutions, and researchers monitor economic trends, liquidity, and credit conditions in the United Kingdom 2,4 .

The primary monthly publication, the Money and Credit statistical release, provides high-level indicators of broad money (M4ex) and credit (M4Lex) 2, 8 . To support these headline figures, the BoE provides more granular, monthly, and quarterly datasets via Bankstats (Monetary and Financial Statistics) tables and its Interactive Database (IADB) 2, 6 .

This monthly data can be categorized into four core metrics of the UK banking sector’s balance sheet:

• Deposits & Repos

  Tracks deposit liabilities held by UK resident banks and building societies from the non-MFI (Monetary Financial Institutions) sector, including collateralized deposits arising from sale and repurchase agreements (repos) 3, 9 .

• Net Lending

  Measures the monthly net flow of credit (gross lending minus repayments, adjusted for overdrafts) to households and businesses 8, 9.

• Loans – Overdrafts + Reverse Repos

  Represents on-balance sheet assets of banks, comprising standard term loans, revolving overdraft balances, and secured lending via reverse repurchase agreements (reverse repos) 5, 7 .

• Credit Facilities

  Measures the committed but undrawn credit lines (unused credit facilities) available to corporate and retail borrowers, reflecting potential future credit expansion 1, 6 .

Referenced internet pages dealing with BOE (Bank of England) on-line information:

• 1 – BOE – Further details about liquid assets (from : www.bankofengland.co.uk)
• 2 – BOE – Money and Credit – Nov 2025 (from : www.bankofengland.co.uk)
• 3 – ONS – Economic Statistics Transformation Programme (from : www.ons.gov.uk)
• 4 – BOE – Money and Credit – July 2025 (from : www.bankofengland.co.uk)
• 5 – ECB – Consultation on competitiveness of the EU banking (from : www.ecb.europa.eu)
• 6 – BOE – Bankstats Tables (from : www.bankofengland.co.uk)
• 7 – Form AL – Analysis of lending to UK residents
• 8 – BOE – Statistical Release: Money and Credit Nov 2016 (from : www.bankofengland.co.uk)
• 9 – BOE – Statistical Release : Money and Credit Feb 2018 (from : www.bankofengland.co.uk)