LPMBZ2M

Notes:

[a] These series may be affected by securitisations and loan transfers up to December 2009.

[b] 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.

[c] This series has been seasonally adjusted from January 2010. Prior to 2010, this series has not been seasonally adjusted as after examination it was found not to be significantly seasonal.

[d] The Office for National Statistics have recently completed a review of the Credit Grantors Survey and have re-examined the assumptions underlying this series. This has decreased the amount outstanding of credit card lending by £2bn and the amount outstanding of other unsecured lending by £8bn in January 2010. Flows of gross and net lending were not significantly affected. (31 Jan 2010)

[e] Due to changes to reporting of securitised loans, along with related liabilities, the amount outstanding of this series has decreased by £171bn. The movement has been adjusted out of the flows for January 2010. For details, see the Monetary and Financial Statistics article http://www.bankofengland.co.uk/statistics/documents/ms/articles/art1feb10.pdf. (31 Jan 2010)

[f] Due to a restructuring of a reporting institution, amounts outstanding of lending by MFIs have fallen by £30bn, and amounts outstanding of lending by OSLs have increased by £30bn. This movement has been adjusted out of the flows for January 2010. (31 Jan 2010)

[g] Due to a population change during December 2010 there was a switch of credit card lending from the MFI sector to the other specialist lenders' sector. This movement has been adjusted out of the credit card lending flows data. Amounts outstanding and flows for total unsecured lending were not affected. (31 Dec 2010)

[h] The Office for National Statistics regularly reviews its reporters to the Credit Grantors Survey. Due to a change in the reporting population, the amount outstanding of unsecured credit in January 2011 has decreased by £3.3bn from the level in December 2010. Of this credit card lending decreased by £0.4bn and other unsecured lending decreased by £2.9bn. These movements have been adjusted out of the lending flows for January 2011. (31 Jan 2011)

[i] Due to changes in the reporting population during June 2012, the amounts outstanding increased by £3.5bn. (30 Jun 2012)

[j] Due to a change in the reporting population, the amounts outstanding have increased by £8bn. The effect has been adjusted out of the flows for January 2013. (31 Jan 2013)

[k] Due to improvements in reporting, the amounts outstanding increased by £1.7bn. This effect has been adjusted out of the flows for January 2015. (31 Jan 2015)

[l] Due to a loan transfer by one reporting institution, the amounts outstanding decreased by £2bn.  This effect has been adjusted out of the flows for July 2015. (31 Jul 2015)

[m] Due to a loan transfer, the amounts outstanding decreased by £1.4bn. This effect has been adjusted out of the flows for September 2015. (30 Sep 2015)

[n] Due to a loan portfolio sale, the amounts outstanding decreased by £0.6bn. This effect has been adjusted out of the flows for December 2015. (31 Dec 2015)

[o] Due to a loan portfolio sale, the amounts outstanding decreased by £3bn. This effect has been adjusted out of the flows for December 2015. (31 Dec 2015)

[p] Due to changes in the reporting population, this series has decreased by around £1bn.  This effect has been adjusted out of the flows for January 2016. (31 Jan 2016)

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

[r] Due to changes in the reporting population, this series has increased by £8bn. This effect has been adjusted out of the flows for May 2016. (31 May 2016)

[s] Due to a reporting change at one institution, the amounts outstanding decreased by £1.4 billion. This effect has been adjusted out of the flows for June 2016. (30 Jun 2016)

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

[u] Due to a loan transfer by one reporting institution, the amounts outstanding decreased by £5bn. This effect has been adjusted out of the flows for April 2018. (30 Apr 2018)

[v] The Office for National Statistics transferred their collection of monthly consumer credit data by 'other specialist lenders' to the Bank of England in April 2024. The Bank of England began collecting these data on 'Form MC' and made initial amendments to the reporting population. The overall impact of these amendments has been broadly balanced, with only a slight increase in the amounts outstanding, and some changes to gross lending and repayments series for consumer credit. (30 Apr 2024)