LPMVZRI

Notes:

[a] Owing to the seasonal adjustment of this series, it may not equal the sum of its institutional breakdown. The residual can be found on the Bank's Interactive Database (LPMB4A8).

[b] This series is updated annually following the publication of relevant data by The Student Loans Company. An alternative measure, excluding student loans, is published each month. The equivalent series reference is available at www.bankofengland.co.uk/statistics/documents/iadb/notesiadb/mappingdoc.pdf. Further information can be found in Bankstats, July 2012, 'A new measure of consumer credit', available at www.bankofengland.co.uk/statistics/Documents/ms/articles/art1jul12.pdf.

[c] Mortgage Style Loans are no longer included in this series from April 2013 following their sale to a third party. For more information, see www.slc.co.uk/official-statistics.aspx.

[d] Due to changes to reporting of securitised loans, along with related liabilities, the amount outstanding of this series has increased by £9bn. 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)

[e] 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)

[f] 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)

[g] The level of other unsecured lending has been reduced by £0.3bn following the transfer of a loan portfolio to a non-resident company. The movement has been adjusted out of the net lending flows for May 2011. (31 May 2011)

[h] Due to improvements in reporting at one institution, the amounts outstanding decreased by £2bn. This effect has been adjusted out of the flows for January 2012. (31 Jan 2012)