Postcode Lending Data

Data for SME, Personal and Mortgage Lending

These figures form part of a joint data reporting exercise, covering lending to SMEs, residential mortgages and personal loans.

Figures above form part of a joint data reporting exercise, covering lending to SMEs, residential mortgages and personal loans, coordinated by the British Bankers' Association (BBA) and the Council of Mortgage Lenders (CML). All the figures shown are Lloyds Banking Group figures only. There are 6 other participating financial institutions. We would note that period on period comparison is not available as totals since Quarter 1 2014 exclude balances related to TSB Banking Group plc, which were previously reported within Lloyds Banking Group’s submission. The BBA and CML will publish aggregate level data whilst other institutions will publish their data separately and is accessible via the lenders’ respective websites.

     Click here to access the BBA website to view aggregate level personal lending and SME lending data

     Click here to access the CML website to view aggregate level mortgage lending data

The figures show the sterling equivalent value of outstanding balances (in all currencies) that have been advanced to, and drawn down by, borrowers and are reported using the Royal Mail's sector postcode classification, as maintained periodically by the Office for National Statistics. Figures cover Great Britain only, and so exclude Northern Ireland and the Crown Dependencies of Jersey, Guernsey and the Isle of Man. Great Britain currently has about 1.8 million full postcodes, 11,000 sector postcodes, 3,000 districts and 120 postal areas. Postcode reporting is restricted to those sector postcodes which are valid and live, according to the most recent Royal Mail listing at the time of data reporting by lenders.

In order to safeguard customer confidentiality and satisfy all relevant data privacy, competition and other laws, the BBA, CML and individual lenders have applied a number of redaction filters. These filters are as follows:

     a.    Borrowing stocks in a sector postcode is not disclosed where customer confidentiality could be compromised (i.e. where fewer than 10 borrowers exist in the sector or where borrowing is highly concentrated between the two largest borrowers in the sector).

     b.    Financial institutions are not obliged to publish borrowing at sector level if they hold less than 10% of SME borrowing, 3% of mortgages or 3% of personal loans in a sector.

Wherever possible, any figures which either could not be attributed to a specific sector postcode, or had to be redacted for data privacy or other reasons have been added into the area totals. This means that aggregate figures may not be exactly comparable across different postal areas. Sector postcodes do not necessarily map across readily or exactly to alternative geographic classifications.

Notes for SME lending data
1. SME lending figures relate to borrowing through loans and overdrafts ONLY. Other forms of finance (e.g. business credit cards or asset-based finance) are used by SMEs, but not included here.

2. The BBA aggregate totals of SME loans and overdrafts compiled in this exercise represent about 60% of the total national market of all lending to SMEs by banks and building societies. Users therefore should take considerable care in interpreting local-level figures, as they will not necessarily be truly representative of the picture of SME finance as a whole.

Notes for Mortgage lending data
1. Mortgage figures are based on Bank of England reporting classifications, and will include most buy-to-let activity, as well as borrowing by home-owners.

2. Participating lenders together represent about 73% of the total national residential mortgage market. Users therefore should take considerable care in interpreting local-level figures, as they will not necessarily be truly representative of the picture for the mortgage industry as a whole.

Notes for Personal Loans lending data
1. Personal loan figures are based on Bank of England reporting classifications, and will reflect unsecured borrowing by individuals and households.

2. Personal loan figures for participating lenders together represent under 30% of the total national unsecured credit market and an estimated 60% of all personal loans. Users therefore should take considerable care in interpreting local-level figures, as they will not necessarily be truly representative of the picture for unsecured credit as a whole.

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