KDI 경제정보센터

As part of our mission to maintain monetary and financial stability, we need to understand trends and developments in credit conditions. This quarterly survey of bank and building society lenders is an input to this work. The survey covers:

- secured and unsecured lending to households; and
- lending to non-financial corporations, small businesses, and to non-bank financial firms.

This report presents the results of the 2022 Q4 survey. It was conducted between 21 November and 9 December 2022. Any impact from more recent developments will therefore not be captured.

Lenders were asked to report changes in the three months to end-November 2022 (Q4), relative to the period between June and August (Q3), and expected changes in the three months to end-February 2023 (Q1), relative to the period between September and November.

The results are based on lenders’ own responses to the survey, and are reported as net percentage balances. The results do not necessarily reflect our views on credit conditions. You can read a full guide to interpreting the survey and copies of the questionnaires at the end of this page.

You can also read more background information on the survey in the 2007 Q3 Quarterly Bulletin article ‘The Bank of England Credit Conditions Survey’.

The 2023 Q1 Credit Conditions Survey will be published on 13 April 2023.