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Credit Conditions Survey - 2024 Q3
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 2024 Q3 survey. Lenders were asked to report changes in the three months to end-August 2024 (Q3), relative to the period between March and May, and expected changes in the three months to end-November 2024 (Q4), relative to the period between June and August. The survey was conducted between 27 August and 13 September 2024. Any impact on lenders’ expectations from developments occurring within this period may not be fully captured, and any impact from more recent developments will not be captured at all.
The results are based on lenders’ own responses to the survey and are reported as net percentage balances. The changes in balances are described as an ‘increase’ if greater than 10 in absolute terms, as ‘slight’ if between 5 and 10 and as ‘unchanged’ if less than 5. 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.
· 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 2024 Q3 survey. Lenders were asked to report changes in the three months to end-August 2024 (Q3), relative to the period between March and May, and expected changes in the three months to end-November 2024 (Q4), relative to the period between June and August. The survey was conducted between 27 August and 13 September 2024. Any impact on lenders’ expectations from developments occurring within this period may not be fully captured, and any impact from more recent developments will not be captured at all.
The results are based on lenders’ own responses to the survey and are reported as net percentage balances. The changes in balances are described as an ‘increase’ if greater than 10 in absolute terms, as ‘slight’ if between 5 and 10 and as ‘unchanged’ if less than 5. 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.
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