This report presents the results of the 2024 Q2 survey. The survey was conducted between 28 May and 14 June 2024. The results are based on lenders’ own responses to the survey and are reported as net percentage balances.
The availability of secured credit to households, вероятно, increase slightly в 3-м квартале.
The availability of unsecured credit to households was unchanged in Q2 and was expected to remain unchanged in Q3.
The overall availability of credit to the corporate sector was unchanged in Q2. Availability for small and medium businesses increased while large availability was unchanged in Q2.
Demand for secured lending for house purchase increased in Q2 and was expected to be unchanged in Q3.
Overall demand for unsecured lending increased in Q2, and was expected to be unchanged in Q3. Within the overall figure, demand for credit card lending increased in Q2, and was expected to decrease slightly in Q3.
Demand for corporate lending from businesses of all sizes was unchanged in Q2. Demand for corporate lending in Q3 was expected to decrease slightly for small businesses, and was expected to be unchanged for medium and large-sized businesses.
Overall spreads on secured lending to households – relative to Bank Rate or the appropriate swap rate – widened in Q2, and were expected to widen slightly in Q3.
Overall unsecured lending spreads were unchanged in Q2, and were expected to be unchanged in Q3.
Spreads on corporate lending to small businesses slightly widened in Q2, were unchanged for medium-sized businesses, and slightly narrowed for large businesses.
Default rate on secured loans to households increased in Q2, and was expected to increase again in Q3. Losses given default on secured loans increased in Q2, and were expected to be unchanged in Q3.
Default rates on loans to corporates slightly increased for small and medium businesses, and were unchanged for large businesses in Q2. In Q3, these were expected to be unchanged for businesses of all sizes