2015年-FCA英国金融行为监管局_mlar_statistics_mar_2015_detailed_57页_301kb

MLAR Statistics: March 2015 Edition Summary

Core Content Overview

The document provides detailed statistics on residential loans to individuals in the UK, focusing on balances on and off balance sheet, business flows, interest rate analysis, income multiple and LTV (Loan-to-Value), and arrears. The data is categorized into regulated and non-regulated sectors and is not seasonally adjusted.

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Main Tables and Descriptions

1.11 Residential Loans to Individuals: Balances on & Off Balance Sheet

• Regulated Loans:

  • Unsecuritised: Increased steadily from £886,171 million in Q3 2013 to £931,286 million in Q4 2014.
  • Securitised: Decreased from £80,282 million in Q3 2013 to £64,943 million in Q4 2014.
  • Total (Regulated): Ranged from £966,453 million in Q3 2013 to £996,229 million in Q4 2014.

• Non-Regulated Loans:

  • Unsecuritised: Increased from £236,522 million in Q3 2013 to £237,212 million in Q4 2014.
  • Securitised: Decreased from £30,830 million in Q3 2013 to £26,141 million in Q4 2014.
  • Total (Non-Regulated): Ranged from £267,352 million in Q3 2013 to £263,352 million in Q4 2014.

• Total (All Loans):

  • Unsecuritised: Increased from £1,122,693 million in Q3 2013 to £1,168,498 million in Q4 2014.
  • Securitised: Decreased from £111,112 million in Q3 2013 to £91,083 million in Q4 2014.
  • Total: Ranged from £1,233,805 million in Q3 2013 to £1,259,581 million in Q4 2014.

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1.21 Residential Loans to Individuals: Business Flows

• Regulated Loans:

  • Gross Advances: Increased from £42,999 million in Q3 2013 to £47,041 million in Q4 2014.
  • Net Advances: Increased from £8,065 million in Q3 2013 to £10,259 million in Q4 2014.
  • New Commitments: Fluctuated, with a peak of £45,175 million in Q2 2014 and a decline to £38,006 million in Q4 2014.

• Non-Regulated Loans:

  • Gross Advances: Increased from £6,540 million in Q3 2013 to £8,841 million in Q4 2014.
  • Net Advances: Increased from £-830 million in Q3 2013 to £788 million in Q4 2014.
  • New Commitments: Increased from £7,142 million in Q3 2013 to £8,273 million in Q4 2014.

• All Loans:

  • Gross Advances: Increased from £49,539 million in Q3 2013 to £51,346 million in Q4 2014.
  • Net Advances: Increased from £7,235 million in Q3 2013 to £8,071 million in Q4 2014.
  • New Commitments: Increased from £50,491 million in Q3 2013 to £46,279 million in Q4 2014.

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Key Insights

Interest Rate Analysis

• Regulated Loans:

  • Fixed Rate Loans: Increased from 3.32% in Q3 2013 to 3.43% in Q4 2014.
  • Variable Rate Loans: Decreased from 2.84% in Q3 2013 to 2.79% in Q4 2014.
  • Overall Average Rates: Increased from 3.22% in Q3 2013 to 3.23% in Q4 2014.

• Non-Regulated Loans:

  • Fixed Rate Loans: Increased from 4.05% in Q3 2013 to 4.01% in Q4 2014.
  • Variable Rate Loans: Decreased from 3.93% in Q3 2013 to 3.75% in Q4 2014.
  • Overall Average Rates: Increased from 4.01% in Q3 2013 to 3.78% in Q4 2014.

• All Loans:

  • Fixed Rate Loans: Increased from 3.40% in Q3 2013 to 3.54% in Q4 2014.
  • Variable Rate Loans: Decreased from 3.07% in Q3 2013 to 3.10% in Q4 2014.
  • Overall Average Rates: Increased from 3.32% in Q3 2013 to 3.28% in Q4 2014.

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Income Multiple and LTV (Loan-to-Value)

• Regulated Loans:

  • Income Multiple (Single): The majority of loans were on income multiples between 2.50 and 4.00, with a notable increase in the proportion of loans with income multiples of 4.00 or over.
  • LTV (Single): Loans with LTV <= 75% were the most common, followed by LTV over 75% <= 90%. A small portion of loans had LTV over 95%.

• Non-Regulated Loans:

  • Income Multiple (Single): The majority of loans were on income multiples less than 2.50, with a significant portion of "Other" categories.
  • LTV (Single): Loans with LTV <= 75% were the most common, followed by LTV over 75% <= 90%. A small portion of loans had LTV over 95%.

• All Loans:

  • Income Multiple (Single): The majority of loans were on income multiples between 2.50 and 4.00.
  • LTV (Single): Loans with LTV <= 75% were the most common, followed by LTV over 75% <= 90%. A small portion of loans had LTV over 95%.

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Arrears

• Regulated Loans:

  • Unsecuritised: Arrears data is available for Q4 2014 and Q3 2015, showing a consistent decline.
  • Securitised: Arrears data is available for Q4 2014 and Q3 2015, with similar trends.

• Non-Regulated Loans:

  • Unsecuritised: Arrears data is available for Q4 2014 and Q3 2015, showing a consistent decline.
  • Securitised: Arrears data is available for Q4 2014 and Q3 2015, with similar trends.

• All Loans (Unsecuritised and Securitised): Arrears data shows a consistent decline across the quarter, with a notable decrease in Q4 2014.

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Conclusion

The document highlights the growth in residential loans to individuals in Q4 2014, with regulated and non-regulated sectors both contributing to the increase. Interest rates for regulated loans increased slightly, while non-regulated loans saw a more pronounced increase. Income multiples and LTV show a trend where a significant portion of loans fall within the 2.50–4.00 range for income multiples and LTV <= 75% for loan-to-value. Arrears generally declined across all categories, indicating a reduction in default risk. The data is sourced from the Bank of England and FCA, and the statistics are not seasonally adjusted.