BoE publishes Q2 2026 Credit Conditions Survey
The Bank of England released its Q2 2026 Credit Conditions Survey covering UK lending trends and credit availability.
The survey tracks lender-reported changes in credit demand, supply, pricing, and defaults. Key input for credit risk modelling, IFRS 9 scenarios, and sectoral concentration reviews.
Directly relevant to credit risk teams for calibrating provisions, PD models, and sectoral limits amid changing credit conditions.
Action Required
Recalibrate credit risk appetite, IFRS 9 forward-looking assumptions, and origination strategy using latest sector credit data.
Quarterly credit conditions data is a core input for UK credit risk monitoring and IFRS 9 macroeconomic overlays.
Update credit risk dashboards and IFRS 9 economic assumptions using Q2 2026 CCS; escalate any material divergence in default trends or credit supply to Credit Risk Committee.
“This quarterly survey of banks and building societies is aimed at improving our understanding of trends and developments in credit conditions.”
Published: 2026-07-02