MLA-A4 Analysis of second charge loans to customers
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1 SUP 16 Annex 19AA R A4 MLA-A4 Analysis of second charge loans to customers 1 Second (or subsequent) charge A B C D E F G Unsecuritised balances Securitised balances Gross balances Provisions Net balances Gross balances Provisions Non recourse Net balances finance Page 1 of 6
2 D1 MLA-D1 Second Charge Lending - Business flows & rates Loans: Advances/ Repayments A B C D E F G H I Of which: Overdrafts: Advances made Repayment of Write offs in Balance at end Overdrafts Aggregate of in quarter principal quarter of quarter credit limits Balance at end of previous quarter Other debits/ (credits) and transfers (net) Loans excluding overdrafts 1 Second (or subsequent) charge Loans: Book movements 2 Second (or subsequent) charge Transactions in quarter included in 1E Loans acquired Loans sold Loans securitised Other Total Balance at end of quarter on loan assets subject to non-recourse funding A B C D E F G H I J Loans: Interest rates Balances at end of quarter Interest rates at end of quarter (to 2 decimal places) TOTAL Of which at: Of which at: Weighted average nominal annual rate on: Fixed rates Variable rates Less than 2% above BBR 2 < 3% above BBR 3 < 4% above BBR 4% or more above BBR All balances Balances at fixed rates Balances at variable rates ( 000's) ( 000's) ( 000's) ( 000's) ( 000's) ( 000's) ( 000's) % % % Second (or subsequent) charge 3 Total book 4 Advances in quarter A B C D E F Loans: commitments Commitments outstanding at end of previous quarter Commitments made since end of previous quarter Cancellations in quarter Advances made in quarter Other debits/ (credits) and transfers (net) Commitments outstanding at end of quarter Second (or subsequent) charge 5 New loan 6 Remortgage 7 Total Page 2 of 6
3 E1 MLA-E1 Second Charge Lending - Loans to Individuals A B C D Income Multiple & LTV SINGLE income multiple Gross advances in quarter : (amount) by LTV < = 75 % Over 75 < = 90 % Over 90 < = 95 % Over 95 % Second (or subsequent) charge mortgages 1 Less than < < < or over 6 Other 7 TOTAL 8 of which: Not evidenced JOINT income multiple A B C D Second (or subsequent) charge mortgages 9 Less than < < < or over 14 Other 15 TOTAL second (or subsequent) charge 16 of which: Not evidenced A B C D Nature of loan and purpose Gross advances in quarter Balances outstanding Second or subsequent charge mortgage Number Amount Number Amount By credit history 17 Impaired credit history 18 Other 19 TOTAL second (or subsequent) charge By payment type 20 Repayment (capital & interest) 21 Interest only 22 Combined 23 Other 24 TOTAL second (or subsequent) charge By drawing facility Page 3 of 6
4 E1 Loans with extra drawing facility : 25 (a) Loans including unused facility 26 (b) Unused facility 27 (c) Net loans (a - b) 28 Loans with no extra drawing facility 29 TOTAL second (or subsequent) charge By purpose House Purchase: 30 Home improvement 31 Debt consolidation 32 Home improvement and debt consolidation 33 Other 34 TOTAL second (or subsequent) charge Page 4 of 6
5 F1 MLA-F1 Second Charge Lending - Arrears analysis A B C D E F G Arrears categorisation by type of loan Cases entering higher (ie more serious) arrears band in quarter Position on all arrears cases at end of quarter Performance of current arrears cases during the quarter Number Amount of arrears Balance outstanding Number Amount of arrears Balance outstanding Second (or subsequent) charge % < 2.5 % < 5 % < 7.5 % < 10 % 5 10% or more 6 In possession 7 TOTAL A B C D E F G H Arrears management Those cases no longer reported (ie not included in 1-7) Arrears cases reported in F1a 8 Second (or subsequent) charge Possession sales during quarter Capitalisation of arrears cases in quarter Number of cases for which there is in place: Number Balance outstanding Number Amount of arrears Balance outstanding A temporary A formal No concession concession arrangement arrangement Page 5 of 6
6 H1 MLA-H1 Second Charge Mortgaqge Administration - Arrears analysis ( 000s) A B C D E F G Arrears categorisation by type of loan Cases entering higher (ie more serious) arrears band in quarter Position on all arrears cases at end of quarter Second (or subsequent) charge mortgages Number Amount of arrears Balance outstanding Number Amount of arrears Balance outstanding Performance of current arrears cases during the quarter % < 2.5 % < 5 % < 7.5 % < 10 % 5 10% or more 6 In possession 7 TOTAL A B C D E F G H Arrears management Those cases no longer reported (ie not included in 1 to 7) Arrears cases reported in 1 to 7 Possession sales during quarter Capitalisation of arrears cases in quarter Number of cases for which there is in place: 8 Second (or subsequent) charge Number Balance outstanding Number Amount of arrears Balance outstanding A temporary A formal No concession concession arrangement arrangement Page 6 of 6
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