Assets and Liabilities of Finance Houses and Other Credit Companies. 2 nd Quarter 2009

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1 Assets and Liabilities of Finance Houses and Other Credit Companies 2 nd Quarter 2009 Coverage: UK Theme: Economy Published: 15 th September 2009

2 A National Statistics publication Copyright and reproduction National Statistics are produced to high professional standards set out in the Code of Practice for Official Statistics. They are produced free from political influence. Crown copyright 2009 Published with the permission of the Office of Public Sector Information (OPSI) About us The Office for National Statistics The Office for National Statistics (ONS) is the executive office of the UK Statistics Authority, a non-ministerial department which reports directly to Parliament. ONS is the UK government s single largest statistical producer. It compiles information about the UK s society and economy, and provides the evidence-base for policy and decision-making, the allocation of resources, and public accountability. The Director-General of ONS reports directly to the National Statistician who is the Authority's Chief Executive and the Head of the Government Statistical Service. The Government Statistical Service The Government Statistical Service (GSS) is a network of professional statisticians and their staff operating both within the Office for National Statistics and across more than 30 other government departments and agencies. You may use this publication (excluding logos) free of charge in any format for research, private study or internal circulation within an organisation providing it is used accurately and not in a misleading context. The material must be acknowledged as Crown copyright and you must give the title of the source publication. Where we have identified any third party copyright material you will need to obtain permission from the copyright holders concerned. For re-use of this material you must apply for a Click-Use Public Sector Information (PSI) Licence from: Office of Public Sector Information, Crown Copyright Licensing and Public Sector Information, Kew, Richmond, Surrey, TW9 4DU Tel: Contacts This publication For information about the content of this publication, contact Stephen Curtis Tel: stephen.curtis@ons.gsi.gov.uk Other customer enquiries ONS Customer Contact Centre Tel: International: +44 (0) Minicom: info@statistics.gsi.gov.uk Fax: Post: Room 1015, Government Buildings, Cardiff Road, Newport, South Wales NP10 8XG Media enquiries Tel: press.office@ons.gsi.gov.uk 2

3 Contents Page Number Definitions and Notes 3 Table 1 Assets of Finance Houses 4 Table 2 Liabilities of Finance Houses 6 Definitions Other Loans and Advances - All credit agreements with companies as well as all agreements entered into before 1 April 1977 and up to the end of 1990 those for more than 15,000 ( 5,000 before 20 May 1985) with individuals (including unincorporated businesses). From the first quarter of 1991 all credit agreements with companies and any agreements with individuals entered into before 1 April Regulated Consumer Credit - Consumer credit agreements regulated under the Consumer Act 1974 and its associated orders and regulations. They comprise non-exempt agreements from 1 April 1977 which involve the provision of credit not exceeding 15,000 ( 5,000 before 20 May 1985). This limit was removed with effect from the first quarter of Financial institutions - These are insurance companies, non-deposit-taking finance houses, building societies, investment trusts, unit trusts, pension funds, finance leasing companies, factoring companies, property unit trusts and miscellaneous financial institutions, including banklike and unit trust-like funds in the Channel Islands and the Isle of Man, gold dealers and special finance agencies such as the Agricultural Mortgage Corporation. Banking sector - All references to the monetary sector describe the position from the beginning of Symbols - Nil or less than 0.5m Notes to tables This monitor is compiled from returns submitted to National Statistics by finance houses in Great Britain. The tables are based on the results of the benchmark inquiry to all consumer credit grantors in The figures include finance houses, check traders, moneylenders and other specialist consumer credit granting companies with head offices in Great Britain. They exclude institutions authorised under the Banking Act 1987 (which form the banking sector), retailers, building societies and insurance companies. From the beginning of 1991, amounts outstanding on loans and advances to consumers include all consumer credit agreements, not just regulated agreements. 3

4 1ASSETS OF FINANCE HOUSES million Holdings Net Acquisitions Q2 Q3 Q4 Q1 Q2 Cash in hand and balances with UK banking sector AGRB AGSB Amounts outstanding on loans and advances (including those to other group companies) on agreements block discounted by retailers and financial institutions AGRI AGSI on finance leases AGRP AGSP on regulated consumer credit agreements 1 VAAM VAAO on other loans and advances to individuals (including unincorporated businesses) VAAL VAAN to UK industrial and commercial companies AGRL AGSL Other current assets Cer tificates of deposit, promissory notes and any other negotiable paper issued by UK banking sector AGRC 7 7 AGSC Other current assets (including items in suspense and debit items in course of collection, and any other short-ter m assets not included under previous headings) AGRD AGSD Real assets in UK for own use land and buildings ) ) other ) AGRZ AGSZ ) for leasing under operating leases, hir ing ) or renting out ) 4

5 1ASSETS OF FINANCE HOUSES continued Holdings Net Acquisitions million Q2 Q3 Q4 Q1 Q2 Company and government securities (including investment in other group companies) AGRN AGSN Other assets AGRO AGSO Total assets AGRA AGSA The series are affected by the reclassification of business between the banking and other specialist lenders sectors. 5

6 2LIABILITIES OF FINANCE HOUSES million Holdings 1 Net acquisitions Borrowing (including deposits by and borrowing from other group companies) Q2 Q3 Q4 Q1 Q2 Promissor y notes, commercial bills and any other negotiable paper issued AGRQ AGSQ Shor t-term borrowing from UK banking sector (excluding deposits) 1 AGRR AGSR Deposits and medium and long-term borrowing from UK banking sector 1 AGRS AGSS Borrowing from other UK financial institutions AGRT AGST Other borrowing UK AGRU AGSU Overseas AGRV AGSV Other current liabilities (including items in suspense and credit items in course of transmission, and any other short ter m liabilities not included under previous headings) AGRW AGSW Issued capital (ordinary and preference shares, debentures and loan stock) AGRX AGSX Reser ves and provisions (including any liabilities not included under previous headings) AGRY AGSY Total liablilities AGRA AGSA The series are affected by the reclassification of business between the banking and other specialist lenders sectors. 6

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