The detailed local lending data, which forms part of a joint data reporting exercise with the British Bankers’ Association, Council of Mortgage Lenders and other major UK banks, gives a snapshot of lending balances in 120 postcode areas across Great Britain and over 9,000 postcode sectors at the end of December 2015.
RBS lent a total of over £148.3bn in mortgages, personal loans and business loans to small and medium sized enterprises (SMEs). Mortgages make up the largest element of this total with £112.9bn in lending, followed by SME lending at £30.0bn and then personal lending with £5.4bn.
This joint data reporting exercise is intended to provide greater transparency and help deliver a detailed picture of the borrowing landscape across the country. Our drive for transparency is balanced with ensuring our customers’ confidentiality. Therefore, along with other banks, we have withheld postcode sector data which would risk disclosure of any individual customer’s borrowing.
The files below provide detailed postcode area and postcode sector by each of the lending streams for RBS and NatWest at the end of December 2015. The Excel files also provide an explanation of what the data represents and how to interpret it.