Each year, in conjunction with our supervisory stress tests, we provide an assessment to every participating firm of their risk-management and capital planning processes, indicating where specific improvements are needed. The interactions between supervisors and firms on these matters are extensive, focused, and consequential.
The annual rate of change of loans to non-financial corporations (adjusted for loan sales and securitisation) increased to 0.1% in May, up from –0.1% in April, continuing its gradual recovery from a trough of –3.2% in February 2014. This is consistent with the positive evidence from the bank lending survey for the second quarter of 2015.