Bank of England
BOENews
Capital buffer kept at 2 percent as AI debt and sovereign yields rise
The Bank of England Financial Policy Committee maintained the UK countercyclical capital buffer rate at 2 percent at its September 25 meeting.
Focus
BOEDecoder
Bailey urges model testing before rushing to AI rules
Bank of England Governor Andrew Bailey warned that frontier artificial intelligence poses growing risks to financial stability.
BOESpeech
Taylor sees Bank Rate stance sufficient despite energy shock
Bank of England policymaker Alan Taylor stated that monetary policy is sufficiently restrictive to contain inflation without further rate increases, despite recent energy price volatility.
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BOEDecoder
Fintech partnerships lift SME loan volumes by 5.4 percent
Bank of England researchers found that fintech partnerships among the five largest UK banks increased SME loan volumes by 5.4 percent and lowered spreads by 21.1 percent between 2018 and 2024.
BOESpeech
Ramsden sets multi-year QT path to unwind gilt stock by 2034
Bank of England Deputy Governor Dave Ramsden detailed the framework to fully unwind the Asset Purchase Facility by 2034.
BOEPaper
Discretionary inflation rules lower welfare losses by 9.4 percent
Targeting discretionary inflation rather than headline consumer price indices reduces monetary policy welfare losses by 9.4 percent, according to a Bank of England study.
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BOEDecoder
Challenger banks claim 60 percent of gross UK SME lending
UK corporate debt reached £1.5 trillion in early 2026 as non-bank debt surpassed half of total corporate borrowing, according to Bank of England analysis.
BOESpeech
Lombardelli warns persistent energy costs may force rate increases
Bank of England Deputy Governor Clare Lombardelli stated that monetary policy is increasingly likely to need to tighten if elevated energy prices persist.
BOEDecoder
London gold vault stores 400,000 bars for central bank reserves
The Bank of England has detailed its wholesale banking and custody operations for foreign central banks, which include managing sterling CHAPS accounts and safeguarding 400,000 gold bars.
BOESpeech
Smith sets out resolution rules review for smaller UK lenders
The Bank of England is reviewing resolution thresholds for small and mid-tier lenders and expects to publish an updated framework in early 2027.
BOENews
Payment system supervisory fees set to rise under £1.7 million cap
Supervisory fees for UK payment systems and specified service providers are set to increase under new proposals published for the 2026/27 fee year.
BOEDecoder
Financing mismatches constrain high-growth firms, FPC review shows
Structural frictions in capital allocation are the primary barrier to funding UK high-growth businesses, according to a new Bank of England research series.