Supplementary memorandum from HM Treasury
The TSC asked what percentage of UK lending
in terms of businesses and household are covered by the banks
supported by the recapitalisation scheme.
The Bank of England publishes statistics relating
to sterling lending to UK businesses and households, available
Comparing this information with information
in the banks' annual reports, HBOS, Lloyds TSB and RBS account
for around 40% of lending to businesses in 2007 and 2008.
The Council for Mortgage Lenders (CML) collects
data on the largest UK mortgage lenders, and estimated market
share. In 2007, HBOS, Lloyds TSB and RBS were among the 10 lenders
with highest market share of the UK mortgage market (table reproduced
below), with a combined market share of 34.4%.
GROSS MORTGAGE LENDING, IN YEAR
| Rank 2007||Name of group
|| £bn||Estimated market share
|7||The Royal Bank of Scotland
|8||Bradford & Bingley
|9||Alliance & Leicester
|February 2009 ||