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Does higher productivity create inflationary or disinflationary pressure?
Ludovica Ambrosino, Jenny Chan and Silvana Tenreyro Recent technological advances raise an important question for policymakers: will higher productivity lead to disinflationary or inflationary...
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If AI disappoints? The transmission of US big-tech earnings news
Daniel Ostry, Roger Vicquéry and Emilio Zaratiegui There is growing concern among policymakers, international organisations, and even big-tech Chief Executive Officers (exhibits I, II and III) that...
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Demographics, deposits and data: using machine learning to segment UK mortgages
Joe Grimshaw Who are the UK’s mortgage borrowers, and how do their characteristics differ? Despite extensive literature on mortgage profiles, loan-level segmentation remains limited, existing work...
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Retail investors’ participation in the gilt market
Sarah Munson and Callum Ashworth In recent years, retail investors’ demand for UK government bonds (gilts) has increased, marking a change in the composition of market participants. The growth of...
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Who owns the buildings where Britain shops, works – and stores its data?
Katherine Blood We have developed a new measure tracking UK commercial real estate (CRE) ownership at property level, mapping the latest investor landscape at end-2025 Q3 and its shift since the...
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Regulatory independence and financial stability
Rhiannon Sowerbutts The Bank of England Agenda for Research (BEAR) sets the key areas for new research at the Bank over the coming years. This post is an example of issues considered under the...
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Once upon a time in the future: strategic foresight in central banks
Julia Giese and Jacqueline Koay We live in an era of rapid change, complexity and uncertainty. Over recent years, severe global shocks have been frequent, with profound implications for our economy...
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GIV us some credit: estimating the macroeconomic effects of credit supply shocks
Sam Christie and Aniruddha Rajan Sudden contractions in credit supply can trigger and amplify recessions – a reality made painfully clear by the 2008 global financial crisis (GFC). However,...
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Stable gilts and stable prices: assessing the Bank of England’s response to...
Nicolò Bandera and Jacob Stevens How should the central bank conduct asset purchases to restore market functioning without causing higher inflation? The Bank of England was faced with this question...
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Corporate insolvencies reaching record highs: a look under the hood
Jelle Barkema How concerned should policymakers be as UK business insolvencies have soared to 60-year highs? This phenomenon has been extensively covered in the media; with media outlets attributing...
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Stable gilts and stable prices: assessing the Bank of England’s response to...
Nicolò Bandera and Jacob Stevens How should the central bank conduct asset purchases to restore market functioning without causing higher inflation? The Bank of England was faced with this question...
View ArticleClimate and monetary policy series
Boromeus Wanengkirtyo, Francesca Diluiso, Rebecca Mari, Jenny Chan, Ambrogio Cesa-Bianchi and Alex Haberis. Climate change is becoming increasingly important for monetary policy as the world...
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30+ year mortgages – are these the new norm? What does this mean for...
James Waddell and Meghna Shrestha An increasing number of households in the UK are opting for longer-term mortgages, with the share of borrowers taking out new mortgages with terms 30 years or longer...
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‘No one length fits all’ – haircuts in the repo market
Miruna-Daniela Ivan, Joshua Lillis, Eduardo Maqui and Carlos Cañon Salazar Funding markets are crucial for healthy and active financial institutions, and consequently for everyone in the economy. The...
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The link between mortgage debt servicing burdens and arrears: is there a...
Nuri Khayal and Jonathan Loke Many households in the UK have seen their mortgage payments go up since mortgage rates started to increase in 2022. In the current environment of higher rates, the...
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Three facts about the rising number of UK business exits
Jelle Barkema, Maren Froemel and Sophie Piton Record-high firm exits make headlines, but who are the firms going out of business? This post documents three facts about the rising number of...
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Stressed or in distress? How best to measure corporate vulnerability
Alice Crundwell and William Bennett Accurate measures of the number of firms at risk of failure are becoming increasingly important for policymakers, as corporate insolvencies are continuing to rise...
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Bias, fairness, and other ethical dimensions in artificial intelligence
Kathleen Blake Artificial intelligence (AI) is an increasingly important feature of the financial system with firms expecting the use of AI and machine learning to increase by 3.5 times over the next...
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The transmission of macroprudential policy in the tails
Álvaro Fernández-Gallardo, Simon Lloyd and Ed Manuel Since the 2007–09 Global Financial Crisis, central banks have developed a range of macroprudential policies (‘macropru’) to address fault lines in...
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Lifting the lid on a liquidity crisis
Lydia Henning, Simon Jurkatis, Manesh Powar and Gian Valentini Autumn 2022 saw some of the largest intraday moves in gilt yields in history. It was then that jargon normally confined to financial...
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