The loan-to-deposit ratio of Virgin Money Group was slightly lower in 2023 than in the previous year. Throughout the period considered here, the largest loan-to-deposit ratio of the Virgin Money Group on the British financial market was recorded in 2018 at *** percent. The loan-to-deposit ratio, used to evaluate a bank's liquidity by comparing a bank's total loans to its total deposits. A ratio exceeding 100 percent indicates that the bank's loan book is greater than its deposit.

This statistic presents the Shawbrook Bank's loan to deposits ratio on the British market between 2012 and 2016. The bank's loan to deposits ratio increased from ** percent in 2012 to ***** percent as of 2016.

Indonesia Commercial Banks: Loans to Deposit Ratio data was reported at 94.978 % in Jun 2019. This records a decrease from the previous number of 96.186 % for May 2019. Indonesia Commercial Banks: Loans to Deposit Ratio data is updated monthly, averaging 78.425 % from Jan 2003 (Median) to Jun 2019, with 198 observations. The data reached an all-time high of 96.186 % in May 2019 and a record low of 37.790 % in Jan 2003. Indonesia Commercial Banks: Loans to Deposit Ratio data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Global Database’s Indonesia – Table ID.KBA017: Bank Performance: Commercial Bank.

Founded in 2018, Tandem Bank was the outcome to the acquisition of Harrods Bank by Tandem Money and is one of a growing number of App-based banks coming out of the United Kingdom (UK). As of 2021. the common equity tier * (CET1) ratio of Tandem Bank was ** percent. The loan to deposit ratio stood at **** percent, and the cost of risk stood at **** percent.

Nigeria Commercial Banks: Loan to Deposit Ratio: Prescribed data was reported at 80.000 % in 2017. This stayed constant from the previous number of 80.000 % for 2016. Nigeria Commercial Banks: Loan to Deposit Ratio: Prescribed data is updated yearly, averaging 80.000 % from Dec 2007 (Median) to 2017, with 11 observations. The data reached an all-time high of 80.000 % in 2017 and a record low of 80.000 % in 2017. Nigeria Commercial Banks: Loan to Deposit Ratio: Prescribed data remains active status in CEIC and is reported by Central Bank of Nigeria. The data is categorized under Global Database’s Nigeria – Table NG.KB009: Banking Indicators: Commercial Banks.

Financial-Leverage-Ratio Time Series for AIB Group PLC. AIB Group plc provides banking and financial products and services to retail, business, and corporate customers in the Republic of Ireland, the United Kingdom, and internationally. It operates through Retail Banking, AIB Capital Markets, Climate Capital, AIB UK, and Group segments. The company offers current and savings accounts, demand deposits, notice deposits, fixed term deposits, junior/student saver deposits, and currency deposits. It also provides personal, car, home improvement, education, business, and farm development loans; merger and acquisition, management buyouts, syndicated debt facilities, infrastructure and project, mezzanine, asset, invoice, trade, revolving credit, corporate credit, prompt pay and insurance premium, structured and specialist, and ibanking financing services; business and farmer credit line and overdrafts; and mortgages. In addition, the company offers credit and debit cards; investment funds; life, home, car, travel, and business succession insurance products; and pension products. Further, it provides foreign currency and interest rate risk management, cash management, equity investments, private banking services and advice, lending, treasury, trade facilities, asset finance, and invoice discounting services, as well as wealth management capital markets services. The company was formerly known as Allied Irish Banks, p.l.c. and changed its name to AIB Group plc in December 2017. AIB Group plc was founded in 1825 and is headquartered in Dublin, Ireland.

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Home Equity Lending Market Size 2025-2029

The home equity lending market size is forecast to increase by USD 48.16 billion, at a CAGR of 4.7% between 2024 and 2029.

The market is experiencing significant growth, fueled primarily by the massive increase in home prices and the resulting rise in residential properties with substantial equity. This trend presents a lucrative opportunity for lenders, as homeowners with substantial equity can borrow against their homes to fund various expenses, from home improvements to debt consolidation. However, this market also faces challenges. Lengthy procedures and complex regulatory requirements can hinder the growth of home equity lending, making it essential for lenders to streamline their processes and ensure compliance with evolving regulations.
Additionally, economic uncertainty and potential interest rate fluctuations may impact borrower demand, requiring lenders to adapt their strategies to remain competitive. To capitalize on market opportunities and navigate challenges effectively, lenders must focus on enhancing the borrower experience, leveraging technology to streamline processes, and maintaining a strong regulatory compliance framework.

What will be the Size of the Home Equity Lending Market during the forecast period?

Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
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The market continues to evolve, shaped by various economic and market dynamics. Fair lending practices remain a crucial aspect, with entities ensuring borrowers' creditworthiness through rigorous risk assessments. Economic conditions, employment history, and credit score are integral components of this evaluation. Mortgage insurance (PMIs) and mortgage-backed securities (MBS) are employed to mitigate risk in the event of default. Verification of income, property value, and consumer protection are also essential elements in the home equity lending process. Housing prices, Homeowners Insurance, and property value are assessed to determine the loan-to-value ratio (LTV) and interest rate risk. Prepayment penalties, closing costs, and loan term are factors that influence borrowers' financial planning and decision-making.

The regulatory environment plays a significant role in shaping market activities. Consumer confidence, financial literacy, and foreclosure prevention initiatives are key areas of focus. real estate market volatility and mortgage rates impact the demand for home equity loans, with cash-out refinancing and debt consolidation being popular applications. Amortization schedules, mortgage broker involvement, and escrow accounts are essential components of the loan origination process. Market volatility and housing market trends continue to unfold, requiring ongoing risk assessment and adaptation.

How is this Home Equity Lending Industry segmented?

The home equity lending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD million' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Source

  Mortgage and credit union
  Commercial banks
  Others


Distribution Channel

  Offline
  Online


Purpose

  Home Improvement
  Debt Consolidation
  Investment


Loan Type

  Fixed-Rate
  Variable-Rate


Geography

  North America

    US
    Mexico


  Europe

    France
    Germany
    Italy
    UK


  Middle East and Africa

    UAE


  APAC

    Australia
    China
    India
    Japan
    South Korea


  South America

    Brazil


  Rest of World (ROW)

By Source Insights

The mortgage and credit union segment is estimated to witness significant growth during the forecast period.

In the realm of home equity lending, mortgage and credit unions emerge as trusted partners for consumers. These financial institutions offer various services beyond home loans, including deposit management, checking and savings accounts, and credit and debit cards. By choosing a mortgage or credit union for home equity lending, consumers gain access to human advisors who can guide them through the intricacies of finance. Mortgage and credit unions provide competitive rates on home equity loans, making them an attractive option. Consumer protection is a priority, with fair lending practices and rigorous risk assessment ensuring creditworthiness. Economic conditions, employment history, and credit score are all taken into account during the loan origination process.

Home equity loans can be used for various purposes, such as home improvement projects, debt consolidation, or cash-out refinancing. Consumer confidence plays a role in loan origination, with interest rates influenced by market volatility and economic conditions. Fixed-rate and adjustable-rate loans are available, each with its advantag

Key performance indicators from Lloyds Banking Group's 2025 Q3 results, including net income, operating costs, asset quality ratio, statutory profit after tax, loan/deposit growth and RoTE.

Nigeria Commercial Banks: Loan to Deposit Ratio: Actual data was reported at 72.800 % in 2017. This records a decrease from the previous number of 79.950 % for 2016. Nigeria Commercial Banks: Loan to Deposit Ratio: Actual data is updated yearly, averaging 70.050 % from Dec 1960 (Median) to 2017, with 58 observations. The data reached an all-time high of 106.400 % in 1964 and a record low of 37.965 % in 2013. Nigeria Commercial Banks: Loan to Deposit Ratio: Actual data remains active status in CEIC and is reported by Central Bank of Nigeria. The data is categorized under Global Database’s Nigeria – Table NG.KB009: Banking Indicators: Commercial Banks.

As of 2024, the profit before tax of the the United Kingdom (UK) headquartered bank HSBC Holdings increased considerably compared to the previous year. In terms of assets, HSBC was in 2023 the largest bank in Europe. Also in terms of revenue, HSBC was one of the largest European banks.

Indonesia Commercial Banks: Loans to Deposit Ratio: Total Credit to 3rd Party data was reported at 5,255,085.321 IDR bn in Jun 2019. This records an increase from the previous number of 5,208,139.348 IDR bn for May 2019. Indonesia Commercial Banks: Loans to Deposit Ratio: Total Credit to 3rd Party data is updated monthly, averaging 1,768,057.000 IDR bn from Jan 2003 (Median) to Jun 2019, with 198 observations. The data reached an all-time high of 5,255,085.321 IDR bn in Jun 2019 and a record low of 363,498.000 IDR bn in Jan 2003. Indonesia Commercial Banks: Loans to Deposit Ratio: Total Credit to 3rd Party data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Global Database’s Indonesia – Table ID.KBA017: Bank Performance: Commercial Bank.

In June 2024, the European Central Bank (ECB) began reducing its fixed interest rate for the first time since 2016, implementing a series of cuts. The rate decreased from 4.5 percent to 3.15 percent by year-end: a 0.25 percentage point cut in June, followed by additional reductions in September, October, and December. The central bank implemented other cuts in the first half of 2025, setting the rate at 2.15 percent in June 2025. This marked a significant shift from the previous rate hike cycle, which began in July 2022 when the ECB raised rates to 0.5 percent and subsequently increased them almost monthly, reaching 4.5 percent by December 2023 - the highest level since the 2007-2008 global financial crisis. How does this ensure liquidity? Banks typically hold only a fraction of their capital in cash, measured by metrics like the Tier 1 capital ratio. Since this ratio is low, banks prefer to allocate most of their capital to revenue-generating loans. When their cash reserves fall too low, banks borrow from the ECB to cover short-term liquidity needs. On the other hand, commercial banks can also deposit excess funds with the ECB at a lower interest rate. Reasons for fluctuations
The ECB’s primary mandate is to maintain price stability. The Euro area inflation rate is, in theory, the key indicator guiding the ECB's actions. When the fixed interest rate is lower, commercial banks are more likely to borrow from the ECB, increasing the money supply and, in turn, driving inflation higher. When inflation rises, the ECB increases the fixed interest rate, which slows borrowing and helps to reduce inflation.

Qatar Liquidity Ratio: Total Loans to Customer Deposits data was reported at 112.400 % in 2015. This records an increase from the previous number of 105.900 % for 2014. Qatar Liquidity Ratio: Total Loans to Customer Deposits data is updated yearly, averaging 96.100 % from Dec 1999 (Median) to 2015, with 17 observations. The data reached an all-time high of 114.200 % in 2008 and a record low of 79.100 % in 2002. Qatar Liquidity Ratio: Total Loans to Customer Deposits data remains active status in CEIC and is reported by Qatar Central Bank. The data is categorized under Global Database’s Qatar – Table QA.KB013: Performance Indicators: Banking System.

Nepal Commercial Banks: Loans & Advances: Percentage to Total Deposits data was reported at 102.100 % in Jan 2018. This records a decrease from the previous number of 102.700 % for Dec 2017. Nepal Commercial Banks: Loans & Advances: Percentage to Total Deposits data is updated monthly, averaging 86.100 % from Jan 2001 (Median) to Jan 2018, with 205 observations. The data reached an all-time high of 106.100 % in Feb 2017 and a record low of 74.800 % in Jul 2001. Nepal Commercial Banks: Loans & Advances: Percentage to Total Deposits data remains active status in CEIC and is reported by Nepal Rastra Bank. The data is categorized under Global Database’s Nepal – Table NP.KA006: Commercial Banks: Deposits and Liquid Assets.