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63-480: 1929 Crédito y Caución, 1954 Gerling-Konzern Speziale Kreditversicherung, Atradius provides trade credit insurance, surety and collections services worldwide through a presence in more than 50 countries around the globe. It is the credit insurance arm of Grupo Catalana Occidente (GCO.MC). Credit insurance, bonding and collections products help protect companies throughout the world from payment risks associated with selling products and services on trade credit. In 2023

126-523: A "Bank of England" with a "fund for perpetual Interest" (not yet bonds or bills) that was passed by Parliament, supported by Charles Montagu, Chancellor of the Exchequer and Michael Godfrey, another leading City merchant. The public were invited to invest subscriptions totalling £1.2 million forming the initial capital stock onward loaned to the Government in return for a Royal Charter. At the same time

189-565: A long period of price stability. Money flow is based on confidence and is therefore vulnerable to panic shocks. A rescue operation, later termed the BoE's Lifeboat, in the form of syndicated guarantees by leading banks to fund for banks in crisis was established by the Governor of the Bank of England with over £17 million promised. The Bank therefore had to fully accept responsibility for the stability of

252-490: A similar policy innovation, the Office of Budget Responsibility was created to be an authority on macro-economic forecasting by and for Government departments. Central Authorities such as Treasury or Government Finance departments and The Central Banks had to assume responsibility for financial stability. The most glaring example of failure being Germany's currency collapse and Hyper-inflation 1921–23. Monetary stability alone

315-525: Is a holding company owned 73.84% by Grupo Catalana Occidente. Grupo CyC holds 64.23% of Atradius N.V. [REDACTED] Grupo Catalana Occidente S.A. (GCO) is, either directly or indirectly, the parent company of a group of insurance companies and it is listed on the Barcelona and Madrid stock exchanges. GCO has an economic stake in Atradius N.V. of 83.20%, of which 35.77% is directly owned and 47.43%

378-579: Is however not enough of a guiding principle. As with the French a century before, the First World War saw the link with gold broken and the issue of low denomination notes returned once again. A vain attempt was made in 1925 to return to the discipline of the gold standard and remains handled by the Bank. The gold and foreign exchange reserves passed to the Treasury in 1931. Also in 1931, UK abandoned

441-807: Is owned indirectly through Grupo CyC holding company. Atradius N.V. is a limited company organised under the laws of the Netherlands with a Management Board and a Supervisory board . The Management board consists of: The supervisory board has nine members and is responsible for monitoring and guiding the general affairs of Atradius and the policy of the Management Board. The supervisory board includes: 52°20′27.54″N 4°49′36.35″E  /  52.3409833°N 4.8267639°E  / 52.3409833; 4.8267639 Export Credit Guarantee Department The Export Credits Guarantee Department ( ECGD ), branded as UK Export Finance ( UKEF ),

504-499: Is required by the HM Government to operate slightly better than break even, by charging premiums from exporters at levels that match the perceived risks and costs in each case. The largest part of ECGD's activities involves underwriting long-term loans to support the sale of capital goods, principally for the export of aircraft, bridges, machinery, and services; it helps UK companies take part in major overseas projects such as

567-498: Is sustainable. ECGD's short term credit business was sold to Dutch insurer NCM Group in 1991, later becoming part of Atradius in 2004. The ECGD has been the subject of criticism by UK-based NGOs; The Corner House has claimed that the ECGD has in effect provided public subsidy for bribery; Campaign Against Arms Trade has argued that the ECGD provides excessive levels of support for arms sales; Jubilee Debt Campaign has argued that

630-575: Is the export credit agency and a ministerial department of the Government of the United Kingdom . In 1920, UKEF had a maximum total exposure of just £26 million. Today, its maximum commitment stands at £50 billion. ECGD derives its powers from the Export and Investment Guarantees Act 1991 (c. 67) and undertakes its activities in accordance with specific consent from HM Treasury . ECGD

693-520: The Foreign, Commonwealth and Development Office , that makes sure that the countries defined as heavily indebted poor countries and those exclusively dependent on International Development Association financing only get official export credits from the UK for projects that help social and economic development without creating a new unsustainable debt burden. ECGD continues to check that the proposed borrowing

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756-734: The Prime Minister . Until 1827, the First Lord of the Treasury, when a commoner, also held the office of Chancellor of the Exchequer , while if the First Lord was a peer, the Second Lord usually served as Chancellor. Since 1827, however, the Chancellor of the Exchequer has always been Second Lord of the Treasury. If important lessons were learnt that the National Debt (and public finances) require prudent management, when

819-727: The Whole of Government Accounts annual financial statements are produced. The origins of the Treasury of England have been traced by some to an individual known as Henry the Treasurer, a servant to King William the Conqueror . This claim is based on an entry in the Domesday Book showing the individual Henry "the treasurer" as a landowner in Winchester, where the royal treasure was stored. The UK Treasury traces its origins to

882-471: The 126 years between 1785 and 1911. The UK's 1844 Bank Act even had to be suspended in 1847, 1857 and in 1866 to prevent The Bank of England's own collapse. By the time of the 2007–08 Global Financial Crisis (GFC) The UK Treasury with Bank of England staff were especially innovative in providing off-budget solutions to bank bale-outs by offering The Asset protection Scheme, whereby banks could sell large percentages of their loan-books, heavily risk- discounted, to

945-449: The 1980s) and a system for fiscal transfers between rich and poor regions (much simplified and abolished in much of its refinements), through high inflation years the 1970s and 1980s (triggered by Middle-East oil wars) led to the rise the national debt (in nominal terms) from about 64% GDP ratio down to £36 billions in 1972 or 49% GDP ratio, then to £197 billion in 1987 or 39% ratio, followed by £419bn or 41% ratio by 1998. Although figures for

1008-602: The 2018–2019 financial year alone, ECGD committed nearly £2 billion in support to fossil fuel projects across the world. A Parliamentary inquiry called on ECGD to stop funding fossil fuel projects by the end of 2021, citing that the scale of fossil fuel support violated the UK's obligations under the Paris Agreement . While in the early years of the decade, the proportion of ECGD's business in support of weapons exports ranged from 30% to 50%, this has now declined to under 1% in 2009–10. ECGD seeks advice on arms sales from

1071-506: The Central Bank in exchange for Treasury Bills, kept on deposit as part of the banks' regulatory capital. They therefore did not have to finding funding gap finance in the now very expensive short term Money Markets. When US Treasury Secretary Henry Paulsen learnt of Alistair Darling 's approach, only then did he realise he had had no need to apply to Congress for TARP or closedown Lehman Brothers ! The Bank's relationship with

1134-520: The Chancellor's and therefore The Treasury's behalf. However, a revival of interest in Chicago and Austrian Schools of Monetarism, calling for depoliticised central base-rate policy settings, and claiming much would have been better had that been available during the high inflation 1970s. The re-evaluation of monetary policy roles began in the 1980s but did not result until 1997 in granting The Central Bank sole responsibility for setting interest rates and at

1197-650: The Commissioners for the Reduction of the National Debt (CRND) were integrated with the DMO. The facility lends to local authorities for capital purposes and the CRND's principal function is to manage the investment portfolios of certain public funds. The PWLB lending facility and CRND continue to carry out their long-standing statutory functions within the DMO. A brief explanation of two terms: "Exchequer" derives from

1260-457: The Duke of Albemarle, Lord Ashley, (Sir) W. Coventry, (Sir) J. Duncomb, and (Sir) T. Clifford. From the middle of the 17th century the need for a national bank became pressing. England and, in particular, London was greatly changing due to fast expansion of The Empire's trade, not least N.America, but also entrepot trade that grew to over one third of trade and with Continental Europe, however, what

1323-621: The Exchequer , or more informally the Treasury , is a ministerial department of the Government of the United Kingdom . It is responsible for developing and executing the government's public finance policy and economic policy . The Treasury maintains the Online System for Central Accounting and Reporting, the replacement for the Combined Online Information System , which itemises departmental spending under thousands of category headings, and from which

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1386-521: The Exchequer was abolished in 1833, HM Treasury became the ministerial department under the Chancellor of the Exchequer. When the Treasury was under commission, junior Lords were each paid £1,600 a year. It is insensible to consider the Treasury's history without the Bank of England, set up in the 17th century. The argument for England's bank grew after the "Glorious Revolution" of 1688 when William of Orange and Queen Mary ascended to England's throne. London-based Scottish entrepreneur, William Paterson proposed

1449-800: The Gold Standard for domestic currency redemption. Domestic note issue was no longer backed by gold. It may be remarked, quite fairly, that in the last half century, monetary systems management, financial planning and regulatory oversight, effectively everything but a political-economy policy direction strategy, has come to be applied comprehensively to financial services, all at a time when industrial policy and strategic oversight to all industries making tradable goods, has been discarded. Government can get involved in industrial strategy and public and some private services in response to strikes, closures, or FDI investment flows. Crises of systemic collapses after excessive confidence inevitably continued through

1512-487: The Government or by commerce – rendered itself liable to its depositors wanting all their money returned at once. The Bank therefore, needed to retain a prudent reserve of gold to ensure liabilities could be met on demand. This can be seen as the beginning of a policy of monetary stability. The 1844 bank Charter Act, After the French Wars, sterling's exchange rate was high so that the trade balance with Continental Europe

1575-1039: The Kingdoms of Great Britain and Ireland had been united by the Acts of Union 1800 , the exchequers of the two kingdoms were not consolidated until 1817 under the Consolidated Fund Act 1816 ( 56 Geo. 3 . c. 98). For the holders of the Irish office before this date, see Chancellor of the Exchequer of Ireland . As of 5 July 2024, the Treasury Ministers are as follows, with cabinet ministers in bold: National Infrastructure Strategy, National Infrastructure Commission; Infrastructure and Projects Authority (IPA, joint with Cabinet Office); Public – Private Partnerships; (PPPs) and Private Finance Initiatives (PFI/PFI2); parliamentary deputy on public spending issues. Parliamentary deputy on economy issues. Some of

1638-653: The Lords of the Treasury and were given a number based on their seniority. In 1720 the South Sea bubble burst and thousands of investors were affected; such was the outrage that the Chancellor of the Exchequer was sent to the Tower of London. Eventually the First Lord of the Treasury came, however, to be seen as the natural head of government, and from Robert Walpole on, the holder of the office became known, unofficially, as

1701-530: The National Debt was born, paper money came into existence. From the start, complementing the Treasury's policy-setting and oversight role, the Bank became the Government's banker; managing the Government's Treasury bank accounts, providing and arranging loans, maintaining cash-flow as required. It is also a commercial bank, dealing in bills and bonds (its own are called Gilts) sold to fund government borrowing, sometimes The Great Trading Franchises such as East India or Royal Africa and South Sea Companies. Involvement

1764-524: The Spanish credit insurer Crédito y Caución , founded in 1929, and subsequently gained an additional foothold in the Spanish speaking world. Atradius forms part of Grupo Catalana Occidente (GCO.MC), one of the leading insurers in Spain and worldwide in credit insurance. The Atradius Group today is the amalgamation of a number of international trade credit insurers and affiliated organisations from around

1827-558: The Stuarts failed to enforce limits on inflation, war, corruption and extravagant tendencies and were forced into debt again. In 1667, King Charles II was responsible for appointing George Downing , the builder of Downing Street , to radically reform the Treasury and the collection of taxes. The Treasury was first put in commission (placed under the control of several people instead of only one) in May or June 1660. The first commissioners were

1890-528: The Treasury are sinecure positions which allow the whips to be paid ministerial salaries. This has led to the Government front bench in the Commons being known as the Treasury Bench. However, since the whips no longer have any effective ministerial roles in the Treasury, they are usually not listed as Treasury ministers. The position of Permanent Secretary to the Treasury is generally regarded as

1953-558: The Treasury changed several times, and continues no less intimate than that between US Treasury and The Federal Reserve. The funds which the Bank deploys, including note sat issue, specie in circulation, securities, Gold and foreign exchange reserves. Nationalisation in 1946, after WWII, made little immediate practical difference to the Bank. It remained the Treasury's partner, adviser, agent and debt manager. During War years and after it, and or they together, determined and administered exchange controls and various borrowing restrictions, often on

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2016-819: The Treasury of the Kingdom of England , founded by 1126, in the reign of King Henry I . The Treasury emerged from the Royal Household . It was where the king kept his treasures, such as in The King's Chamber. The head of the Treasury was called the Lord Treasurer . Starting in Tudor times, the Lord Treasurer became one of the chief officers of state, and competed with the Lord Chancellor for

2079-478: The USA's Marshall Plan and other plans and focus on growing and trading out of debt while also de-colonising and honouring intra-Empire debt such as owed to India. The 1950s and early 1960s saw an increase in authority delegated to departments to spend within predetermined totals. with awareness of the net costs after tax generated and recovered (a practise stopped after 1979) and national industrial planning (abolished in

2142-727: The United Kingdom Export Control Organisation (ECO), part of the Department for Business and Trade . All applications are assessed, on a case-by-case basis, against the consolidated EU and National Arms Export Licensing criteria. The ECO's advice is not always followed by the government, though. In February 2016, the head of the Export Control Organisation, Edward Bell, advised Business Secretary Sajid Javid that Britain should suspend arms sales to Saudi Arabia. This advice

2205-409: The acquisition by NCM of the short-term arm of the UK government’s Export Credit Guarantee Department (ECGD) in 1991 and private insurers such as Namur Assurances du Crédit S.A., Belgium by Gerling Credit in 1994, both of which have their own histories dating back to the birth of trade credit insurance around 1919. The now international group was renamed Atradius in 2004. In 2008 the group merged with

2268-575: The amount of money involved. The stick was cut in two and one half given to the Sheriff as receipt for the money. They were in use until 1834 when a fire destroyed the Palace of Westminster. By 1584, the deficit had been turned into a surplus equivalent to one year's revenue. Monarchs tended to bypass the Exchequer because of its ineffectiveness until it was reformed by Lord Treasurer Winchester and his successor, Lord Burghley, under Elizabeth I. In contrast,

2331-568: The banking system as a whole. This is now generally accepted duty by all central banks, each of whom issue annual Solvency and Financial Condition Reports of their national banking sectors. The threat of World War One pushed Government finance and the banking system into a short and medium term, then a longer run ongoing embarrassment of unprecedented high national debt (measured as a ratio to national income) overseen by both The Treasury and The Bank together. This crisis arguably pre-dates major world wars, and began by when half of world trade by value

2394-726: The cancellation of debts owed to the ECGD should not be counted towards UK Official Development Assistance figures; World Wide Fund for Nature argues that excessive greenhouse gases are emitted from ECGD-supported projects and that this is inconsistent with wider UK environmental policy. In recent years, the ECGD has been heavily criticised for prioritising investment in fossil fuels over renewable energy. A Catholic Agency For Overseas Development report showed that from 2010 to 2017, an estimated 97% of ECGD energy-related support went to fossil fuel development, principally oil and gas exploration and production in upper-middle-income countries. Just 3% went to renewables. The Guardian reported that in

2457-516: The chequered abacus table used from about 1110 for summing income and expenditure. Exchequers were held twice yearly when the Chief Justice, Lord Chancellor, Treasurer and others sat round the chequer board, to audit and agree accounts of each local sheriff who collected taxes and duties and spent money on behalf of the crown. The word "budget" derives from the term "bougette"- a wallet in which either documents or money could be kept. Although

2520-422: The company had revenues of EUR 2.5 billion. The company is rated ‘A (excellent) stable outlook’ by AM Best  and 'A1, outlook stable’ by Moody's. The roots of Atradius can be found in the 2001 acquisition by German insurer Gerling-Konzern Speziale Kreditversicherung (Gerling Credit) of Dutch insurer Nederlandsche Credietverzekering Maatschappij (NCM). The company was then branded as GERLING NCM. Gerling Credit

2583-446: The construction of oil and gas pipelines and the upgrading of hospitals, airports, and power stations. Support can be given for contracts as low as £ 1,000, but some of the projects ECGD backs go well beyond the £1 billion mark. As part of its risk management process, ECGD has to make a judgement on the ability of a country to meet its debt obligations. The department uses a "productive expenditure" test, undertaken in consultation with

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2646-615: The existence of an international network of mutually-trusting Governments' Departments of Finance, Treasuries and or Central Banks that in turn accredit and guarantee commercial banks. During the 18th and early 19th centuries great demands were placed on Treasury and the Bank for funding-gap finance; the National Debt grew from £12 million in 1700 to £850 million by 1815, the year of Napoleon's defeat at Waterloo. However, in creating credit-issuing notes not fully backed by cash (gold) in hand, but were partly supported by credit given to

2709-491: The first move towards nationalisation, the 1844 Bank Charter Act was also the key move towards the monopoly of banknote issue. The crucial clause of the Act was a monetary one; it provided that, beyond the Bank's capital of £14 million, its notes were to be backed by gold or bullion. This, together with a fixed price for standard gold, laid the foundation for the gold standard, which during the 19th century, spread world-wide and created

2772-576: The government whips are also associated in name with the Treasury: the Chief Whip is nominally Parliamentary Secretary to the Treasury and traditionally had an office in 12 Downing Street . Some of the other whips are nominally Lords Commissioners of the Treasury , though they are all members of the House of Commons . Being a whip is a party, rather than a government, position; the appointments to

2835-442: The majority of the medieval period the office of the Treasury was within the Exchequer (responsible for managing the royal revenue in addition to collecting and issuing money). As is often the case, wars are expensive and in 1433 war with France led to a deficit of £30,000 – the equivalent of over £100 billion today. Money that the Treasury received was recorded by using tallies. These were sticks with notches marked on them according to

2898-474: The management of the post-war economy. The long slump of the 1930s Great Recession necessitated the restructuring of the economy, first by Command Economy necessitated by World War, then following World War II when the National Debt stood at £21 billions by 1945, or 219% ratio to GDP, emphasis on peacetime planning to avoid the slump after WWI when agricultural market prices collapsed. With better international financial relations following 1944 Bretton Woods and

2961-402: The meteoric rise of the banking and financial markets, with the emerging stock market revolving around government funds. The ability to raise money by means of creating debt through the issue of bills and bonds heralded the beginning of the National Debt. Improved controls over public spending ensured that creditors were more willing to lend money to the government. By the 1730s an early version of

3024-420: The national debt are rising after inflation they fell as GDP % ratios from a peak of about 250% of GDP at the end of World War II to 1/6 that by century end. The decision in 1997 to transfer monetary policy setting responsibility to the Bank of England, alongside maintaining responsibility for financial system stability while relegating-out operational banking risk management, oversight and rule-enforcement, to

3087-549: The new Financial Services Authority while the Treasury retained control of fiscal policy led to the creation of the United Kingdom Debt Management Office (DMO) as an executive agency of the Treasury. Since April 1998, gilts have been issued by the DMO. Other than gilts (and Treasury bills, see below) the National Debt also includes the liabilities of National Savings & Investments and other public sector debt and foreign currency. In 2010, in

3150-449: The nineteenth, twentieth and into the twenty-first centuries, some 2 years apart, sometimes ten. Apart from cycle downturns or recessions that linked the US and UK economies especially up until WWI because large amounts of capital flowed annually from USA to London after each Autumn Harvest and flowed back again in time for Spring planting. There were recessions, often called panics, in 60 out of

3213-522: The principal place. Thomas Cromwell transformed the financial administration of the country, restoring authority to the Exchequer and making the King's Chamber, of central importance under Henry VII, back into a small spending department overseeing the Royal Household. The fact that Cromwell had a key post in the old Chamber system as well as being Chancellor of the Exchequer shows how he did this. For

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3276-521: The public spending survey and the annual Budget had been established. In its evolution the Treasury had to learn some valuable lessons. In 1711, the Treasury established a scheme whereby it secured government debt by the authorisation of its subscription into the capital of the South Sea Company, with government creditors in return holding stock in the company. After 1714, the Treasury was always in commission. The commissioners were referred to as

3339-611: The same time no longer be responsible for Government debt management, or, as it turned out, the National Gold Reserve. In 1997 the Government transferred for monetary policy claiming this meant The Bank of England was now a truly fully independent central bank. The Debt Management Office United Kingdom was created in April 1998 as an executive agency of HM Treasury to take over responsibility for debt management. In April 2000, responsibilities for Exchequer cash management

3402-842: The second most influential in the British Civil Service ; two recent incumbents have gone on to be Cabinet Secretary , the only post outranking it. From October 2022, the Permanent Secretary to the Treasury is James Bowler and there are two Second Permanent Secretaries: Cat Little and Beth Russell . The previous Permanent Secretary, Sir Tom Scholar , was sacked by Chancellor Kwasi Kwarteng and Prime Minister Liz Truss shortly after they took office. The Treasury publishes cross-government guidance including Managing Public Money and The Green Book: Central Government Guidance on appraisal and evaluation , current version dated 2020. Managing Public Money includes

3465-468: The world. Although now Spanish owned, the holding company Atradius N.V. and its headquarters remain in Amsterdam, the Netherlands. Atradius products and services help manage the payment default risks - the risk that a buyer fails to pay for the products or services it buys on trade credit terms. These products include: [REDACTED] Grupo Compañía Española de Crédito y Caución, S.L. (Grupo CyC)

3528-624: Was a long series of deficits, for which in addition to the offsets of the Empire's entrepot trade, Gold was needed, such as from Canada, Australia, USA, and South Africa, culminating too in the Boer War . Prudence and discretion alone almost always proved insufficient. The Treasury and The Bank faced many crises regarding gold reserve needed for domestic, British Empire, and foreign trade and policy purposes, not all good, practical or merely pragmatic, some undoubtedly nefarious? Considered by some as

3591-618: Was established in 1919 to promote UK exports, lost during the submarine blockade of World War I. In recent years we have supported business in the aerospace, automotive, construction, healthcare, industrial processing, oil and gas, petrochemical, water treatment, and satellite sectors. ECGD's aim is to benefit the UK economy by helping exporters of UK goods and services to win business, and UK firms to invest overseas by providing guarantees, insurance and reinsurance against loss, taking into account HM Government's wider international policy agenda. ECGD

3654-847: Was established in 1954 as the credit insurance arm of the Gerling-Konzern insurance group of Cologne. In 1962 it opened its first international branch office in Switzerland and was the first private credit insurer to offer export credit protection. NCM had been founded in 1925 with the goal of improving trade for companies in the Netherlands. From 1932 onwards it also became the arm of the Dutch government through which it provided export credit services to Dutch companies. Atradius still performs this function through its affiliate Atradius Dutch State Business. Both Gerling Credit and NCM had made their own acquisitions before their combination, including

3717-586: Was financed by British banks and when as a consequence the circulation of international payments became less liquid i.e. dried up. In response to this crisis, John Maynard Keynes (renowned economist), persuaded Chancellor Lloyd George to use the Bank of England's gold reserves to support banks. This ended the immediate crisis. Keynes stayed on as adviser to the Treasury until 1919. The war of 1914–18 saw National Debt rise from £650 million to £7,500 million by 1919. The Treasury developed new expertise in foreign exchange, currency, credit and price control skills in

3780-883: Was indirect as well as direct, personal as well as institutional, in slavery and other heinous trades. The Bank's main roles were, however, more equivalent to that of overdraft finance or factoring, with responsibilities for external account or trade finance. Like all banks, assets and liabilities must always balance. The Bank and took the Government's Treasury deposits, including specie and precious metals, and issued notes. With paper money and debt securities and credit notes, it became widely better understood, especially internationally, that money had taken on many new forms or denominations, possess no intrinsic market value like Gold and yet still retain qualities of creditworthiness or trust to fulfil money payment obligations. But money in its various forms also meant money that can only be used in certain contexts or place and or types of business, requiring

3843-464: Was needed was a "fund of money," or a term familiar today, but by which is really meant either precious metals or 'hard' currency such as US dollars mainly that grew in importance after WW1 to pay external trade bills i.e. questions of financial liquidity or circulation needed to maintain and grow the nation's national income and trade, but above all to honour the nation's foreign obligations. Failures to do so can lead to casus belli . The early 1700s saw

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3906-923: Was not followed by the business secretary and prime minister. ECGD aims to: It does this through the public information it provides and the declarations in its application forms; it has some powers to make inquiries but these are limited. CGD does not have a formal investigative capacity. Key aspects of ECGD's anti-bribery and corruption procedures are to: HM Treasury King Charles III [REDACTED] William, Prince of Wales [REDACTED] Charles III ( King-in-Council ) [REDACTED] Starmer ministry ( L ) Keir Starmer ( L ) Angela Rayner ( L ) ( King-in-Parliament ) [REDACTED] Charles III [REDACTED] [REDACTED] [REDACTED] The Lord Reed The Lord Hodge Andrew Bailey Monetary Policy Committee His Majesty's Treasury ( HM Treasury ), occasionally referred to as

3969-556: Was transferred to the DMO and represented the conclusion of the Government's restructuring of the management of monetary and debt policy launched by the Exchequer in May 1997. The DMO assumed responsibility for issuing Treasury bills (very short–dated securities) from this date. In July 2002 the operations of the Public Works Loan Board – now referred to as the PWLB lending facility and operated on behalf of HM Treasury; and

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