Jurisdiction(s):
United Kingdom

Key definition

Loans definition

What does Loans mean? Loans are agreements to advance money on terms of repayment, usually with interest. In pensions practice, this covers any arrangement where occupational pension scheme assets are lent. In Great Britain, legislation defines “employer-related investments” and strictly restricts them: section 40 of the Pensions Act 1995 (mirrored in Northern Ireland legislation) and the Occupational Pension Schemes (Investment) Regulations 2005 prohibit loans to the sponsoring employer or to persons connected with, or associated with, the employer, and ban giving guarantees or security for the employer’s obligations. Other employer-related investments (such as employer shares or securities) are subject to a...

Switzerland: Cross-border finance—lending, security, enforcement, intercreditor arrangements, and governing law/jurisdiction considerations

Published by a LexisNexis Banking & Finance expert

Practice notes

Loan market and developments

Swiss National Bank figures for September 2024 indicate that banks licensed in Switzerland extended credit facilities of CHF1.384m (utilised) and CHF1.752m (committed) to borrowers incorporated or resident in Switzerland, of which CHF1.196m were utilised mortgage Loans. Commercial Lending has risen gradually yet consistently in recent years, a pattern expected to endure, notably for individuals and small to Mid-cap corporate borrowers. Switzerland’s market for syndicated loans has grown substantially over the last two decades; during the pre-2008 peak, commitment levels in the high three-digit millions were not unusual. The financial crisis, the more stringent Basel III capital Requirements and the strong Swiss franc curbed Swiss banks’ appetite for very large exposures. Lately, Swiss-based syndicates have faced mounting competition from foreign arrangers of syndicated loans and managers of high-yield bond issues, particularly for major Swiss corporates and issuers, alongside private funds providing unitranche financings...

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Web page updated on 22/05/2026

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