Thursday, 2 May 2024

Borders council has already borrowed £46 million in 2024

by OUR LOCAL GOVERNMENT EDITOR

Scottish Borders Council which has warned of a double digit rise for local taxpayers next year borrowed a further £6 million from the Public Works Loans Board (PWLB) last month, adding to the £40 million already acquired in loans since the beginning of 2024.

Figures for April from the UK Treasury's Debt Management Office show the Borders local authority took the additional £6 million on the 23rd of the month with an interest rate payable of 5.4 per cent. The loan has a maturity date in April 2026.

As we reported previously, SBC had racked up £40 million of new debt between January 2024 and the end of the 2023/24 financial year on March 31st. 

These were separate loans from the PWLB of £30 million on January 30th with an interest rate of 5.35% and a maturity date of January 30th 2025, followed by a further advance of £10 million taken on March 27th at 5.39% and with a maturity date of March 27th 2025.

The council confirmed it would pay interest of £1.605 million on the £30 million loan, and a further £539,000 on the money borrowed in March. 

In 2022/23 total annual costs of loan charges linked to 46 PWLB loans together with LOBO loans and PPP financing stood at £16.1 million, equivalent to 7.6% of the overall revenue budget.

The PWLB loans are used to pay for capital expenditure projects.

The revenue expenditure to pay for council services in 2024/25 [including interest charges] required a £10 million raid on balances together with savings of £4.4 million with at least £5 million to be trimmed from spending in 2025/26.

According to a statement issued in February: "Significant financial pressures, including inflationary pressures of £6.7 million leave us in the stark position of having to both increase council tax rates and make permanent service reductions in the future to balance the books.

"Budget plans include an indicative increase of ten per cent (in council tax) for 2025/26 followed by five per cent increases in the three subsequent years. These will however not be formally set until the annual budget is considered each year as normal".

The Debt Management Office has also provided all public authorities in England, Wales and Scotland with audit statements showing the outstanding balances and year end values on their PWLB loans as of March 31st, 2024. It shows SBC owes the PWLB £213.736 million.

This is the data for Scottish Borders Council's 46 loans. The first column shows the year the loan was taken; column two indicates the maturity date; then the outstanding balance in each case; and finally the so-called year-end value or fair value of each transaction.

1993    2053           £507,816           £834,793

1993    2053           £60,839             £98,726

1994    2053           £1,354,176        £2,002,246

1995    2024           £381,114           £402,770

1995    2055           £2,031,264        £3,412,901

1996    2055           £2,031,264        £3,395,661 

1996    2055           £1,692,720        £2,895,476 

1996    2055           £1,692,720        £2,895,476 

1996    2055           £1,692,720        £2,895,476

1996    2055           £1,692,720        £2,895,476

1996    2054           £667,088           £1,134,683

1996    2054           £667,088           £1,134,683

1996    2053           £1,963,556        £3,154,484

1997    2051           £2,288,994        £3,484,444

1997    2057           £1,354,176        £2,072,768

1997    2057           £1,354,176        £2,072,768

1997    2057           £1,354,176        £2,072,768

1997    2057           £1,354,176        £2,072,768

1997    2057           £1,354,176        £2,072,768

1997    2057           £1,354,176        £2,072,768

1997    2027           £1,291,858        £1,450,520

1997    2026           £3,385,441        £4,749,084

1997    2026           £1,608,589        £1,742,327

1997    2057           £1,354,176        £1,889,755

1997    2047           £2,350,104        £3,085,537

1997    2047           £1,354,176        £1,777,947

1998    2052           £1,481,383        £1,930,334

1998    2058           £2,708,353        £3,270,966

1998    2054           £2,031,264        £2,268,670

1999    2057           £1,692,720        £1,905,898

1999    2057           £1,692,720        £1,905,898

2000    2054           £2,031,264        £2,406,181

2000    2054           £1,354,176        £1,570,671

2001    2061           £3,031,233        £3,589,540

2007    2052           £10,000,000      £10,347,132

2007    2052           £24,000,000      £25,638,166

2007    2052           £24,000,000      £25,638,166

2007    2057           £2,000,000        £2,108,566

2016    2026           £4,000,000        £3,790,797

2017    2027           £8,000,000        £7,604,304

2017    2027           £10,000,000      £9,433,494

2018    2048           £10,000,000      £7,728,433

2019    2034           £7,500,000        £6,121,689

2022    2032           £20,000,000      £18,245,852

2024    2025           £30,000,000      £30,493,169

2024    2025           £10,000,000      £10,098,005

NOTE: The £6 million loan was arranged after the end of financial year 2023/24 and is not included in the table above.

            

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