Staff Working Paper No. 885 The link between bank competition and risk in the United Kingdom: two views for policymaking Sebastian J A de-Ramon, William B Francis and Michael Straughan September 2020 Staff Working Papers describe research in progress by the author(s) and are published to elicit comments and to further debate. Any views expressed are solely those of the author(s) and so cannot be taken to represent those of the Bank of England or to state Bank of England policy. This paper should therefore not be reported as representing the views of the Bank of England or members of the Monetary Policy Committee, Financial Policy Committee or Prudential Regulation Committee.