The Bank of England has told U.K. lenders to increase their capital buffers to protect themselves against risks ranging from Brexit to an increase in consumer borrowing.

The BOE's Financial Policy Committee said in its twice-yearly financial stability report that there are "pockets of risk" in the financial system and increased the counter-cyclical capital buffer in response.

Banks must now set aside 0.5% of U.K. risk-weighted assets, this is up from 0%. The bank also forecast a further 0.5 percentage point rise to 1% by the end of the year.

"This action will supplement banks' already substantial ability to absorb losses," the BOE said.

U.K. lenders were up in London despite the need to find an extra £11.4 billion ($14.5 billion) cushion over the next 18 months.

Barclays plc (BCS) - Get Report was up 1.80% at 11:44 BST, changing hands at 203.5 pence. Lloyds Banking Group plc (LYG) - Get Report shares were marked 0.33% higher at 66.72 pence and Royal Bank of Scotland Group plc (RBS) - Get Report was trading at 250.40 pence.

"As is often the case in a standard environment, there are pockets of risk that warrant vigilance," the FPC said in its six-monthly Financial Stability Report on Tuesday. "Consumer credit has increased rapidly. Lending conditions in the mortgage market are becoming easier. Lenders may be placing undue weight on the recent performance of loans in benign conditions."

The BoE also warned about the risks surrounding the U.K.'s exit from the European Union. The BoE said it is overseeing the financial system's contingency plans for withdrawal - including the possibility of no deal with the EU when a two-year window for talks closes.