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市場調査レポート

英国のリテール貯蓄市場:主な動向と機会

Retail Savings in the UK - Key Trends and Opportunities to 2019

発行 Timetric 商品コード 300052
出版日 ページ情報 英文 71 Pages
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英国のリテール貯蓄市場:主な動向と機会 Retail Savings in the UK - Key Trends and Opportunities to 2019
出版日: 2015年10月31日 ページ情報: 英文 71 Pages
概要

当レポートでは、英国のリテール貯蓄市場について調査分析しており、市場規模、市場促進要因、市場見通し、主要銀行に関する情報、ニュース、規制の発展動向、主要企業プロファイルなどを提供しています。

第1章 エグゼクティブサマリー

第2章 イントロダクション

第3章 市場分析

  • 市場規模
  • 金利
  • 市場見通し

第4章 消費者

  • 経済背景
  • 貯蓄行動

第5章 競合情勢

  • 市場シェア
  • 貯蓄口座の金利
  • 貯蓄口座のイノベーション
  • リテール貯蓄 - SWOT分析

第6章 Porterのファイブフォース分析

  • サプライヤーの交渉力:中〜高
  • バイヤーの交渉力:低
  • 参入障壁:中
  • 企業間競争:高
  • 代替商品の脅威:高

第7章 規制とコンプライアンス

  • 最近の改正
  • 新しい規制

第8章 取引

第9章 ニュース

第10章 英国のリテールバンク(小売銀行)

  • 企業概要(プロファイル、主な製品、競合企業、役員など)

第11章 統計

  • 実績
  • 予測

第12章 付録

図表

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目次
Product Code: FS0142MR

Interest rates on all savings accounts are at record lows in the UK and are failing to entice customers, despite improving economic conditions. Growth has been slow across all savings accounts, apart from ISAs, which have seen growth due to the upper limits being raised every year since 2010, not because of attractive interest rates.

Summary

Interest rates on all savings accounts are at record-lows in the UK and are failing to entice customers despite improving economic conditions. Growth has been slow across all savings accounts, apart from ISAs, which have seen growth due to the upper limits being raised every year since 2010, not because of attractive interest rates.

The central bank rate remaining so low has meant that banks have had access to extremely cheap funds and therefore have not needed to compete for savings accounts from consumers. This in turn has made borrowing from banks cheaper, meaning taking on debt for high-value purchases or moving house has been cheaper throughout the review period, so investing and paying off debt has been more appealing than stashing cash away in savings accounts

Average pay, including bonuses, increased by 3.0% in May to July 2015, compared to the same period in the previous year, which marked the largest rise in six years. This, combined with record ow inflation - hasn't been above 0.1% since January 2015, and dropped back to -0.1% in September 2015 - means that real wages have grown substantially throughout 2015, something not seen since before the financial crash. Furthermore, UK unemployment fell to a seven-year low of 5.4% in the three months to August, with 79,000 more people in work than the previous quarter.

Despite more people being in work, and those in work seeing growth in real wages, people are saving a smaller percentage of their wage than at any time since 2008. People generally became very wary of debt in the immediate aftermath of the financial crash, which encouraged saving and saw the saving rate rise to 11.4%. A recent surge in consumer confidence though, has largely seen people lose that fear, as the rate plummeted to 4.6%, with people looking towards spending more - spending on hotels and restaurants was up 8% in 2015 up to October, for example - or paying off debt with higher interest rates than savings accounts can offer.

The extremely uncompetitive savings account market, in terms of interest rates, has clearly been a factor in the savings rate, as consumers haven't been tempted to lock money away.

Two million customers have switched current account providers in the two years since the Payments Council Current Account Switch Service for individuals, small companies and charities was introduced to make the process easier. The scheme is also known as the 7-day switch aimed to promote competition in the market and allow consumers more choice.

This suggests that despite record-low savings rates being offered in a very uncompetitive market, banks can still attract customers on mass with a relatively good offer. Santander has been a perfect example of this in 2015, who despite charging GBP2.0 per month for its 123 account, has attracted 98,400 new customers this year due to a more competitive interest rates and cashback on household bills.

Scope

  • This report provides market analysis, information and insights into the UK retail savings industry
  • It provides a breakdown of the types of savings products offered in the UK
  • It analyzes drivers and the outlook for the market
  • It provides information on the main banks in the UK market
  • It covers news and regulatory developments
  • It forecasts the future of the retail savings industry in the UK over the next five years

Reasons To Buy

  • Gain an understanding of the UK retail savings industry.
  • See monthly and annual statistics on every aspect of the market, both in written form and shown in graphs and tables.
  • Read analysis of the relevant market statistics, indicating what has been happening in the retail savings market, why it has been happening, and what to expect over the coming years.
  • Read about all the economic factors impacting the industry.
  • Read about how individual banks and building societies are affecting the market, in terms of market share and innovation.

Table of Contents

1. Executive Summary

2. Introduction

  • 2.1. What is this Report About?
  • 2.2. Definitions
  • 2.3. Methodology

3. Market Analysis

  • 3.1. Market Size
    • 3.1.1. Monetary and Financial Institutions
    • 3.1.2. National Savings & Investments (NS&I)
    • 3.1.3. Sight and Time Deposits
    • 3.1.4. ISAs

3.1.4.1. Cash ISAs

3.1.4.2. Cash ISA Breakdown

3.1.4.3. Stocks and Shares ISAs

3.1.4.4. ISAs by Region

3.1.4.5. ISAs by Income Group

3.1.4.6. Junior ISAs

3.1.4.7. ISAs by Age and Gender

  • 3.2. Interest Rates
  • 3.3. Funding for Lending Scheme

4. Consumers

  • 4.1. Economic Backdrop
    • 4.1.1. Real GDP Growth
    • 4.1.2. Labor Market Conditions
    • 4.1.3. Disposable Income
    • 4.1.4. Inflation
    • 4.1.5. Central Bank Rate
    • 4.1.6. House Prices
    • 4.1.7. Energy Bills
    • 4.1.8. Household Debt
  • 4.2. Saving Behavior
    • 4.2.1. Saving Ratio

5. Competitive Landscape

  • 5.1. Savings Account Interest Rates
  • 5.2. Product Innovation
  • 5.3. Switching Banks

6. Market Outlook

7. Regulation and Compliance

  • 7.1. Recent Changes
    • 7.1.1. Recent ISA changes
    • 7.1.2. Bank of England Stress Testing
    • 7.1.3. Funding for Lending Scheme
    • 7.1.4. Financial Services Compensation Scheme
    • 7.1.5. Capital Requirements Directive IV (CRD IV)
    • 7.1.6. Financial Services (Banking Reform) Act 2013
  • 7.2. Upcoming Regulations
    • 7.2.1. Basel III

8. News

9. Deals

10. UK Retail Banks

  • 10.1. Barclays Plc - Company Overview
    • 10.1.1. Barclays Plc - Profile
    • 10.1.2. Barclays Plc - Main Savings Products
    • 10.1.3. Barclays Plc - Main Competitors
    • 10.1.4. Barclays Plc - Board of Directors
  • 10.2. HSBC Plc - Company Overview 58
    • 10.2.1. HSBC Bank Plc - Profile
    • 10.2.2. HSBC Bank Plc - Main Savings Products
    • 10.2.3. HSBC Bank Plc - Main Competitors
    • 10.2.4. HSBC Bank Plc - Board of Directors
  • 10.3. Lloyds Banking Group Plc - Company Overview
    • 10.3.1. Lloyds Banking Group Plc - Profile
    • 10.3.2. Lloyds Banking Group Plc - Main Savings Products
    • 10.3.3. Lloyds Banking Group Plc - Main Competitors
    • 10.3.4. Lloyds Banking Group - Board of Directors
  • 10.4. National Savings and Investments - Company Overview
    • 10.4.1. National Savings and Investments - Profile
    • 10.4.2. National Savings and Investments - Main Savings Products
    • 10.4.3. National Savings and Investments - Main Competitors
    • 10.4.4. National Savings and Investments - Board of Directors
  • 10.5. Nationwide Building Society - Company Overview
    • 10.5.1. Nationwide Building Society - Profile
    • 10.5.2. Nationwide Building Society - Main Savings Products
    • 10.5.3. Nationwide Building Society - Main Competitors
    • 10.5.4. Nationwide Building Society - Board of Director
  • 10.6. Santander UK Plc - Company Overview
    • 10.6.1. Santander UK Plc - Profile
    • 10.6.2. Santander UK Plc - Main Savings Products
    • 10.6.3. Santander UK Plc - Main Competitors
    • 10.6.4. Santander UK Plc - Board of Directors
  • 10.7. The Royal Bank of Scotland Group - Company Overview
    • 10.7.1. The Royal Bank of Scotland Group Plc - Profile
    • 10.7.2. The Royal Bank of Scotland Group Plc - Main Savings Products
    • 10.7.3. The Royal Bank of Scotland Group Plc - Main Competitors
    • 10.7.4. The Royal Bank of Scotland Group Plc - Board of Directors

11. Appendix

  • 11.1. Methodology
  • 11.2. Contact Timetric
  • 11.3. About Timetric
  • 11.4. Timetric's Services
  • 11.5. Disclaimer

List of Tables

  • Table 1: Banking Industry Definitions
  • Table 2: The UK - ISA Subscription Limits, FY1999-2000 to FY2014-2015
  • Table 3: The UK - Cash ISA Market Summary, FY20010-2015
  • Table 4: The UK Retail Saving - Competitor Interest Rates (%), Financial Year 2015/16
  • Table 5: Recent and Upcoming Regulatory Changes, 2012-2018
  • Table 6: Barclays Plc, Key Facts
  • Table 7: Barclays Plc, Main Savings Products
  • Table 8: Barclays Plc, Board of Directors
  • Table 9: HSBC Bank Plc, Key Facts
  • Table 10: HSBC Bank Plc, Main Savings Products
  • Table 11: HSBC Bank Plc, Board of Directors
  • Table 12: Lloyds Banking Group Plc, Key Facts
  • Table 13: Lloyds Banking Group Plc, Main Products
  • Table 14: Lloyds Banking Group Plc, Board of Directors
  • Table 15: National Savings and Investments, Key Facts
  • Table 16: National Savings and Investments, Main Products
  • Table 17: National Savings and Investments, Board of Directors
  • Table 18: Nationwide Building Society, Key Facts
  • Table 19: Nationwide Building Society, Main Products
  • Table 20: Nationwide Building Society, Board of Directors
  • Table 21: Santander UK Plc, Key Facts
  • Table 22: Santander UK Plc, Main Products
  • Table 23: Santander UK Plc, Board of Directors
  • Table 24: The Royal Bank of Scotland Group Plc, Key Facts
  • Table 25: The Royal Bank of Scotland Group Plc, Main Products
  • Table 26: The Royal Bank of Scotland Plc, Board of Directors

List of Figures

  • Figure 1: UK - Household Cash Deposits - Balances Outstanding (GBP Million), 2010-2015
  • Figure 2: UK - Household Cash Deposits - Balances Outstanding (GBP Million), 2010-2015
  • Figure 3: UK - Balances Outstanding on Household Deposits at MFIs (GBP Million), 2010-2015
  • Figure 4: UK - Balances Outstanding on Household Deposits at MFIs (GBP Million), 2010-2015
  • Figure 5: UK - % of Household Deposit Balances Held at MFIs, 2009-2015
  • Figure 6: UK - Balances Outstanding on Household Deposits in NS&Is (GBP Million), 2010-2015
  • Figure 7: UK - Balances Outstanding on Household Deposits in NS&Is (GBP Million), 2010-2015
  • Figure 8: UK - Time and Sight Deposit Outstanding Balances - Household Sector (GBP Million), 2010-2015
  • Figure 9: The UK - Balances Outstanding on Cash ISAs in the Household Sector, 2009-2015
  • Figure 10: The UK - Total Amount Subscribed to Cash ISAs, FY2009-2015
  • Figure 11: The UK - Total Number of Cash ISAs, FY2009-2015
  • Figure 12: The UK - Cash ISA Balances as a Share of Total Deposit Balances Outstanding (%), 2009-2015
  • Figure 13: The UK - Savings Accounts Sector Breakdown, 2013
  • Figure 14: The UK - Number of Stocks and Shares ISAs, FY2009-2010 to FY2014-2015
  • Figure 15: The UK - Amount Subscribed to Stocks and Shares ISAs, FY2009-2010 to FY2014-2015
  • Figure 16: The UK - Average amount subscribed to Stocks and Shares and cash ISAs, FY2005-2015
  • Figure 17: The UK - Amount Subscribed to Stocks and Shares ISAs, 2008-2015
  • Figure 18: The UK - Number of People Subscribed to ISAs by Region, FY2012-2013
  • Figure 19: The UK - Number of Individuals Subscribed to Stocks and Shares ISAs by Income Group and Subscription Limits, FY2012-2013
  • Figure 20: The UK - Number of Individuals Subscribed to Stocks and Shares ISAs by Income Group and Subscription Limits, FY2012-2013
  • Figure 21: The UK - Junior ISA Breakdown, 2012-2015
  • Figure 22: The UK - Junior ISA Subscription Limits, FY2011-2015
  • Figure 23: The UK - Number of ISA Subscribers by Age, FY2013
  • Figure 24: The UK - Number of Male ISA Subscribers by Age, FY2013
  • Figure 25: The UK - Number of Female ISA Subscribers by Age, FY2012-2013
  • Figure 26: The UK - Average Saving Account Interest Rates (%, End-year), 2011-2015
  • Figure 27: The UK - Real GDP Growth (%), 2008-2018
  • Figure 28: The UK - Unemployment and Redundancy Rates (%), 2006-2015
  • Figure 29: The UK - Average Weekly Earnings (GBP), 2004-2013
  • Figure 30: The UK - Household Disposable Income (GBP), 1997-2013
  • Figure 31: The UK - Consumer Price Inflation (%), 2010-2015
  • Figure 32: UK BoE Official Bank Rate (%), 2006-2015
  • Figure 33: The UK - Average House Prices (GBP), 2005-2014
  • Figure 34: UK Annual Gas and Electricity Bills: 2004-2014
  • Figure 35: The UK - Household Savings Ratio(%), 2008-2015
  • Figure 36: The UK - Market Shares of the 10 Leading Retail Saving Institutions(%), 2014
  • Figure 37: The UK - Market Shares of the Leading Current Account Providers (%), 2014
  • Figure 38: UK: Current Account Net Gains/ Losses by Banks, 2014
  • Figure 39: The UK - Total Amount Subscribed to ISAs Forecast: FY2007-2018
  • Figure 40: The UK - Household Cash Deposits - Balances Outstanding (GBP Billion), 2015-2019
  • Figure 41: The UK - Forecasted Savings Account Interest Rates, 2011-2019
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