消費者は手数料ベースの銀行業務に料金を支払うのか？

消費者は手数料が無料の銀行サービスを好む傾向が確かにありますが、別の調査結果によれば、消費者は手数料を支払ってでも、付加価値や利便性の高い商品を購入したいと考えています。その中には、無利子・全額補償の緊急基金や、自動口座引き落とし、返済期間の緩和、投資サービス、高利率商品、金融カードなどが含まれています。従来、銀行は当座貸越やカード年会費、ATM利用料金、カードのインターチェンジ・フィー、ローン処理手数料、クロスボーダー取引、貿易・資本サービス、資産・信託管理サービスなどから手数料を獲得してきました。しかし、規制環境や競合情勢の変化に伴い、各行は商品ポートフォリオや料金戦略を見直し、手数料に依存した収益体制を構築していくものと予想されます。各行はすでに、モバイルペイメントやP2P（個人間）決済、国際送金、優先サービスなどの新商品・サービスの開発を推し進めています。

当レポートでは、世界各国の銀行で近年顕著になってきた、手数料ベースの銀行業務の実態と将来展望について分析し、現在の銀行の収益構造と手数料収益の占めるシェア、国・銀行レベルでの収益構造、近年の手数料ベースの銀行業務経営の動向や課題、従来型の主な銀行（バンキング）商品−−当座貸越・各種取引業務−−と手数料収益の動向、といった情報を取りまとめてお届けいたします。

第1章 エグゼクティブ・サマリー

第2章 世界金融危機以降の銀行の収益額

第3章 利子所得 vs. 非利子所得

第4章 消費者は当座預金のために支出するのか？

第5章 当座貸越は今でも、銀行にとって主な収益促進要因となっているのか？

第6章 銀行の収益促進要因としての取引収益

第7章 手数料ベースの銀行業務に対する規制の影響

• 当座貸越やその他の銀行商品に対する規制
• インターチェンジ・フィーおよび加盟店手数料(Merchant Fees)
• カード発行件数

第8章 付録

図表一覧

The reliance of banks on fees and commissions increased following the latest financial crisis in both developed and emerging economies. Due to a weak demand for borrowing and low interest rates, banks have increased their focus on non-interest revenue. The proportion of fees and commission income in the total banking revenue however, varies according to country. The rising or decreasing proportion of fee income reflects the difference in consumers' preferences in different countries, the inherited pricing structure imposed by the banks and the country's economic cycle.

Although, consumers have strong preference for free basic banking services, evidence from different consumer surveys suggest that consumers are willing to pay for products that add value and convenience to basic banking services. Customers are willing to pay for interest-free emergency funds, automatic direct debits, increased grace periods on due payments, investment services and premium reward-associated accounts and cards.

Traditionally banks have generated their fees and commissions from overdrafts, unarranged overdraft fees, annual fees on accounts and cards, automatic teller machine (ATM) fees, interchange fees, loan processing, cross-border transactions, trade and capital market services and wealth and trust management services.

However, changing regulatory dynamics and the competitive landscape have forced banks to realign their product portfolio and pricing strategies to generate more fee-based income over the next five years. Banks have begun to increasingly focus on launching new products and services that provide alternative sources of fee income. This includes mobile payment solutions that allow convenient person-to-person (P2P) payments, international remittances and expedited payment services.

Summary

The report provides insights into the fee-based income of banks:

• It offers a global snapshot of current market dynamics of fee- and commission-based income for banks, and the future outlook.
• It explores the question of whether customers are paying for current/checking accounts.
• It provides insights into the impact of regulations on banks' ability to generate fee income.
• It captures trends into banks' revenue structures in key markets.
• It explores the importance of overdrafts and transaction banking as drivers of banking revenue.

Scope

• This report covers trends in bank revenue in key markets since the subprime crisis.
• It covers country- and bank-level information on banks' interest and non-interest income.
• It captures trends, challenges and drivers behind the dynamics of fee-based income for banks.
• It covers key components of fee-based revenue, including transaction banking, overdrafts, cards and payments and fee income generated from current/checking accounts.

Reasons To Buy

• Gain insights into potential products and services that generate fee-based income.
• Develop an understanding of whether a traditional approach can still generate sustainable fee income.
• Gain insights into the current and future sector dynamics of fee-based income.
• Understand emerging trends in banking regulations.

Table of Contents

1. Executive Summary

2. Bank Revenues since the Financial Crisis

3. Interest Income vs. Non-interest Income

4. Do Consumers Pay for Current Accounts?

5. Is Overdraft Still the Main Profitability Driver for Banks?

6. Transaction Income as a Driver of the Banking Revenue

7. The Impact of Regulation on Fee-based Banking

• 7.1. Regulation in Regards to Overdrafts and Other Banking Products
• 7.2. Interchange and Merchant Fees
• 7.3. Card issuance

8. Appendix

• 8.1. Methodology
• 8.2. Contact Timetric
• 8.3. About Timetric
• 8.4. Timetric's Services
• 8.5. Disclaimer

List of Tables

• Table 1: Developed Economies - Commission and Fees on Advisory Services, 2014
• Table 2: Developed Economies - Premium Cards, 2014
• Table 3: Emerging Economies - Credit Cards, 2014
• Table 4: Emerging Economies - Banks Offering Gold Coins and Bars, 2014
• Table 5: Fees and Charges Associated with Bank Accounts, 2014
• Table 6: Emerging Economies - Accounts With Low Banking Charges, 2014
• Table 7: Emerging Economies - Packaged Current Accounts, 2014
• Table 8: Developed Economies - Current Accounts, 2014
• Table 9: Emerging Economies - Current Account Overdraft Charges, 2014
• Table 10: Average Banking Fee on Remittances, Q3 20014
• Table 11: Card Transaction Income as Percentage Of Non-Interest Income, 2013
• Table 12: Impact of Regulation on Banks' Fee-Based Incomes
• Table 13: UAE - Fees and Commissions on Personal Accounts, 2011
• Table 14: UAE - Fees and Commissions on Debit Cards, 2011

List of Figures

• Figure 1: Banks in Developed Economies - Net Income After Tax (US$ Billion), 2009-2013
• Figure 2: Banks in Emerging Economies - Net Income After Tax (US$ Billion), 2009-2013
• Figure 3: Market Dynamics - Current Developments and Future Outlook
• Figure 4: Proportion of Non-interest Income as Percentage of Total Income (%), 2008 and 2012
• Figure 5: Interest vs Non-Interest Income of US Banks (US$ Billion), 2009 and 2013
• Figure 6: Interest vs Non-Interest Income of European Banks (US$ Billion), 2009 and 2013
• Figure 7: Interest vs Non-Interest Income of Key Banks Elsewhere (US$ Billion), 2009 and 2013
• Figure 8: Proportion of Paid and Free Checking Accounts in the US (%), 2009-2013
• Figure 9: Corporate Banking Transaction Revenues, 2012