UK Retail Banking 2005

1 Introduction

2 Definition

3 Executive Summary

4 Market Size
4.1 Total Value of Banking Products in the UK
4.2 Total Value of MBBG Banking
4.3 UK Banking in the European Context

5 Market Sectors
5.1 Savings
5.1.1 Deposits
5.1.2 Tax Free Savings
5.1.3 Number of Bank Accounts
5.2 Lending
5.2.1 Mortgage Lending
5.2.2 Credit Card Lending
5.3 Delivery of Services
5.3.1 Branch Networks
5.3.2 Staff Numbers
5.3.3 Technology
5.3.3.1 ATMs and Cash Dispensers
5.3.4 Telephone and Internet Banking
5.3.4.1 Outsourcing

6 Market Share

7 Market Structure
7.1 Total Assets and Growth Rates
7.2 Regulation
7.2.1 UK Regulation
7.2.2 European Regulation

8 Key Players
8.1 RBS
8.1.1 Profits
8.1.2 Total Assets
8.1.3 Number of Branches
8.1.4 Staffing
8.1.5 Outlook
8.2 Barclays
8.2.1 Profits
8.2.2 Total Assets
8.2.3 Number of Branches
8.2.4 Staffing
8.2.5 Outlook
8.3 HBOS
8.3.1 Profits
8.3.2 Total Assets
8.3.3 Number of Branches
8.3.4 Staffing
8.3.5 Outlook
8.4 HSBC
8.4.1 Profits
8.4.2 Total Assets
8.4.3 5.43 Number of Branches
8.4.4 Staffing
8.4.5 Outlook
8.5 Lloyds TSB
8.5.1 Profits
8.5.2 Total Assets
8.5.3 Branch Network
8.5.4 Staffing
8.5.5 Outlook
9 Sources & Definitions
9.1 Exchange Rates
9.2 References
10 Marketing Contacts
11 For Further Information

LIST OF TABLES
Table 1: UK Banking Products Market Size Measured by Total Assets of UK Banks (£ millions), 2000-2005(est.)
Table 2: MBBG Aggregate Balance Sheet 2000-2005
Table 3: European Banks: Total Assets 1999-2003 (€ billions)
Table 4: MBBG Sterling Deposits, 2003-2005
Table 5: MBBG Sterling Deposits from UK Residents (£ millions), 2000-2005(est.)
Table 6: Total Amount Subscribed to ISAs, 2000-2005
Table 7: MBBG Sterling Advances to UK Residents (£ billions), 2000-2005
Table 8: Outstanding Mortgage Lending to UK Residents (£ millions), 2000-2005(est.)
Table 9: Outstanding Mortages & Repossession Rate, 2000-2005(est.)
Table 10: Credit Outstanding for MasterCard and Visa Cards (£ millions), 2000-2005
Table 11: Number of UK Bank Branches, 2000-2005(est.)
Table 12: Number of UK Bank Staff, 2000-2005(est.)
Table 13: Number of UK Cash Dispensers & ATMs, 2000-2005(est.)
Table 14: Number of UK Transactions Performed Using Cash Dispensers & ATMs, 2000-2005(est.)
Table 15: Number of Personal Customers Registerred to Access Their Accounts Telephone, 2000-2005(est.)
Table 16: Telephone Transactions by Type, 2004
Table 17: Number of Customers Registered to Access UK Personal Accounts Online, 2000-2005(est.)
Table 18: Online Transactions by Type, 2004
Table 19: Total Assets of MBBG Banks (£ millions) 2000-2005(est.)
Table 20: Percentage Share of Total Assets of MBBG Banks, 2005(est.)
Table 21: Total Assets & Average Growth Rates of MBBG Banks, 2000-2005(est.)
Table 22: RBS Annual Pre-Tax Profits for Retail Banking after Charges for Bad and Doubtful Debts & Exceptional Items, 2000-2005(est.)
Table 23: RBS Total Assets, 2000-2005(est.)
Table 24: RBS UK Branch Network, 2000-2005(est.)
Table 25: RBS UK Staff Numbers, 2000-2005(est.)
Table 26: Barclays' Pre-Tax for UK Retail Banking (£ million), 2000-2005(est.)
Table 27: Barclays' Total Assets (£ millions), 2000-2005(est.)
Table 28: Number of Barclays Retail Branches in the UK, 2000-2005(est.)
Table 29: Number of Barclays Staff Worldwide, 2000-2005(est.)
Table 30: HBOS Pre-Tax Profits, 2000-2005(est.)
Table 31: HBOS Total Assets (£ million), 2000-2005(est.)
Table 32: Number of HBOS Branches in the UK, 2000-2005(est.)
Table 33: Number of HBOS Branches in the UK, 2000-2005(est.)
Table 34: HSBC Total Assets (£ millions), 2000-2005(est.)
Table 35: Number of HSBC Branches in the UK, 2000-2005(est.)
Table 36: HSBC UK Staff Numbers, 2000-2005(est.)
Table 37: Lloyds Pre-Tax Profits (£ million), 2000-2005(est.)
Table 38: Lloyds TSB Total Assets (£ million), 2000-2005(est.)
Table 39: Lloyds TSB UK Branch Numbers, 2000-2005(est.)
Table 40: Lloyds TSB UK Branch Numbers, 2000-2005(est.)

LIST OF FIGURES
Figure 1: Total Bank & MBBG Assets (£ million), 2000-2005(est.)
Figure 2: MBBG Aggregate Balance Sheet (£ millions), 2000-2005(est.)
Figure 3: European Banks' Total Assets, 1999-2003
Figure 4: MBBG Sterling Deposits from UK Residents, 2000-2005(est.)
Figure 5: Total Amount Subscribed to ISAs (£ millions), 2000-2005
Figure 6: MBBG Sterling Advances to UK Residents (£ millions), 2000-2005(est.)
Figure 7: Outstanding Mortgage Lending to UK Residents (£ millions), 2000-2005
Figure 8: Ratio of Properties Possessed to Mortgages Outstanding, 2000-2005
Figure 9: Credit Outstanding on MasterCard & Visa Cards (£ millions) 2000-2005
Figure 10: Number of UK Bank Branches, 2000-2005(est.)
Figure 11: Number of UK Bank Staff, 2000-2005(est.)
Figure 12: Number of UK Cash Dispensers & ATMs, 2000-2005(est.)
Figure 13: Telephone Transactions by Type, 1999-2003
Figure 14: Online Transactions by Type, 2004
Figure 15: Shares Total Assets of MBBG by Bank, 2005(est.)
Figure 16: Relative Market Share & Annual Growth of MBBG Banks, 2001-2005
Figure 17: RBS Annual Pre-Tax Profits for Retail Banking After Charges for Bad and Doubtful Debts & Exceptional Items, 2000-2005(est.)
Figure 18: RBS Annual Total Assets, 2000-2005(est.)
Figure 19: Barclays' Pre-Tax Profit for UK Retail Banking (£ millions), 2000-2005(est.)
Figure 20: HBOS UK Banking Profits, 2000-2005(est.)
Figure 21: HBOS Total Assets (£ million), 2000-2005(est.)
Figure 22: HSBC Pre-Tax Profits (£ million), 2000-2005(est.)
Figure 23: Lloyds Pre-Tax Profits (£ million), 2000-2005(est.)
Figure 24: Lloyds TSB Total Assets (£ million), 2000-2005(est.)