Business Monitor International


United Kingdom Commercial Banking Report

Published 05 February 2014

  • 65 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
 
$1,295.00
United Kingdom Commercial Banking Report
Commercial Banking Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
November 2012, GBPbn 7,940.3 5,288.1 155.7 2,496.5 7,940.3 642.6 5,867.3 1,430.5
November 2013, GBPbn 7,627.6 4,960.7 163.7 2,503.2 7,627.6 632.1 5,593.5 1,402.0
% change y-o-y -3.9% -6.2% 5.1% 0.3% -3.9% -1.6% -4.7% -2.0%
November 2012, US$bn 12,714.9 8,467.8 249.4 3,997.7 12,714.9 1,028.9 9,395.3 2,290.6
November 2013, US$bn 12,484.8 8,119.6 268.0 4,097.3 12,484.8 1,034.6 9,155.5 2,294.8
% change y-o-y -1.8% -4.1% 7.5% 2.5% -1.8% 0.6% -2.6% 0.2%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, November 2013
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, US$ Deposits per capita, US$
88.69% 65.04% 306.2% 39,907.9 145,078.8
Rising Rising Falling n.a. n.a.
Source: BMI; Central banks; Regulators
Annual Growth Rate Projections 2013-2018 (%)
Assets Loans Deposits
Annual Growth Rate 2 3 4
CAGR 1 3 3
Ranking 68 65 64
Source: BMI; Central banks; Regulators
Ranking Out Of 71 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
40 12 1
Local currency asset growth Local currency loan growth Local currency deposit growth
68 63 67
Source: BMI; Central banks; Regulators
Commercial Banking Sector Indicators, 2011-2018
2011 2012 2013e 2014f 2015f 2016f 2017f 2018f
Total assets, GBPbn 8,126.7 7,798.2 7,486.3 7,448.9 7,530.8 7,628.7 7,743.1 7,859.3
Total assets, US$bn 13,002.7 12,633.1 11,978.1 11,918.2 12,124.6

Table of Contents

BMI Industry View
7
Table: Commercial Banking Indicators
7
Table: Commercial Banking Sector Key Ratios, November 2013
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 71 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
10
Economic
12
Business Environment
13
Industry Forecast
14
Industry Risk Reward Ratings
16
Developed States Commercial Banking Risk/Reward Ratings
16
Table: Developed States Commercial Banking Risk/Reward Ratings
17
Market Overview
18
Developed States Commercial Banking Outlook
18
Table: Banks' Bond Portfolios, 2012
18
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
19
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn)
19
Table: Comparison of US$ Per Capita Deposits, 2014
20
Economic Analysis
20
Table: UNITED KINGDOM - Economic Activity
24
Competitive Landscape
25
Market Structure
25
Protagonists
25
Table: Protagonists In The UK's Commercial Banking Sector
25
Definition Of The Commercial Banking Universe
25
List Of Banks
26
Table: Major British Banking Groups
26
Table: Other BBA Members
26
Table: Other BBA Members
28
Company Profile
32
Barclays
32
Table: Stock Market Indicators
33
Table: Balance Sheet (GBPmn)
34
Table: Balance Sheet (US$mn)
34
Table: Key Ratios (%)
34
Bradford & Bingley (Santander)
35
Table: Balance Sheet (GBPmn)
37
Table: Balance Sheet (US$mn)
37
Table: Key Ratios (%)
37
HSBC
38
Table: Balance Sheet (US$mn)
40
Table: Key Ratios (%)
40
Lloyds Banking Group
41
Table: Stock Market Indicators
43
Table: Balance Sheet (GBPmn)
43
Table: Balance Sheet (US$mn)
43
Table: Key Ratios (%)
44
Nationwide Building Society
45
Table: Balance Sheet (GBPmn)
46
Table: Balance Sheet (US$mn)
47
Table: Key Ratios (%)
47
Royal Bank of Scotland
48
Table: Stock Market Indicators
50
Table: Balance Sheet (GBPmn)
50
Table: Balance Sheet (US$mn)
51
Table: Key Ratios (%)
51
Global Industry Overview
52
Global Commercial Banking Outlook
52
Regional Outlooks
53
Demographic Forecast
57
Table: The United Kingdom's Population By Age Group, 1990-2020 ('000)
58
Table: The United Kingdom's Population By Age Group, 1990-2020 (% of total)
59
Table: The United Kingdom's Key Population Ratios, 1990-2020
60
Table: The United Kingdom's Rural And Urban Population, 1990-2020
60
Methodology
61
Industry Forecast Methodology
61
Sector Specific Methodology
62
Risk/Reward Ratings Methodology
63
Sector Specific Methodology
64
Table: Commercial Banking Risk/Reward Rating Indicators
64
Weighting
65
Table: Weighting Of Indicators
65

The United Kingdom Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in United Kingdom. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's United Kingdom Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in United Kingdom.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for United Kingdom to test other views - a key input for successful budgeting and strategic business planning in the British commercial banking market.
  • Target business opportunities and risks in United Kingdom through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

Executive Summary

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and US$.

Industry SWOT Analysis

Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the commercial banking sector and within the broader political, economic and business environment.

Business Environment Ratings

BMI's Commercial Banking Business Environment Ratings provide a country-comparative Risk-Reward Ratings index aimed at investors and participants in the regional commercial banking market.

The ratings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Ratings products.

Global, Regional and Country Industry

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI's global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2017 for all headline macroeconomic indicators including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

Competitive Landscape

Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.

Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI's industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate Company SWOT (Strengths, Weaknesses, Opportunities and Threats) analyses. The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

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Testimonials

'An essential, multi-faceted research tool. BMI’s thorough understanding of the major market players enables an informed – and informative – review of the sector’s actual performance, together with useful insights into current industry issues, which are topped-off with detailed and invaluable forecasts of industry and macroeconomic trends.’

Senior Research Analyst, ABC International Bank plc