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Banks in the UK: Market Research Report

Market Research • Market Size • Industry Statistics • Industry Analysis • Industry Trends

Banks Market Research Report | SIC K64.191 | Jun 2017

Interesting effect: Low interest rates increase demand for loans but decrease interest gained

IBISWorld’s Banks market research report provides the latest industry statistics and industry trends, allowing you to identify the products and customers driving revenue growth and profitability. The industry report identifies the leading companies and offers strategic industry analysis of the key factors influencing the market.

Report Snapshot
Market Share of Companies
Barclays plc Barclays plc market share
HSBC Holdings HSBC Holdings market share
Lloyds Banking Group Lloyds Banking Group market share
Royal Bank of Scotland Group Royal Bank of Scotland Group market share
Industry Statistics & Market Size
Annual Growth 13-18
Annual Growth 18-23
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Industry Threats & Opportunities
  • Business and personal lending is anticipated to rise and support industry revenue growth
  • The industry began the period on a low base as a result of the downturn
  • Revenue from personal loans is forecast to increase as weak wage growth compels consumers to rely to credit
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Industry Analysis & Industry Trends

Over the past five years, increases in retail lending activity, prompted by an upturn in the housing market, have supported growth in the industry. The flow of credit available to banks also improved. Industry revenue is expected to increase at a compound annual rate of 4.9% over the five years through 2017-18. However, business lending activity fell during the first three years of period, which constrained growth. Tight regulations and strict lending criteria also restricted lending activity and curtailed expansion. In addition, the low interest rate environment curbed industry growth... purchase to read more

Industry Report - Industry Key Buyers Chapter

IBISWorld expects the four largest UK banks to have a combined market share of 48% in 2017-18, which indicates a medium level of concentration in the industry. Concentration increased significantly in January 2009 when Lloyds acquired HBOS, which had been hit hard by the financial crisis. The acquisition was largely funded by a capital injection from the government on the condition that the combined group would create and spin out a 600-branch retail banking business that would account for approximately one-fifth of the combined group's mortgage book. However, the recent sale of TSB by Lloyds caused concentration to fall. Eff.. purchase to read more

Additional Insights for the Banks Industry

IBISWorld identifies 250 Key Success Factors for a business.The most important for the Banks Industry are

  • Superior financial management and debt management
  • Access to secure revenues
  • Having a good reputation
  • IBISWorld analysts also discuss how external factors such as Business capital expenditure and Business confidence index in the Banks industry impact industry performance... purchase to read more


    Industry ProductsRelated Reports

    What is the Banks Industry?

    The Banks industry covers the retail and commercial banking activities of deposit-taking institutions. Retail and commercial banks accept deposits from and make loans to individuals and businesses.

    Industry Products
    Business loansHome loansPersonal loansBank accounts
    Industry Activities
    Lending to businessesLending to individualsAccepting deposits

    Table of Contents
    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Business capital expenditure
  • Business confidence index
  • Number of residential property transactions
  • Ratio of household debt to disposable income
  • Official bank rate
  • Current Performance
  • Crisis recovery
  • Industry expansion
  • Regulations intensify
  • Job cuts
  • Chart: Revenue Growth
  • Industry Outlook
  • Demand rises
  • Regulations rise
  • Margins improve
  • Table: Banks Industry Revenue Outlook
  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Banks Industry Lifecycle vs The Economy
  • Products & Markets
    Supply Chains
  • Key Buying Industries
  • Consumer Electronics Manufacturing
  • Building Project Development
  • Investment Banking & Securities Brokerage
  • Consumers
  • Key Selling Industries
  • Central Banking
  • Renting and Operating of Own or Leased Real Estate
  • Products & Services
  • Business loans
  • Home loans
  • Personal loans
  • Bank accounts
  • Chart: Banks Industry Products and Services Segmentation
  • Demand Determinants
    Major Markets
  • Businesses
  • Individuals
  • Other
  • Chart: Major Market Segmentation for the Banks Industry
  • International Trade
    Business Locations
  • Chart: Business Locations by State
  • Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Interest
  • Loan losses and provisions
  • Wages
  • Other costs
  • Chart: Cost Structure Benchmarking – Sector vs Banks
  • Basis of Competition
  • Internal competition
  • External competition
  • Barriers to Entry
  • Table: Barrier to Entry Checklist for the Banks Industry
  • Industry Globalization
    Major Companies
    Lloyds Banking Group plc
    Barclays plc
    The Royal Bank of Scotland Group plc
    HSBC Holdings plc
  • Table: Lloyds Banking Group plc - financial performance
  • Table: Barclays plc - financial performance
  • Table: The Royal Bank of Scotland Group plc - financial performance
  • Table: HSBC Holdings plc - financial performance
  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Banks Industry
  • Chart: Tools of the Trade: Growth Strategies for Success
  • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth
  • Regulation & Policy
    Industry Assistance
    Key Statistics
  • Table: Industry Data for the Banks Industry
  • Includes:
  • Industry Revenue (2009-2023)
  • Industry Gross Product (2009-2023)
  • Establishments (2009-2023)
  • Businesses (2009-2023)
  • Employment (2009-2023)
  • Wages (2009-2023)
  • Table: Annual Percentage Change for Key Industry Data
  • Table: Key Ratios for Industry Key Data
  • Jargon & Glossary
    Net Interest Margin
  • A measure of the difference between the interest income generated by banks and the amount of interest paid out to their lenders.
  • Ring-Fencing
  • Ring fencing occurs when a portion of a bank's business are financially separated.
  • Wholesale Funds
  • Funding supplied to banks by other financial institutions.

  • Why Buy this Report?
    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Banks:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Banks market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Banks, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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