UK Retail Banking, 2019 - Opportunities and Risks Up Until 2023 -

DUBLIN--()--The "UK Retail Banking: Opportunities and Risks to 2023" report has been added to's offering.

The UK's total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a compound annual growth rate (CAGR) of 3.3% during 2014-18 to reach 1,626.6bn ($2,075.6bn).

The majority of loan balances outstanding are from home loans, with residential mortgage balances outstanding accounting for 86.7% of total balances in 2018, followed by personal loans (8.8%) and credit cards (4.5%). However, uncertainty on account of Brexit and its impact on the economy will affect the growth of total loan balances outstanding in the coming years. As a result, we estimate total loan balances outstanding to record a subdued CAGR of 2.7% over 2019-23. The UK lending space is dominated by Lloyds Banking Group, Barclays, and RBS Group - a trend that is anticipated to continue over the coming years. However, they may face increased competition from non-bank lenders, digital banks, and digital lending platforms breaking into the market and offering low interest rates and hassle-free loan approvals. The savings market in the UK recorded a CAGR of 3.9% over 2014-18 to reach 1,433.7bn ($1,829.4bn) in 2018. The market grew at a higher rate compared to loan balances during the five-year review period due to economic uncertainty surrounding Brexit.


  • In 2018, credit card balances outstanding in the UK witnessed their slowest growth in the last five years. This situation was exacerbated by the growth of point of sale (POS) finance.
  • The UK personal loan market recorded a strong CAGR of 7.4% during 2014-18, supported by low interest rates and better deals by providers fighting to improve market share.
  • The UK residential mortgage market registered a CAGR of 2.9% during 2014-18 primarily driven by first-time buyers.

Reasons to buy

  • Make strategic decisions using top-level historic and forecast data on the UK retail lending industry.
  • Identify the most promising lending segment.
  • Receive detailed insights into lending in the UK, including consumer lending.
  • Understand the changing market and competitive dynamics by learning about new competitors and recent deals in the retail lending space.
  • Receive comprehensive coverage of the retail deposit market in the UK.

Key Topics Covered:

  • Macroeconomic Overview
  • Consumer Lending: Mortgage Loans
  • Consumer Lending: Personal Loans
  • Consumer Lending: Credit Card Loans
  • Retail Deposits
  • Digital Disruptors
  • Recent Deals
  • Appendix

Companies Mentioned

  • Lloyds Banking Group
  • Nationwide
  • RBS Group
  • Santander (UK)
  • Barclays
  • HSBC (UK)
  • Coventry Building Society
  • Virgin Money
  • Yorkshire Building Society
  • Clydesdale Bank
  • TSB
  • Skipton Building Society
  • Leeds Building Society
  • Tesco Bank
  • OneSavings Bank
  • Metro Bank
  • Principality Building Society
  • Sainsbury's bank
  • Paragon Bank
  • Aldermore Bank
  • Shawbrook bank
  • Secure Trust Bank
  • United Trust Bank
  • Monmouthshire Building Society
  • Monzo
  • Yolt
  • Starling Bank
  • Moneybaba
  • Zuto
  • Atom Bank
  • Woodford Patient Capital Trust
  • Toscafund
  • BBVA
  • Perscitus
  • Duet Private Equity and EMEA Capital

For more information about this report visit

Laura Wood, Senior Press Manager
For E.S.T Office Hours Call 1-917-300-0470
For U.S./CAN Toll Free Call 1-800-526-8630
For GMT Office Hours Call +353-1-416-8900

Laura Wood, Senior Press Manager
For E.S.T Office Hours Call 1-917-300-0470
For U.S./CAN Toll Free Call 1-800-526-8630
For GMT Office Hours Call +353-1-416-8900