Consumer Credit in the UK - Key Trends and Opportunities to 2018

Category : Banking & Finance
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Introduction to Report
 Launch Date: November 25, 2014
 Number of Pages: 81
 Geography Coverage: United Kingdom
 Available Format: PDF
Price For Single User License: USD 2,795
Price For Site User License: USD 5,590
Price For Global User License: USD 8,385
Delivery Time: Within 24 Hours (During Working
Days)

About the Report
This report provides market analysis, information
and insights into the UK consumer credit industry.
Consumer credit growth has shown consistent
signs of growth in 2014, for the first time since
before the financial crisis.
This is in a large part due to consumer confidence
also recording a positive number for the first time
since the credit crunch, low interest rates and a
steadily growing GDP, as nearly every category of
lending has grown up to July 2014.
Demand for and availability of credit also grew in
both the second and third quarters of 2014, which
has been a key factor.

Scope:
This report provides market analysis, information
and insights into the UK consumer credit industry
It provides a breakdown of the different forms of
consumer credit in the UK
It analyses drivers and the outlook for the market
It provides information on the main banks in the
UK market
It covers News and regulatory developments

Key Highlights:
Consumer credit growth has shown consistent signs of
growth in 2014, for the first time since before the
financial crisis.
This is in a large part due to consumer confidence also
recording a positive number for the first time since the
credit crunch, low interest rates and a steadily growing
GDP, as nearly every category of lending has grown up
to July 2014.
Demand for and availability of credit also grew in both
the second and third quarters of 2014, which has been a
key factor.
HSBC became the first lender to break the 5% interest
rate barrier for its GBP7,500–15,000 personal loan,
which launched a price war between mainstream
lenders, as each bank or building society tried to get to
the top of the comparison tables.

Key Highlights: Continues…
Central bank rate at remains at 0.5%; rise no longer
imminent, but still set for mid-2015
The Bank of England’s (BoE) base rate has been at a
record low since March 2009, at0.5%, meaning that
financial institutions have had much cheaper access to
credit; the rate looks set to rise in mid-2015, however.
Consumer confidence and demand and availability
both improving in 2014
Motor finance continues to record extraordinary
growth
The student loan category is not affected by the same
factors as the rest of the consumer credit industry, as
growth has been driven by the number of students and
cost of tuition continuing to rise.

Report Coverage
1. Executive Summary
2. Introduction
3. Market Analysis
4. Consumers
5. Market Outlook
6. Completive Landscape
7. Regulation and Policy
8. UK Bank Profiles
9. Personal Loans Offered
10. Appendix
For more details regarding Report coverage see the last slide

Company Coverage
1. Santander UK Plc
2. Royal Bank of Scotland Group Plc
3. HSBC Bank Plc
4. Barclays Plc
5. Lloyds Banking Group Plc
6. HSBC
7. Nationwide
For more details regarding Report coverage see the last slide

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Consumer Credit in the UK - Key Trends and Opportunities to 2018

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Consumer Credit in the UK - Key Trends and Opportunities to 2018