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Consumer Credit in the UK - Key Trends and Opportunities to 2019

Published By :

Timetric

Published Date : Sep 2015

Category :

Banking

No. of Pages : 80 Pages

Synopsis

Consumer credit has shown consistent signs of growth since 2014

Table of Contents

1 Executive Summary

2 Introduction

2.1 What is this Report About?
2.2 Definitions
2.3 Methodology

3 Market Analysis
3.1 Market Size
3.1.1 Total Stock of Lending
3.1.2 Total Gross Lending
3.1.3 Total Net Lending
3.2 Lending by Institution
3.2.1 Lending from MFIs
3.2.1.1 Stock of Lending from MFIs
3.2.1.2 Gross Lending from MFIs
3.2.1.3 Net Lending from MFIs
3.2.2 Lending from Other Sources
3.2.2.1 Stock of Lending from Other Sources
3.2.2.2 Regulatory Changes
3.2.2.3 Net Lending from other consumer credit lenders
3.3 Lending by Type of Credit
3.3.1 Credit Cards
3.3.1.1 Stock of Lending
3.3.1.2 Credit Card Gross Lending
3.3.1.3 Net Lending on Credit Cards
3.3.1.4 Credit Card Activity
3.3.1.5 UK Bank Write offs
3.3.1.6 Interest Rates on Credit Cards
3.3.2 Other Loans and Advances
3.3.2.1 Stock of Lending
3.3.2.2 Gross Lending
3.3.2.3 Net Lending on other forms of consumer credit
3.3.2.4 Other loans and advances 
3.3.2.5 Overdrafts

4 Consumers
4.1 Consumer Confidence
4.2 Demand for and Availability of Credit
4.2.1 Demand
4.2.2 Availability
4.3 Economic Climate
4.3.1 Interest Rates
4.3.2 Energy Bills
4.3.3 Source of debt
4.4 Retail Sales
4.5 Lending to Underbanked, Unbanked and Sub-Prime Customers
4.5.1 Unbanked Customers

5 Market Outlook

6 Competitive Landscape

7 Regulation and Policy

7.1 Regulators
7.1.1 Financial Conduct Authority (FCA)
7.1.2 Prudential Regulation Authority (PRA)
7.1.3 Monetary Policy Committee (MPC)
7.1.4 Treasury Committee
7.1.5 Competitions and Markets Authority (CMA)

8 UK Bank Profiles
8.1 Santander UK Plc
8.2 Lloyds Banking Group
8.3 Barclays Plc
8.4 Royal Bank of Scotland Group Plc
8.5 HSBC Bank Plc

9 Personal Loans Offered
9.1 Santander UK Plc
9.2 Royal Bank of Scotland Group Plc
9.3 HSBC Bank Plc
9.4 Barclays Plc
9.5 Lloyds Banking Group
9.6 Nationwide Building Society

10 Statistics
10.1 Review Period
10.2 Forecast Period
11 News

12 Appendix
12.1 Methodology
12.2 Contact Timetric
12.3 About Timetric
12.4 Timetric’s Services
12.5 Disclaimer

List of Table

Table 1: The UK – Consumer Credit Market (GBP Billion), 2009–2014
Table 2: The UK – Consumer Credit Lending (GBP Million), 2015–2019

List of Chart

Figure 1: UK – Outstanding Consumer Credit, 2010–2015
Figure 2: UK – Consumer Credit Gross Lending, (GBP Million) 2010–2015
Figure 3: UK – Annual Consumer Credit Gross Lending (GBP Million), 2009-2014
Figure 4: UK – Total Gross Lending and Repayments, GBP Million: 2013–2015
Figure 5: UK – Total Net Consumer Credit Lending, GBP Million: 2013–2015
Figure 6: UK – Outstanding Consumer Credit from MFIs (GBP Million), 2010–2015
Figure 7: UK – Consumer Credit Gross Lending from MFIs (GBP Million), 2010–2015
Figure 8: UK – MFI – Gross Lending and Repayments: 2013–2015
Figure 9: UK – MFI Net Consumer Credit Lending: 2013–2015
Figure 10: UK – Outstanding Consumer Credit from Other Sources (GBP Million), 2010–2015
Figure 11: UK – Annual Consumer Credit Gross Lending from Other Sources (GBP Million), 2010–2015
Figure 12: UK – Other Consumer Credit Lenders – Gross Lending and Repayments: 2013–2015
Figure 13: UK – Other Consumer Credit Lenders – Net Consumer Credit Lending: 2013–2015
Figure 14: UK – Outstanding Consumer Credit, Credit Card Loans (GBP Million), 2010–2015
Figure 15: UK – Annual Outstanding Consumer Credit, Credit Card Loans (GBP Million), 2010–2015
Figure 16: UK – Credit Card Gross Lending (GBP Million), 2010–2015
Figure 17: UK – Annual Credit Card Gross Lending (GBP Million), 2009–2014
Figure 18: UK – Credit Cards – Gross Lending and Repayments: 2013–2015
Figure 19: UK – Net Credit Card Lending: 2013–2015
Figure 20: UK – Value of Credit Card Purchases (GBP Million), 2009–2014
Figure 21: UK – Number of Credit Card Purchases (Million), 2009–2014
Figure 22: UK – Number and Value of Credit Card Purchases (GBP Million), 2010–2015
Figure 23: UK – Write-Off Growth Rates on Credit Card lending from Banks: 2009–2015
Figure 24: UK – Interest Rates on Credit Card Loans: 2009–2015
Figure 25: UK – Stock of Consumer Credit from Other Loans and Advances, Monthly: 2010–2015
Figure 26: UK – Annual Stock of Other Loans and Advances: 2010–2015
Figure 27: UK – Other Loans and Advances, Gross Lending, Monthly: 2010–2015
Figure 28: UK – Annual Other Loans and Advances, Gross Lending, 2009–2014
Figure 29: UK – Other Loans and Advances – Gross Lending and Repayments (GBP million): 2013–2015
Figure 30: UK – Other Loans and Advances – Net Consumer Credit Lending (GBP Million): 2013–2015
Figure 31: UK – Overdraft Lending, Monthly Amounts Outstanding (GBP Million), 2009–2015
Figure 32: UK – Overdraft Lending, Annual Amounts Outstanding (GBP Million), 2009–2015
Figure 33: UK – Interest Rates On UK Overdrafts (%), 2009–2015
Figure 34: UK – Revenue From Arranged and Unarranged Overdraft Charges (GBP Million), 2011–2013
Figure 35: UK – Personal Loans, Outstanding Amount (GBP Million), 2011–2015
Figure 36: UK – Personal Loans, Gross Lending (GBP Million), 2009–2015
Figure 37: UK – Interest Rates on Personal Loans 2009–2015
Figure 38: UK – Motor Finance Dealership Lending, New Cars – Value of Advances and Percentage Change on Previous Year: 2011–2015
Figure 39: UK – Motor Finance Dealership Lending, New Cars – Number of Cars bought and Percentage Change on Previous Year: 2011–2015
Figure 40: UK – Motor Finance Dealership Lending, Used Cars – Value of Advances and Percentage Change on Previous Year: 2011–2015
Figure 41: UK – Motor Finance Dealership Lending, Used Cars – Number of Cars bought and Percentage Change on Previous Year: 2011–2015
Figure 42: UK – Student Loans, Overall Amount Awarded (GBP Million), 2010–2014
Figure 43: UK – Paydays Loans, Percentage of Revenue of Loans Rolled Over or Refinanced, 2012
Figure 44: UK – Payday Loans, Percentage of Loans Rolled Over or Refinanced, 2012
Figure 45: UK – GfK Consumer Confidence Index, 2012–2015
Figure 46: UK – How has Demand for Total Unsecured Credit from Households Changed: 2007–2015
Figure 47: UK – How has Availability for Total Unsecured Credit for Households Changed: 2007–2015
Figure 48: UK – Lending, Salaries, Inflation and Annual Increases (%), 2011–2015
Figure 49: UK – CPI Monthly Inflation Rate (%), 2009–2014
Figure 50: UK BoE Official Bank Rate (%), 2004–2015
Figure 51: UK Annual Gas and Electricity Bills: 2004–2014
Figure 52: UK Source of Debt: 2013
Figure 53: UK – Total Retail Sales, Monthly (GBP Billion), 2010–2015
Figure 54: UK – Spending on Higher-Value Items, Monthly (GBP Billion), 2010–2015
Figure 55: UK – Spending on Higher-Value Items, Annually (GBP Billion), 2010–2015
Figure 56: Total Consumer Credit: Outstanding Balances Forecast: 2015–2019
Figure 57: Total Gross Consumer Credit Lending: Forecast: 2015–2019
Figure 58: Credit Card Lending: Outstanding Balances Forecast: 2015–2019
Figure 59: Other Loans and Advancements Lending: Outstanding Balances Forecast: 2015–2019
Figure 60: UK Credit Card Market Shares: 2014
Figure 61: UK Personal Loan Outstanding Balances: Market Shares: 2013
Figure 62: UK Banking Regulatory Framework, 2014

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