Commercial Borrowing - UK - December 2016

Commercial Borrowing - UK - December 2016

  • Mintel
  • January 2017
  • Banking
  • 0 pages

Report Description

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Post-credit crunch, the industry has faced a wave of new challenges, including unprecedented regulatory changes and, more recently, the uncertainty created following the Brexit vote. Each factor has impacted the sector in a number of ways, requiring lenders to review and develop their positions, while maintaining a more responsible lending approach where the principles of treating customers fairly remains integral.

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Table of Content

Executive Summary

Market size
Figure 1: UK MFIs’ net loans to non-financial businesses, Q4 2014 - Q3 2016, by size of business
Figure 2: UK MFIs’ cumulative net lending to UK non-financial businesses, 2014-15, by industrial sector
Market trends
Market factors
Brexit creates opportunities for business banking providers to deepen customer relationships
Commercial property transactions continue to rise
Profitability and business investment in the private sector rose in 2015 but may stagnate in 2016
Reports of falling business confidence at odds with rise in M&A activity
Industry structure
Forecast
Gross lending expected to remain stable to 2021
Figure 3: Forecast UK MFIs’ net loans ro non-financial businesses, 2017-21
Alternative market expected to nearly double its lending by 2021
Figure 4: Forecast UK alternative lending market, by funding type, 2017-21
Total value of outstanding debt set to rise alongside short-term market uncertainty
What we think

Key Insights

How has the UK’s vote to leave the EU already impacted the market?
How did challenger banks perform in 2015? Have mainstream banks reacted in any way?
What does the future hold for commercial borrowing?

Success Stories

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