Opinion on Retail Banking and Lending

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Type Product title / description Pub Price
Expert View
Expert View

Building society boom to end

Building society mortgage lending has soared, which has seen them increase competition to the major high street banks and raise their market share. However, the trend will be short-lived.

Published By Datamonitor
05 Jun 2014
Expert View
Expert View

Building societies show that small is beautiful

Building societies enjoyed a year of strong growth in mortgage lending in 2012. The decision by many building societies to focus on niche markets and employ more flexible lending criteria proved successful in generating new business, and the signs are that mutuals will continue to prosper in 2013.

Published By Datamonitor
07 Feb 2013
Expert View
Expert View

Building societies benefit from big bank weakness

Building societies have increased their share of the mortgage market as big banks cut back on lending. Exposure to the European sovereign debt crisis, stricter lending criteria, and a heavy reliance on wholesale markets have left the larger banks less able to service mortgage demand, allowing smaller lenders to increase their market share.

Published By Datamonitor
22 May 2012
Expert View
Expert View

BSRC needs sign-up from smaller banks

The newly announced Banking Standards Review Council (BSRC) needs banks of all sizes to sign up to its principles of best practice, in order to create competition and raise standards across the industry.

Published By Datamonitor
22 May 2014
CommentWire
CommentWire

Brussels: laying down the law to wean banks off state aid

The European Commission has announced that it is giving EU governments five years to sell off their stakes in all banks that are receiving taxpayer support. Although the deadline appears to give enough time to allow banks to turn their fortunes around, EU governments could have problems enforcing such a rigid deadline.

Published By Datamonitor
30 Jul 2009
CommentWire
CommentWire

Britannia/Yorkshire: what's mine is yours

Published By Datamonitor
09 Oct 2001
CommentWire
CommentWire

Britannia/Nationwide: it's time to prove mutual benefit

Carpetbagging just won't go away. While mutual institutions stubbornly argue that their status enables them to offer members better deals than their bank rivals, newspaper best buy tables tell a different story and many customers remain unconvinced. If the building societies want to survive, it's time for them to make these benefits visible.

Published By Datamonitor
16 Jan 2002
CommentWire
CommentWire

Britannia / Bristol & West: branching out

Britannia has announced that it is to buy the entire UK branch network of Bristol & West (B&W) from Bank of Ireland in a GBP150 million deal. The move suits both sides, as it adds significant scale and strength to Britannia's position in the household banking sector, while allowing Bank of Ireland to dispose of a poorly performing asset.

Published By Datamonitor
25 May 2005
CommentWire
CommentWire

Bristol & West: no more mortgages

The Bank of Ireland has announced that it will be closing down its Bristol & West subsidiary as it seeks to reduce its exposure to the UK mortgage market and redirect its focus on the domestic Irish market. With buy-to-let mortgage deals becoming increasingly scarce, this latest development is another step backwards for the industry as a whole.

Published By Datamonitor
15 Jan 2009
CommentWire
CommentWire

Bristol & West: new mortgage launch could bring criticism

Many bodies are now claiming that UK consumers are overindebted, while others foresee turbulent times ahead in the slowing mortgage market. Such concerns are prompting increasingly vociferous calls for more responsible lending. So it seems a strange time for Bristol and West to launch a new product that allows homebuyers to borrow up to 110% of the purchase price of their property.

Published By Datamonitor
16 Dec 2002

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