Current Accounts - UK - January 1999

INTRODUCTION AND ABBREVIATIONS
EXECUTIVE SUMMARY
MARKET BACKGROUND
Figure 1: Penetration of current accounts, by gender, age and socio-economic group, 1998
Figure 2: Current account penetration, 1991-98*
Figure 3: Number of UK personal bank accounts, 1993-97
Figure 4: Relationship between current account holding and unemployment rate, 1992-97
Figure 5: Trends in interest bearing and non-interest bearing current accounts, 1993-97
Figure 6: Interest payable on current account credit balances, November 1998
Figure 7: Comparison of authorised and unauthorised overdraft interest payable, November 1998
Figure 8: Volume of automated and paper clearing items, 1987-97*
Figure 9: Value of automated and paper clearing items, 1987-97*
Figure 10: Total number of debit cards in issue, by network, 1991-97
Figure 11: ATM and branch numbers, 1991-97
Figure 12: "Added value" standard current account offerings, December 1998
MARKET SIZE
Figure 13: Numbers of branches by MBBG parent providers with selected others, 1993-98
Figure 14: Numbers of branches for the "big four" retail banks, 1988 and 1998
Figure 15: Numbers of branches by selected providers, MBBG members, 1987-98
Figure 16: Numbers of ATMs by MBBG parent providers with selected others, 1987-98*
Figure 17: ATM numbers for the "big four", 1988-98
Figure 18: Branches and ATM numbers, including ATMs per branch, 1987-97*
Figure 19: Number of remotely located ATMs and percentage of remotely located ATMs of all ATMs for MBBG members, 1989-98
Figure 20: Percentage market share of current accounts, May 1999
Figure 21: Comparison of current account market share against branch market share for MBBG parent banks only, May 1999
CONSUMER RESEARCH
Figure 22: Ownership of banking products and services, either on a single or joint basis with a partner, by gender, age and socio-economic group, 1998
Figure 23: Current account ownership, by type of account, by gender, age and socio-economic group, 1998
Figure 24: Necessity and desirability of current accounts for current lifestyle, by gender, age and socio-economic group, December 1998
Figure 25: Facilities found most useful on a current account, by gender, December 1998
Figure 26: Facilities found most useful on a current account, by age, December 1998
Figure 28: Proportion of respondents finding most popular facility* useful on a current account and proportion prepared to pay a fee for the top 3 benefits, by gender, age and socio-economic group, December 1998
Figure 29: Respondents definitely or possibly prepared to pay a fee for current account benefits, by TV area, December 1998
Figure 30: Consumer changes of current account provider, by age, gender and socio-economic group, December 1998
Figure 31: Channel preferences to manage current account, by gender, December 1998
Figure 32: Channel preferences to manage current account, by age, December 1998
Figure 33: Channel preferences to manage current account, by socio-economic group, December 1998
CONCLUSIONS
THE FUTURE
FORECAST