Individual Savings Accounts in the UK - Key Trends and Opportunities to 2018
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 Cash ISAs
3.1.2 Cash ISA Breakdown
3.1.3 Stocks and shares ISAs
3.1.4 Sight and time deposits
3.1.5 National Savings and Investments (NS&I)
3.1.6 ISAs by region
3.1.7 ISAs by income group
3.1.8 Junior ISAs
3.1.9 ISAs by age and gender
3.2 ISA Interest Rates
3.3 Market Outlook
3.3.1 Total Number of ISAs
3.3.2 Cash ISAs
3.3.3 Stocks and Shares ISAs
3.3.4 Interest Rates
4.1 Economic Backdrop
4.1.1 Labor market conditions
4.1.2 Disposable income
4.1.3 Inflation
4.1.4 Central bank rate
4.1.5 Energy bills
4.1.6 House prices
4.2 Saving Behavior
4.2.1 Savings ratio
4.2.2 Switching providers
4.2.3 Saving motivations
4.2.4 Sentiment towards banks
5 Competitive Landscape
5.1 Market Shares
5.2 ISA Interest Rates
6 Product Innovation
7.1 Recent Changes
7.1.1 Cash ISA allowance and NISA
7.1.2 Funding for Lending scheme
7.1.3 Financial Services Compensation Scheme
7.1.4 Capital Requirements Directive IV (CRD IV)
7.1.5 Financial Services (Banking Reform) Act 2013
7.2 Upcoming Regulations
7.2.1 Basel III
9 News
10 UK Retail Banks
10.1 Barclays Plc - Company Overview
10.1.1 Barclays Plc - profile
10.1.2 Barclays Plc - main savings products
10.1.3 Barclays Plc - main competitors
10.1.4 Barclays Plc - board of directors
10.2 HSBC Bank Plc - Company Overview
10.2.1 HSBC Bank Plc - profile
10.2.2 HSBC Bank Plc - main savings products
10.2.3 HSBC Bank Plc - main competitors
10.2.4 HSBC Bank Plc - board of directors
10.3 Lloyds Banking Group Plc - Company Overview
10.3.1 Lloyds Banking Group Plc - profile
10.3.2 Lloyds Banking Group Plc - main savings products
10.3.3 Lloyds Banking Group Plc - main competitors
10.3.4 Lloyds Banking Group Plc - board of directors
10.4 National Savings and Investments - Company Overview
10.4.1 National Savings and Investments - profile
10.4.2 National Savings and Investments - main savings products
10.4.3 National Savings and Investments - main competitors
10.4.4 National Savings and Investments - board of directors
10.5 Nationwide Building Society - Company Overview
10.5.1 Nationwide Building Society - profile
10.5.2 Nationwide Building Society - main savings products
10.5.3 Nationwide Building Society - main competitors
10.5.4 Nationwide Building Society - board of directors
10.6 Santander UK Plc - Company Overview
10.6.1 Santander UK Plc - profile
10.6.2 Santander UK Plc - main savings products
10.6.3 Santander UK Plc - main competitors
10.6.4 Santander UK Plc - board of directors
10.7 The Royal Bank of Scotland Group - Company Overview
10.7.1 The Royal Bank of Scotland Group Plc - profile
10.7.2 The Royal Bank of Scotland Group Plc - main savings products
10.7.3 The Royal Bank of Scotland Group Plc - main competitors
10.7.4 The Royal Bank of Scotland Group Plc - board of directors
11 Appendix
11.1 Methodology
11.2 Contact Timetric
11.3 About Timetric
11.4 Timetric's Services
11.5 Disclaimer
List of Tables
Table 1: Banking Industry Definitions
Table 2: The UK - ISA Subscription Limits, FY1999-2000 to FY2014-2015
Table 3: The UK - Cash ISA Market Summary, FY2009-2013
Table 4: The UK - ISA Market Competitor Interest Rates (%), FY2014-2015
Table 5: Recent and Upcoming Regulatory Changes, 2012-2018
Table 6: Barclays Plc, Key Facts
Table 7: Barclays Plc, Main Savings Products
Table 8: Barclays Plc, Board of Directors
Table 9: HSBC Bank Plc, Key Facts
Table 10: HSBC Bank Plc, Main Savings Products
Table 11: HSBC Bank Plc, Board of Directors
Table 12: Lloyds Banking Group Plc, Key Facts
Table 13: Lloyds Banking Group Plc, Main Products
Table 14: Lloyds Banking Group Plc, Board of Directors
Table 15: National Savings and Investments, Key Facts
Table 16: National Savings and Investments, Main Products
Table 17: National Savings and Investments, Board of Directors
Table 18: Nationwide Building Society, Key Facts
Table 19: Nationwide Building Society, Main Products
Table 20: Nationwide Building Society, Board of Directors
Table 21: Santander UK Plc, Key Facts
Table 22: Santander UK Plc, Main Products
Table 23: Santander UK Plc, Board of Directors
Table 24: The Royal Bank of Scotland Group Plc, Key Facts
Table 25: The Royal Bank of Scotland Group Plc, Main Products
Table 26: The Royal Bank of Scotland Plc, Board of Directors
List of Figures
Figure 1: The UK - Amount Subscribed to All ISAs (GBP Billion), FY2008-2014
Figure 2: The UK - Total Number of ISA Subscriptions, FY2008-2014
Figure 3: The UK - Balances Outstanding on Cash ISAs in the Household Sector, 2009-2014
Figure 4: The UK - Total Amount Subscribed to Cash ISAs, FY2008-2014
Figure 5: The UK - Total Number of Cash ISAs, FY2008-2014
Figure 6: The UK - Cash ISA Balances as a Share of Total Deposit Balances Outstanding (%), 1999-2013
Figure 6: The UK - Cash ISA Sector Breakdown
Figure 7: The UK - Number of Stocks and Shares ISAs, FY2008-2009 to FY2013-2014
Figure 8: The UK - Amount Subscribed to Stocks and Shares ISAs, FY2008-2009 to FY2013-2014
Figure 9: The UK - Average amount subscribed to Stocks and Shares and cash ISAs, FY2005-2014
Figure 10: The UK - Amount Subscribed to Stocks and Shares ISAs, 2008-2013
Figure 11: The UK - Sight and Time Deposits Balances Outstanding at Monetary and Financial Institutions (GBP Billion), 2008-2013
Figure 12: The UK - Interest-Bearing Time Deposit Balances Outstanding (GBP Billion), 2008-2013
Figure 13: The UK - Non-Interest-Bearing Sight Deposit Balances Outstanding, 2008-2014
Figure 14: The UK - Interest-Bearing Sight Deposit Balances Outstanding, 2008-2014
Figure 15: The UK - Balances Outstanding on Household Deposits at National Savings and Investments (GBP Billion), 2008-2014
Figure 16: The UK - Number of People Subscribed to ISAs by Region, FY2011-2012
Figure 17: The UK - Number of Individuals Subscribed to all ISAs by Income Group and Subscription Limits, FY2011-2012
Figure 18: The UK - Number of Individuals Subscribed to Stocks and Shares ISAs by Income Group and Subscription Limits, FY2011-2012
Figure 19: The UK - Junior ISA Breakdown, 2012-2013
Figure 20: The UK - Junior ISA Subscription Limits, FY2011-2015
Figure 21: The UK - Number of Male ISA Subscribers by Age, FY2010-2012
Figure 22: The UK - Number of Male ISA Subscribers by Age, FY2010-2012
Figure 23: The UK - Number of Female ISA Subscribers by Age, FY2010-2012
Figure 24: The UK - Average Saving Account Interest Rates (%), 2011-2014
Figure 26: The UK - Total Number of ISAs Forecast: FY2007-FY2018
Figure 27: The UK - Total Amount Subscribed to ISAs Forecast: FY2007-2018
Figure 28: The UK - Total Amount Subscribed to Cash ISAs Forecast: FY2007-2018
Figure 29: The UK - Total Amount Subscribed to Cash ISAs Forecast: FY2007-2018
Figure 30: The UK - Average Interest Rates on ISAs, Forecast: FY2011-2018
Figure 31: The UK - Unemployment and Redundancy Rates (%), 2008-2014
Figure 32: The UK - Average Weekly Earnings (GBP), 2004-2013
Figure 33: The UK - Household Disposable Income (GBP), 1997-2013
Figure 34: The UK - Consumer Price Inflation (%), 2009-2014
Figure 35: The UK - BoE Official Bank Rate (%), 2004-2014
Figure 36: The UK - Annual Gas and Electricity Bills, 2004-2013
Figure 37: The UK - House Prices, 2004-2013
Figure 38: The UK - Household Savings Ratio (%), 2004-2013
Figure 39: The UK - Bonus and Standard Savings Account Interest Rates (%), 2011-2013
Figure 40: The UK - Number of Complaints About Savings Products, 2006-2013
Figure 41: The UK - Retail Saving Institution Market Shares (%), 2013
Figure 42: The UK - Market Shares of the Leading Building Societies (%), 2008-2013
Figure 43: The UK - Banking Regulatory Framework
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