AArkstore enterprise 11th October 2014
Unsecured Loans to Business in the UK - Key Trends and Opportunities up to 2018 Browse Full Report @
http://www.aarkstore.com/financial-services/50201/Unsecured-Loans-toBusiness-in-the-UK-Key-Trends-and-Opportunities-up-to-2018 Published: Sep 2014 | No. Of Pages: 76 Pages PDF: $2795 | Site Licence : $5590 | Enterprise Wide Licence: $8385
Synopsis This Unsecured Loans to Business in the UK - Key Trends and Opportunities up to 2018 report provides market analysis, information and insights into the UK lending to business industry It provides a breakdown of the different forms of lending to business in the UK It analyses drivers and the outlook for the market It provides information on the main banks in the UK market It covers news and regulatory developments
Summary The lending to business industry is beginning to stabilize following the recession. The lending to business industry in the UK has recorded little signs of growth since 2011, but has somewhat stabilized since the financial crisis. Net lending to non-financial businesses declined by GBP109.5 billion from 2008 to 2009, while lending to Private Non-Financial Corporations (PNFCs) declined by just under 35% (in terms of annual change) between the start of both 2008 and 2010, which emphasizes the impact of the crisis.
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AArkstore enterprise The affordability of business loans has declined since 2009, when the Bank of England reduced interest rates to a record low of 0.5%. This has contributed to a sharp rise in repayments, as companies have been keen to pay off as much debt as possible before the rates rise anticipated to be early 2015.
The government has made several attempts to reinvigorate business lending over the last couple of years, however, its projects have all missed their targets. The flagship Funding for Lending scheme declined short of its GBP80 billion target by GBP20 billion in 2012, while Project Merlin was GBP1.1 billion shy.
The rising of the emergency 0.5% bank rate is set to make attaining credit more expensive for banks and subsequently businesses. With banks already wary of lending to smaller businesses this may result in a decline in loan approvals, while businesses themselves are likely to be deterred by the prospect of more expensive loans.
Commercial retail estate lending is the largest market within the lending to business industry and was one of the main drivers of the UKs 2008 financial crisis. Lending declined by just over GBP6.0 billion (in terms of net lending flows) from the beginning of 2007 to the end of 2009, falling considerably more than any other market. The industry is dominated by mainstream banks, with Royal Bank of Scotland, Lloyds, Barclay, HSBC and Santander controlling over 80% of the market. Regulations and high costs mean it is a difficult industry to enter, a situation that is unlikely to change in the immediate future.
Scope This report provides market analysis, information and insights into the UK lending to business industry It provides a breakdown of the different forms of lending to business in the UK It analyses drivers and the outlook for the market It provides information on the main banks in the UK market
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AArkstore enterprise It covers News and regulatory developments
Reasons To Buy Gain an understanding of the UK lending to business industry
Key Highlights The lending to business industry in the UK has recorded little signs of growth since 2011, but has somewhat stabilized since the financial crisis. The affordability of business loans has declined since 2009, when the Bank of England reduced interest rates to a record low of 0.5%. This has contributed to a sharp rise in repayments, as companies have been keen to pay off as much debt as possible before the rates rise anticipated to be early 2015.
Tables Of Contents 1 Executive Summary 2 2 Introduction 8 2.1 What is this Report About? 8 2.2 Definitions 8 2.3 Methodology 9 3 Market Analysis 11 3.1 Market Background 11 3.2 Market Size 13 3.2.1 Stock of lending 13 3.2.2 New term lending 15
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AArkstore enterprise 3.2.3 Net lending 17 3.2.4 Lending to business by sector 26 3.3 Loans by type 29 3.3.1 Overdrafts 29 3.3.2 Syndicated lending 31 3.4 Market drivers 33 3.4.1 Interest rates 33 3.4.2 Cash deposits 36 3.5 Cost and Availability of Credit 38 3.6 Market Outlook 41 4 Economic Backdrop 42 4.1 Real GDP growth 42 4.2 Labor Market Conditions 43 4.3 Housing Market 45 4.4 Disposable Income 48 4.5 Interest Rates 49 5 Competitive Landscape 50 5.1 Market Shares 50 6 Porters Five Forces Analysis 51 6.1 Bargaining Power of Suppliers: Medium 51 6.2 Bargaining Power of Buyers: Low 52 6.3 Barriers to Entry: Medium to High 52
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AArkstore enterprise 6.4 Intensity of Rivalry: Low to Medium 52 6.5 Threat of Substitution: Low to Medium 52 7 Regulation and Policy 53 7.1 Regulators 54 7.1.1 Prudential Regulation Authority (PRA) 54 7.1.2 Financial Conduct Authority (FCA) 54 7.1.3 Monetary Policy Committee (MPC) 54 7.1.4 Treasury Committee 54 7.1.5 Competition and Markets Authority (CMA) 54 7.2 Recent Changes 55 7.2.1 Funding for lending scheme 55 7.2.2 Quantitative easing 55 7.2.3 Project Merlin 56 7.2.4 British Business Bank Investment Program 56 7.2.5 Banking Reform Act 2013 57 7.2.6 RBS SME Independent Review 57 7.2.7 2014 Budget announcement 58 7.2.8 Queens speech 2014 58 7.2.9 Lending To Business SWOT Analysis 59 7.3 Upcoming Regulations 59 7.3.1 Basel III 59 8 Deals 60
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AArkstore enterprise 9 News 61 10 UK Retail Banks 63 10.1 Barclays PLC Company Overview 63 10.1.1 Barclays PLC profile 63 10.1.2 Barclays PLC main competitors 63 10.1.3 Barclays PLC board of directors 64 10.2 HSBC Bank PLC Company Overview 65 10.2.1 HSBC Bank PLC profile 65 10.2.2 HSBC Bank PLC main competitors 65 10.2.3 HSBC Bank PLC board of directors 66 10.3 Lloyds Banking Group PLC Company Overview 67 10.3.1 Lloyds Banking Group PLC profile 67 10.3.2 Lloyds Banking Group PLC main competitors 67 10.3.3 Lloyds Banking Group PLC board of directors 68 10.4 Santander UK PLC Company Overview 68 10.5 Santander UK PLC profile 68 10.5.1 Santander UK PLC main competitors 69 10.5.2 Santander UK PLC board of directors 69 10.6 The Royal Bank of Scotland Group Company Overview 70 10.6.1 The Royal Bank of Scotland Group PLC profile 70 10.6.2 The Royal Bank of Scotland Group PLC main competitors 70 10.6.3 The Royal Bank of Scotland Group PLC board of directors 71
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AArkstore enterprise 11 Statistics 72 11.1 Review Period: 20092013 72 11.2 Forecast Period: 20142018 73 12 Appendix 74 12.1 Methodology 74 12.2 Contact Timetric 74 12.3 About Timetric 74 12.4 Timetrics Services 75 12.5 Disclaimer 76
List Of Tables Table 1: Lending to Business Definitions 8 Table 2: UK Annual New Term Lending to Small Businesses Growth Rates Forecast 23 Table 3: UK Annual New Term Lending to Medium-sized Businesses Growth Rates Forecast 24 Table 4: UK Annual New Term Lending to Large Businesses Growth Rates Forecast 25 Table 5: The UK Lending to Business MarketSWOT Analysis 59 Table 6: Barclays PLC, Key Facts 63 Table 7: Barclays PLC, Board of Directors 64 Table 8: HSBC Bank PLC, Key Facts 65 Table 9: HSBC Bank PLC, Board of Directors 66 Table 10: Lloyds Banking Group PLC, Key Facts 67 Table 11: Lloyds Banking Group PLC, Board of Directors 68
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AArkstore enterprise Table 12: Santander UK PLC, Key Facts 68 Table 13: Santander UK PLC, Board of Directors 69 Table 14: The Royal Bank of Scotland Group PLC, Key Facts 70 Table 15: The Royal Bank of Scotland PLC, Board of Directors 71 Table 16: The UK Lending to Business Market (GBP Billion), 20092013 72 Table 17: The UK Lending to Business Market (GBP Billion), 20142018 73
List Of Figures Figure 1: Make up of UK Private Sector Businesses (Volume of Employees/GBP Billion), 2013 11 Figure 2: UKs Share of Enterprises in the Private Sector (%), 2013 12 Figure 3: UK SME Outstanding Loan Stock (GBP Million), 20112014 13 Figure 4: UK SME Outstanding Loan Stock, Annualized Growth Rates (%), 20072011 14 Figure 5: UK Outstanding Loans and Reverse Repos to Large Businesses From MFIs (GBP Million), 20112014 14 Figure 6: New Lending to Small Businesses (GBP Million), 20092013 15 Figure 7: UK New Lending to Small Businesses (GDP Million), 20082014 16 Figure 8: UK New Lending to Medium Businesses (GDP Million), 20112014 16 Figure 9: UK New lending to Large Business (GDP Million), 20112014 17 Figure 10: UK Net lending to UK business (GBP Billion), 20112014 18 Figure 11: UK Net Lending to UK Non-Financial Business (GBP Billion), 20042013 19 Figure 12: UK SME Gross Lending and Repayments Per Working Day (GDP Million), 20082009 19 Figure 13: UK Gross Lending and Repayments to SMEs (GBP Million), 20112014 20
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AArkstore enterprise Figure 14: UK Quarterly Gross Lending and Repayments to SMEs (GDP Billion), 20112014 20 Figure 15: UK Gross Lending and Repayments to Large Businesses (GBP Million), 20112014 21 Figure 16: UK Quarterly Gross Lending and Repayments to Large Businesses (GBP Billion), 20112014 22 Figure 17: UK Annual New Term Lending to Small Businesses Forecast 23 Figure 18: UK Annual New Term Lending to Medium-Sized Businesses Forecast 24 Figure 19: UK Annual New Term Lending to Large Businesses Forecast 25 Figure 20: UK Net Lending Flows to Business Sectors in the UK (GBP Billion), 20072009 26 Figure 21: UK Lending to Commercial Real Estate Small Businesses (GBP Million), 20112014 27 Figure 22: UK Lending to Commercial Real Estate Medium Businesses (GBP Million), 20112014 28 Figure 23: UK Growth in The Stock of Lending to The Real Estate Sector by UK MFIs (%), 20002009 28 Figure 24: UK Value of Overdrafts Outstanding Small and Medium Businesses (GBP Million), 20112014 29 Figure 25: UK Changes in Value of Overdrafts Outstanding to Small and Medium Businesses (GBP Million), 20112014 30 Figure 26: UK Value of Overdrafts Outstanding, Large Businesses (GBP Million), 20112014 30 Figure 27: UK Changes in Value of Overdrafts Outstanding to Large Businesses (GBP Million), 20112014 31 Figure 28: UK Estimates of New Syndicated Lending Facilities Granted to UK Businesses (GBP Billion), 20092014 32 Figure 29: UK Average Lending to Business Interest Rate (%), 20042014 33 Figure 30: UK Bank of England Official Bank Rate (%), 20042014 34 Figure 31: UK CPI Inflation Index (%), 20082014 36 Figure 32: UK Cash Deposits Held by Small Businesses (GBP Million), 20112014 37 Figure 33: UK Cash Deposits Held by Medium Businesses (GBP Million), 20112014 37 Figure 34: UK Availability of Credit to Small Businesses (Percentage Points), 20092014 38
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AArkstore enterprise Figure 35: UK Availability of Credit to Medium Businesses (Percentage Points), 20092014 39 Figure 36: UK Availability of Credit to Large Businesses (Percentage Points), 20092014 40 Figure 37: UK Real GDP Growth (%), 20082018 42 Figure 38: UK Unemployment and Redundancy Rates (%), 20042012 43 Figure 39: UK Average Weekly Earnings (GBP), 20042013 44 Figure 40: UK Housing Construction Growth (%), 20042013 45 Figure 41: UK Household Disposable Income (GBP), 19972013 46 Figure 42: UK Average House Prices by Type of Buyer (GBP), 20042013 47 Figure 43: UK Annual House Price-to-Earnings Ratio (%), 20042013 47 Figure 44: UK Household Disposable Income (GBP), 19972013 48 Figure 45: UK Bank of England Rate (%), 20042014 49 Figure 46: UK Gross Lending to SMEs, Market Shares of The Five-Largest Business Lenders (%), 2013 50 Figure 47: UK Lending to Business Market Five Forces Analysis, 2014 51 Figure 48: UK Banking Regulatory Framework, 2014 53
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