Insight Report: Will People Pay for Fee-based Banking?

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Insight Report: Will People Pay

for Fee-based

Banking?

Category : Banking & Finance

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Introduction to Report

Launch Date: December 25, 2014

Number of Pages: 44

Geography Coverage: Global

Available Format: PDF

Price For Single User License: USD 3,800

Price For Site User License: USD 7,600

Price For Global User License: USD 11,400

Delivery Time: Within 24 Hours (During Working Days)



About the Report

The report provides insights into the fee-based income of banks:

It offers a global snapshot of current market dynamics of fee- and commission-based income for banks, and the future outlook.

It explores the question of whether customers are paying for current/checking accounts.

It provides insights into the impact of regulations on banks’ ability to generate fee income.

It captures trends into banks' revenue structures in key markets.

It explores the importance of overdrafts and transaction banking as drivers of banking revenue.



Key Highlights:

Despite a decline in overdraft revenue in major economies such as the US and the UK since 2009, overdraft continues to remain a major source of fee-based revenue for banks. Banks have adopted several strategies to maintain income from overdrafts.

This includes increasing fees on using overdraft facilities and increased focus on marketing overdrafts as part of current account offering.

Consumers have become increasingly value-driven and are looking for benefits beyond standard products and services. This has led to customers being less willing to pay for services which they perceive as basic.



Key Highlights Continues…

Diversification in terms of products and services is expected, as banks increase their focus on non-interest revenue to cushion pressure on interest revenue and subsequently their total income.

The increased use of large scale data analytics is likely to help banks identify emerging consumer needs and new product opportunities to serve the market demand.

Following the latest global financial crisis, banks have cut down on their fee-free offerings, including current accounts and the associated services.



Key Highlights Continues…

This trend has been driven by changing regulatory landscape with regards to interchange fees, product fee restrictions and various consumer protection laws, all leading to increasing pressure on the profit margins of financial institutions.

As profits from investment banking continue to remain under pressure following 2009, transaction banking has gained prominence as a key driver of revenue.

Income from transactions accounts for around 25% of total revenue generated by banks across the world and provides up to 60% returns on equity – making it a key driver of non-interest income.



Scope

This report covers trends in bank revenue in key markets since the subprime crisis.

It covers country- and bank-level information on banks' interest and non-interest income.

It captures trends, challenges and drivers behind the dynamics of fee-based income for banks.

It covers key components of fee-based revenue, including transaction banking, overdrafts, cards and payments and fee income generated from current/checking accounts.



Report Coverage

1. Executive Summary2. Bank Revenues since the Financial Crisis3. Interest Income vs. Non-interest Income4. Do Consumers Pay for Current Accounts?5. Is Overdraft Still the Main Profitability Driver for

Banks?6. Transaction Income as a Driver of the Banking

Revenue7. The Impact of Regulation on Fee-based Banking8. Appendix

For more details regarding Report coverage see the last slide




Company Coverage (Partial List)

1. JPMorgan Chase2. Citibank3. Barclays4. Societe Generale 5. Credit Agricole6. BNP Paribas7. U.S Bancorp8. Commerzbank9. Canadian Imperial Bank of Commerce10. Commonwealth Bank of Australia

For more details regarding Report coverage see the last slide




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Insight Report: Will People Pay for Fee-based Banking?

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Transcript of Insight Report: Will People Pay for Fee-based Banking?