The UK Retail Banking Market Outlook

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16 that secured personal loans have only significantly taken off in terms of new business since 2001/2002, mirroring the spectacular rises in house prices in the UK. Their growth has also been influenced by a number of other factors, including increased competition, relative competitiveness of secured loans, growth of sub-prime sector (many secured loan providers have aimed for the non-standard or sub-prime customer segment and the growth of this segment in recent years has resulted in a greater competitive presence from secured loans) and growth in debt consolidation loans.

At Halifax, these include current and savings accounts, Web Saver savings management, credit cards, foreign exchange ordering, Holiday Money, and share dealing through Halifax 31 TLFeBOOK Share Dealing. The Bank of Scotland offers personal Internet banking and business Internet banking, encompassing a similar range of account access and manipulation options. Strengths Diverse products with effective access: extensive product offering and multiple distribution channels offer a combination of excellent growth prospects, through providing customer choice in terms of both product offerings and company access abilities.

In the first six months of fiscal 2003, 600,000 new bank accounts were established and 500,000 new credit card accounts. These increases allowed the company to expand at the expense of its competitors. Another period of extraordinary growth has seen HBOS retail mortgage brands achieve a 25% market share. The company's five mortgage brands; Halifax; Bank of Scotland; the Mortgage Business; Birmingham Midshires and Intelligent Finance are a key strategic advantage in a competitive marketplace. This allows the group to trade effectively through all channels across the complete range of mortgage segments; new business launches: during fiscal 2002, the group launched HBOS Treasury Services, which combined the treasury businesses of Halifax and the Bank of Scotland.

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