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Personal Current Account Banking Services in Northern Ireland market investigation

Date of referral: 26.05.05 Statutory deadline: 25.05.07

Final report and Appendices & Glossary

Date published: 15.05.07

Final report
Final report (PDF, 847 Kb)

Appendices & Glossary
(The numbering of the appendices indicates the chapters to which they relate.)
Appendix 1.1: Terms of reference and conduct of the investigation (PDF, 103 Kb)
Appendix 2.1: Regulatory environment (PDF, 172 Kb)
Appendix 2.2: The Banking Code (PDF, 146 Kb)
Appendix 2.3: Payment systems (PDF, 255 Kb)
Appendix 2.4: PCAs in Northern Ireland and comparisons to Great Britain (PDF, 224 Kb)
Appendix 4.1: Market shares in personal banking (PDF, 100 Kb)
Appendix 4.2: Switching process (PDF, 159 Kb)
Appendix 4.3: Searching and switching (PDF, 261 Kb)
Appendix 4.4: Trends in charges and interest rates (PDF, 221 Kb)
Appendix 4.5: Competition for customer group (PDF, 107 Kb)
Appendix 4.6: Unauthorised overdrafts (PDF, 278 Kb)
Appendix 4.7: Authorized and unauthorized overdraft scenarios (PDF, 243 Kb)
Appendix 4.8: Analysis of new products (PDF, 152 Kb)
Appendix 4.9: Analysis of non-price competition (PDF, 136 Kb)
Appendix 4.10: Financial performance (PDF, 467 Kb)
Appendix 4.11: Cost allocation and return on capital (PDF, 190 Kb)
Appendix 4.12: Efficiencies (PDF, 200 Kb)
Appendix 4.13: Pre-notification: current requirements, practices and future requirements (PDF, 106 Kb)
Glossary (PDF, 354 Kb)