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Strategic Review of Retail Banking Business Models ...

Strategic Review of Retail Banking Business ModelsProgress reportJune 20182 Progress report Financial Conduct AuthorityStrategic Review of Retail Banking Business ModelsContents1 Summary 32 Introduction 133 Funding costs in Retail Banking 174 Other benefits of transactional Banking : fees and charges and cross-selling 285 Distributional analysis and who pays for PCAs 366 The role of branches 427 Mortgages 46 Annex 1 List of participating firms 50 Annex 2 Views of stakeholders 51 Annex 3 Data and methodology distributional analysis and who pays for PCAs 53returns you to the contents listHow to navigate this document onscreen3 Progress reportChapter 1 Financial Conduct AuthorityStrategic Review of Retail Banking Business Models1 SummaryConcentration in Retail Banking was stable and high for many years and has increased following the financial crisis.

2 Progress report Financial onduct uthority Strategic Review of Retail Banking Business Models Contents 1 Summary 3 2 Introduction 13 3 Funding costs in retail banking 17

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