Northern Irish personal banking

Provisional findings report

Published: 20.10.06

Provisional findings report

Appendices

Appendix 1.1 Terms of reference and conduct of investigation
Appendix 2.1 Regulatory environment
Appendix 2.2 Banking Code
Appendix 2.3 Payment systems
Appendix 2.4 PCAs in Northern Ireland and comparisons to Great Britain
Appendix 4.1 Market shares in personal banking
Appendix 4.2 Switching process
Appendix 4.3 Searching and switching
Appendix 4.4 Trends in charges and interest rates
Appendix 4.5 Competition for customer group
Appendix 4.6 Unauthorised overdrafts
Appendix 4.7 Authorized and unauthorized overdraft scenarios
Appendix 4.8 Analysis of new products
Appendix 4.9 Analysis of non-price competition
Appendix 4.10 Financial performance
Appendix 4.11 Cost Allocation and return on capital
Appendix 4.12 Efficiencies

Glossary