TABLE OF CONTENT
Report scope and product definitions
The market will continue to grow, albeit steadily
Figure 1: Forecast of retail savings balances, at current prices – fan chart, 2007-17
Size of the saver population
Poor savings environment acts as a disincentive to save
Low confidence and low returns
Companies, brands and innovation
Largest providers of savings accounts
Figure 2: Providers’ share of total retail savings balances, shown on a group basis – UK, 2012
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The Funding for Lending Scheme has so far been detrimental to savers. It has made banks less reliant on depositors’ money to fund borrowing, removing the incentive to offer really competitive savings rates.
Some questions answered in this report include:
- Is competition increasing the savings market?
- What types of savings accounts are consumers favouring?
- How frequently are they saving?
- Do consumers trust savings providers to look after their money?
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