An Introduction to Retail Banking in the UK

Speaker:   |  CPD Hours: 6.0

Price £595 plus VAT

New dates coming soon.


This intensive one-day programme will be conducted along workshop principles, with formal lectures, case studies & interactive worked examples. Each learning point will be reinforced with practical exercises.

After the course delegates will be able to:

  • describe different types of bank and their business models
  • discuss the evolution and structure of the UK retail banking market
  • evaluate key performance measures for banks and compare the main players
  • explain the impact and legacy of the 2007/08 financial crisis
  • discuss key products and services, including the revolution taking place in payment systems; and current account switching
  • outline risk management, balance sheet management and the regulatory framework today
  • discuss the impact of coming reforms to the banking market including ring fencing


Banks and the banking market

  • Evolution of the UK banking market
  • Impact and legacy of the credit crunch
  • Market segmentation and channels
  • Change driven by the ‘challenger’ banks
  • Structure of the market today, current trends and issues
  • Different types of bank and business model
  • Key performance measures: net interest margin, cost/income ratio

Products and services

  • Payment services
  • Current accounts and the switching issue
  • Consumer credit
  • Deposit taking
  • Mortgage lending
  • Commercial lending

Financial and risk management

  • Asset/liability management and role of the Treasury
  • Risk management: credit, operational, liquidity, interest rates
  • Key performance measures: leverage, capital ratios, loans/deposits

Bank regulation

  • UK and international regulatory framework
  • Prudential and conduct regulation: Bank, PRA and FCA
  • Capital adequacy and the Basel rules
  • Banking reform including ring fencing


This course is designed for client-facing staff who need to understand the UK retail banking market. The course will explore the business models, strategies, regulation, terminology, products and services using real life examples.

No previous knowledge is required.

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