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市場調查報告書

消費者會支付以手續費為基礎的銀行業務的費用嗎?

Insight Report: Will People Pay for Fee-based Banking?

出版商 Timetric 商品編碼 321629
出版日期 內容資訊 英文 44 Pages
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消費者會支付以手續費為基礎的銀行業務的費用嗎? Insight Report: Will People Pay for Fee-based Banking?
出版日期: 2014年12月25日 內容資訊: 英文 44 Pages
簡介

消費者確實有喜好免手續費的銀行服務的傾向,不過,根據各調查結果,消費者也考慮購買支付手續費,而附加價值和便利性高的商品。其中,包含無利息、全額補償的緊急基金,及自動帳款扣除,返還期限放寬,投資服務,高利率商品,金融卡等。傳統上,銀行從透支和卡片年會費,ATM利用費用,卡片交換,貸款處理手續費,跨國交易,貿易與資本服務,資產與信託管理服務等獲得手續費。可是,隨著法規環境和競爭情形的變化,預計各行將重新評估商品組合和費用策略,構築依賴手續費的收益體制。各行已經推進行動付款和P2P(個人間)付款,國際匯款,優先服務等新商品、服務的開發。

本報告提供全球各國的銀行近幾年變得顯著起來的,手續費為基礎的銀行業務的實際狀態與未來展望相關分析,目前銀行的收益結構與手續費收益佔的佔有率,在國家、銀行層級的收益結構,近幾年手續費為基礎的銀行業務經營趨勢和課題,傳統主要的銀行商品──透支、各種交易業務──和手續費收益趨勢等資訊彙整,為您概述為以下內容。

第1章 摘要整理

第2章 全球金融危機之後的銀行收益額

第3章 利息所得 vs. 非利息所得

第4章 消費者會會為了活期存款支出嗎?

第5章 透支現在對銀行來說,也是主要的收益推動因素嗎?

第6章 銀行的收益推動因素的交易收益

第7章 法規對手續費為基礎的銀行業務的影響

  • 對透支和其他銀行商品的法規
  • 交換費及加盟店手續費(Merchant Fees)
  • 卡發行數量

第8章 附錄

圖表一覽

目錄
Product Code: VR1063MR

The reliance of banks on fees and commissions increased following the latest financial crisis in both developed and emerging economies. Due to a weak demand for borrowing and low interest rates, banks have increased their focus on non-interest revenue. The proportion of fees and commission income in the total banking revenue however, varies according to country. The rising or decreasing proportion of fee income reflects the difference in consumers' preferences in different countries, the inherited pricing structure imposed by the banks and the country's economic cycle.

Although, consumers have strong preference for free basic banking services, evidence from different consumer surveys suggest that consumers are willing to pay for products that add value and convenience to basic banking services. Customers are willing to pay for interest-free emergency funds, automatic direct debits, increased grace periods on due payments, investment services and premium reward-associated accounts and cards.

Traditionally banks have generated their fees and commissions from overdrafts, unarranged overdraft fees, annual fees on accounts and cards, automatic teller machine (ATM) fees, interchange fees, loan processing, cross-border transactions, trade and capital market services and wealth and trust management services.

However, changing regulatory dynamics and the competitive landscape have forced banks to realign their product portfolio and pricing strategies to generate more fee-based income over the next five years. Banks have begun to increasingly focus on launching new products and services that provide alternative sources of fee income. This includes mobile payment solutions that allow convenient person-to-person (P2P) payments, international remittances and expedited payment services.

Summary

The report provides insights into the fee-based income of banks:

  • It offers a global snapshot of current market dynamics of fee- and commission-based income for banks, and the future outlook.
  • It explores the question of whether customers are paying for current/checking accounts.
  • It provides insights into the impact of regulations on banks' ability to generate fee income.
  • It captures trends into banks' revenue structures in key markets.
  • It explores the importance of overdrafts and transaction banking as drivers of banking revenue.

Scope

  • This report covers trends in bank revenue in key markets since the subprime crisis.
  • It covers country- and bank-level information on banks' interest and non-interest income.
  • It captures trends, challenges and drivers behind the dynamics of fee-based income for banks.
  • It covers key components of fee-based revenue, including transaction banking, overdrafts, cards and payments and fee income generated from current/checking accounts.

Reasons To Buy

  • Gain insights into potential products and services that generate fee-based income.
  • Develop an understanding of whether a traditional approach can still generate sustainable fee income.
  • Gain insights into the current and future sector dynamics of fee-based income.
  • Understand emerging trends in banking regulations.

Table of Contents

1. Executive Summary

2. Bank Revenues since the Financial Crisis

3. Interest Income vs. Non-interest Income

4. Do Consumers Pay for Current Accounts?

5. Is Overdraft Still the Main Profitability Driver for Banks?

6. Transaction Income as a Driver of the Banking Revenue

7. The Impact of Regulation on Fee-based Banking

  • 7.1. Regulation in Regards to Overdrafts and Other Banking Products
  • 7.2. Interchange and Merchant Fees
  • 7.3. Card issuance

8. Appendix

  • 8.1. Methodology
  • 8.2. Contact Timetric
  • 8.3. About Timetric
  • 8.4. Timetric's Services
  • 8.5. Disclaimer

List of Tables

  • Table 1: Developed Economies - Commission and Fees on Advisory Services, 2014
  • Table 2: Developed Economies - Premium Cards, 2014
  • Table 3: Emerging Economies - Credit Cards, 2014
  • Table 4: Emerging Economies - Banks Offering Gold Coins and Bars, 2014
  • Table 5: Fees and Charges Associated with Bank Accounts, 2014
  • Table 6: Emerging Economies - Accounts With Low Banking Charges, 2014
  • Table 7: Emerging Economies - Packaged Current Accounts, 2014
  • Table 8: Developed Economies - Current Accounts, 2014
  • Table 9: Emerging Economies - Current Account Overdraft Charges, 2014
  • Table 10: Average Banking Fee on Remittances, Q3 20014
  • Table 11: Card Transaction Income as Percentage Of Non-Interest Income, 2013
  • Table 12: Impact of Regulation on Banks' Fee-Based Incomes
  • Table 13: UAE - Fees and Commissions on Personal Accounts, 2011
  • Table 14: UAE - Fees and Commissions on Debit Cards, 2011

List of Figures

  • Figure 1: Banks in Developed Economies - Net Income After Tax (US$ Billion), 2009-2013
  • Figure 2: Banks in Emerging Economies - Net Income After Tax (US$ Billion), 2009-2013
  • Figure 3: Market Dynamics - Current Developments and Future Outlook
  • Figure 4: Proportion of Non-interest Income as Percentage of Total Income (%), 2008 and 2012
  • Figure 5: Interest vs Non-Interest Income of US Banks (US$ Billion), 2009 and 2013
  • Figure 6: Interest vs Non-Interest Income of European Banks (US$ Billion), 2009 and 2013
  • Figure 7: Interest vs Non-Interest Income of Key Banks Elsewhere (US$ Billion), 2009 and 2013
  • Figure 8: Proportion of Paid and Free Checking Accounts in the US (%), 2009-2013
  • Figure 9: Corporate Banking Transaction Revenues, 2012
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