Market Research Reports, Inc. has announced the addition of “Insight Report: Will People Pay for Fee-based Banking?” research report to their offering. See more at- http://mrr.cm/446

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Category : Banking & Finance
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Introduction to Report
 Launch Date: December 25, 2014
 Number of Pages: 44
 Geography Coverage: Global
 Available Format: PDF
Price For Single User License: USD 3,800
Price For Site User License: USD 7,600
Price For Global User License: USD 11,400
Delivery Time: Within 24 Hours (During Working Days)

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About the Report
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.

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Key Highlights:
Despite a decline in overdraft revenue in major
economies such as the US and the UK since 2009,
overdraft continues to remain a major source of fee-based
revenue for banks. Banks have adopted several strategies
to maintain income from overdrafts.
This includes increasing fees on using overdraft facilities
and increased focus on marketing overdrafts as part of
current account offering.
Consumers have become increasingly value-driven and
are looking for benefits beyond standard products and
services. This has led to customers being less willing to
pay for services which they perceive as basic.

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Key Highlights Continues…
Diversification in terms of products and services is
expected, as banks increase their focus on non-interest
revenue to cushion pressure on interest revenue and
subsequently their total income.
The increased use of large scale data analytics is likely to
help banks identify emerging consumer needs and new
product opportunities to serve the market demand.
Following the latest global financial crisis, banks have cut
down on their fee-free offerings, including current
accounts and the associated services.

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Key Highlights Continues…
This trend has been driven by changing regulatory
landscape with regards to interchange fees, product fee
restrictions and various consumer protection laws, all
leading to increasing pressure on the profit margins of
financial institutions.
As profits from investment banking continue to remain
under pressure following 2009, transaction banking has
gained prominence as a key driver of revenue.
Income from transactions accounts for around 25% of
total revenue generated by banks across the world and
provides up to 60% returns on equity – making it a key
driver of non-interest income.

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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.

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Report Coverage
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
8. Appendix
For more details regarding Report coverage see the last slide
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Company Coverage (Partial List)
1. JPMorgan Chase
2. Citibank
3. Barclays
4. Societe Generale
5. Credit Agricole
6. BNP Paribas
7. U.S Bancorp
8. Commerzbank
9. Canadian Imperial Bank of Commerce
10. Commonwealth Bank of Australia
For more details regarding Report coverage see the last slide
All logos and Images mentioned on this slide belong to their respective owners.

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How To Buy This Report?
Visit following URL to see Table of Content and
purchase this publication:
http://mrr.cm/446
About Market Research Reports, Inc.
Market Research Reports provides a customized set
of reports from reputed Publishers, built on the
intelligence available within organizations and
leverages on our motto of “Intelligence Redefined”.
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