Northern Irish personal banking

Final report, published 15.05.07

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Appendix 1.1 - Terms of reference and conduct of the 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
Appendix 4.13 - Pre-notification: current requirements, practices and future requirements
Glossary