Retail Lending in the United Kingdom

June 2025 | 46 pages | ID: R1E86256AA08EN
MarketLine

Abstracts

Summary

Retail Lending in the United Kingdom industry profile provides top-line qualitative and quantitative summary information including: market size (value 2019-24, and forecast to 2029). The profile also contains descriptions of the leading players including key financial metrics and analysis of competitive pressures within the market.
Key Highlights

• Retail lending market covers mortgage and consumer credit. The market value reflects residential mortgage and personal loan balances outstanding at the end of the year.
• The UK retail lending market recorded balances outstanding of $2,309.4 billion in 2024, representing a compound annual growth rate (CAGR) of 2.4% between 2019-24.
• The mortgage credit segment accounted for the market's largest proportion in 2024, with total balances outstanding of $2,103.0 billion, equivalent to 91.1% of the market's overall value.
• The moderate growth of the UK retail lending market during 2019-24 can be attributed to economic recovery, evolving consumer behavior, and monetary policy shifts.

Scope

• Save time carrying out entry-level research by identifying the size, growth, major segments, and leading players in the retail lending market in the United Kingdom
• Use the Five Forces analysis to determine the competitive intensity and therefore attractiveness of the retail lending market in the United Kingdom
• Leading company profiles reveal details of key retail lending market players’ global operations and financial performance
• Add weight to presentations and pitches by understanding the future growth prospects of the United Kingdom retail lending market with five year forecasts

Reasons to Buy

• What was the size of the United Kingdom retail lending market by value in 2024?
• What will be the size of the United Kingdom retail lending market in 2029?
• What factors are affecting the strength of competition in the United Kingdom retail lending market?
• How has the market performed over the last five years?
• What are the main segments that make up the United Kingdom's retail lending market?

Contents

1 EXECUTIVE SUMMARY

1.1. Market value
1.2. Market value forecast
1.3. Category segmentation
1.4. Geography segmentation
1.5. Market rivalry
1.6. Competitive landscape

2 MARKET OVERVIEW

2.1. Market definition
2.2. Market analysis

3 MARKET DATA

3.1. Market value

4 MARKET SEGMENTATION

4.1. Category segmentation
4.2. Geography segmentation

5 MARKET OUTLOOK

5.1. Market value forecast

6 FIVE FORCES ANALYSIS

6.1. Summary
6.2. Buyer power
6.3. Supplier power
6.4. New entrants
6.5. Threat of substitutes
6.6. Degree of rivalry

7 COMPETITIVE LANDSCAPE

7.1. Who are the key market players?
7.2. What strategies do the key market players follow?
7.3. What are the recent developments in the market?

8 COMPANY PROFILES

8.1. HSBC Holdings Plc
8.2. Lloyds Banking Group Plc
8.3. Barclays Plc
8.4. NatWest Group Plc

9 MACROECONOMIC INDICATORS

9.1. Country data

10 APPENDIX

10.1. Methodology
10.2. Industry associations
10.3. Related MarketLine research
10.4. About MarketLine

List Of Tables

LIST OF TABLES

Table 1: United Kingdom retail lending market value: $ billion, 2019-24
Table 2: United Kingdom retail lending market category segmentation: % share, by value, 2019-24
Table 3: United Kingdom retail lending market category segmentation: $ billion, 2019-24
Table 4: United Kingdom retail lending market geography segmentation: $ billion, 2024
Table 5: United Kingdom retail lending market value forecast: $ billion, 2024-29
Table 6: HSBC Holdings Plc: Key Facts
Table 7: HSBC Holdings Plc: Annual Financial Ratios
Table 8: HSBC Holdings Plc: Key Employees
Table 9: HSBC Holdings Plc: Key Employees Continued
Table 10: Lloyds Banking Group Plc: Key Facts
Table 11: Lloyds Banking Group Plc: Annual Financial Ratios
Table 12: Lloyds Banking Group Plc: Key Employees
Table 13: Lloyds Banking Group Plc: Key Employees Continued
Table 14: Barclays Plc: Key Facts
Table 15: Barclays Plc: Annual Financial Ratios
Table 16: Barclays Plc: Key Employees
Table 17: Barclays Plc: Key Employees Continued
Table 18: Barclays Plc: Key Employees Continued
Table 19: NatWest Group Plc: Key Facts
Table 20: NatWest Group Plc: Annual Financial Ratios
Table 21: NatWest Group Plc: Key Employees
Table 22: United Kingdom Size of Population (Million), 2020-24
Table 23: United Kingdom Real GDP (Constant 2010 Prices, $ Billion), 2020-24
Table 24: United Kingdom GDP (Current Prices, $ Billion), 2020-24
Table 25: United Kingdom Inflation, 2020-24
Table 26: United Kingdom Consumer Price Index (Absolute), 2020-24
Table 27: United Kingdom Exchange Rate, 2019-24

List Of Figures

LIST OF FIGURES

Figure 1: United Kingdom retail lending market value: $ billion, 2019-24
Figure 2: United Kingdom retail lending market category segmentation: $ billion, 2019-24
Figure 3: United Kingdom retail lending market geography segmentation: % share, by value, 2024
Figure 4: United Kingdom retail lending market value forecast: $ billion, 2024-29
Figure 5: Forces driving competition in the retail lending market in the United Kingdom, 2024
Figure 6: Drivers of buyer power in the retail lending market in the United Kingdom, 2024
Figure 7: Drivers of supplier power in the retail lending market in the United Kingdom, 2024
Figure 8: Factors influencing the likelihood of new entrants in the retail lending market in the United Kingdom, 2024
Figure 9: Factors influencing the threat of substitutes in the retail lending market in the United Kingdom, 2024
Figure 10: Drivers of degree of rivalry in the retail lending market in the United Kingdom, 2024