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Review of Banking Services in the UK

The final report was published in 20 March 2000, concluding the work of the review. 

A printed version of the report is available to buy from the Stationery Office ('Competition in UK Banking: A Report to the Chancellor of the Exchequer').

The report is available below in Adobe Acrobat Portable Document Format (PDF). If you do not have Adobe Acrobat installed on your computer you can download the software free of charge from the Adobe website.

For alternative ways to read PDF documents and further information on website accessibility visit the HM Treasury accessibility page.

Competition in UK Banking: A Report to the Chancellor of the Exchequer

Media links

• Executive Summary (PDF 128KB)
• Title Page (PDF 34KB)
• Chart List (PDF 46KB)
• Foreword (PDF 57KB)
• Contents Page (PDF 34KB)
• Chapter 1: Prologue (PDF 82KB)
• Chapter 2: The New Policy Framework (PDF 272KB)
• Chapter 3: Money Transmission (PDF 466KB)
• Chapter 4: Banking Services for Personal Retail (PDF 286KB)
• Chapter 5: Banking Services and External Finance for SME's (PDF 274KB)
• Chapter 6: Market Failure in the Provision of Equity to SME's (PDF 169KB)
• Chapter 7: The Provision of a Basic Banking Service (PDF 92KB)

Annex

Media links

• Annex A: Terms of Reference (PDF 53KB)
• Annex B: Special Economic Features of Banks (PDF 132KB)
• Annex C: Measuring Profitability in UK Banking Markets (PDF 205KB)
• Annex D1: Risks in High Value Payment Schemes (PDF 77Kb)
• Annex D2: Merchant Acquiring (PDF 169KB)
• Annex D3: Interchange Fees for Credit and Debit Cards (PDF 273KB)
• Annex D4: Charging and Access to ATM Networks (PDF 483KB)
• Annex E: International Comparisons (PDF 327KB)
• Annex F: Competition and Regulation in Financial Services - Striking the Right Balance (PDF 161KB)
• Glossary (PDF 37KB)

Don Cruickshank's presentation to bankers and the Press Notice about the final report are available to download below.

Media links

• Don Cruickshank's Presentation to the Banking Industry and Analysts (PDF 1.6MB)
• Press Release: Review of the Banking Services in the UK (PDF 399KB)

Review of Banking Services in the UK

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