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Retail Banking

There’s no doubt that these are difficult times for the UK banking sector, but battening down the hatches isn’t going to be an adequate response to either the credit crunch or the reputational battering to which it has given rise. At the same time, previously existing challenges haven’t disappeared - offshoring, the rise of private equity competitors, the cost-reduction imperative and the future of the branch network in the UK and overseas continue to ask questions of banks’ leaders.

Our Retail Banking team provides a range of services tailored to the needs of retail banks and building societies; from audit and tax advice, regulatory counsel and fraud investigation to business transformation focusing on strategy, operations, human capital, enterprise applications, outsourcing and technology integration. With strong relationships with many of the UK’s leading as well as newly emerging banks and building societies, our technical expertise is informed by a deep understanding of sector issues and the evolving environment in which organisations are operating.

Bricks and clicks

Retail Banking research and insight

  • Generation why? Attracting the bankers of the future
    The Deloitte Talent in Banking Survey 2013, produced in collaboration with Universum, explores intentions, aspirations and associations in relation to banking and careers, based on a global survey of over 100,000 business students from 1,350 universities.
  • 2014 Financial Services M&A Predictions
    This report provides insight into the anticipated trends that are expected to drive M&A activity in the year ahead, and looks at nine areas in particular of M&A activity across Financial Services.
  • Culture in banking – Under the microscope
    Much of the banking sector’s current focus is on standards, values and culture, and senior figures within the industry have acknowledged the need for change. Deloitte UK has interviewed 41 senior bankers at financial institutions around the world to understand their views on this topic. Please note: this report has been written for the benefit of senior banking executives and access to the report is on request.

Retail Banking issues and trends

  • Independent Commission on Banking
    In its final report, published on 12 September 2011, the Independent Commission on Banking proposed radical changes to the way banks authorised in the UK structure themselves and manage their Retail Banking activities.
  • Basel
    The new bank capital and liquidity standards issued by the Basel Committee on Banking Supervision are nearly finalised. Basel III is designed to make the banking system more resilient to shocks by strengthening regulation, supervision, risk management and transparency.
  • Living Wills
    Regulation regarding recovery and resolution plans for banks is currently considered by many national and international regulators.
  • International financial reporting standards (IFRS)
    There is still much to do regarding embedding IFRS as a suite of new accounting rules is under consideration by IASB, whose current agenda includes many projects impacting financial services organisations.

 View all issues

Financial Services useful links

  • Meet the Financial Services team
  • In the press
  • Submit a request for proposal
  • Contact us


  • Going up?
    The impact of impairment proposals on regulatory capital
  • SentsCheck
    Analysing social sentiment

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