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by the following authors: 'Andrew Gall'

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The building society difference

Article,
Contact:
andrew gall,
Last updated:
07 March 2017


Role in local communities

Article,
Contact:
andrew gall,
Last updated:
24 March 2017

  All building societies have their headquarters outside the city of London , and are deeply involved in the regional economies where they are based. The important role that building societies play in their local economies in terms of employment, investment and community i...

The Individual's Savings Decision

Article,
Contact:
andrew gall,
Last updated:
19 March 2007

The BSA commissioned research to examine what causes people in seemingly similar situations to come to different savings decision. “I can’t afford to” is a phrase often used when people are asked why they don’t save; but why do some people save more and others save les...

BSA responds to Government's consultations on banking reform and the future of building societies

Industry response,
Contact:
andrew gall,
Last updated:
18 September 2012

The Government White Paper 'Banking Reform: delivering stability and supporting a sustainable economy' , published on 14 June 2012,set out the Government’s detailed proposals for implementing the recommendations of the Independent Commission on Banking (ICB), to fundament...

Leverage Ratio Review - Interim Report

Industry response,
Contact:
andrew gall,
Last updated:
09 September 2014

Download a PDF version FPC LEVERAGE RATIO REVIEW   RESPONSE FROM THE BUILDING SOCIETIES ASSOCIATION   The Building Societies Association (BSA) is pleased to respond to the Financial Policy Committee’s review of the leverage ratio. The BSA represents all ...

National Infrastructure Commission

Industry response,
Contact:
andrew gall,
Last updated:
08 January 2016

The BSA's submission to the National Infrastructure Commission's call for evidence, focusing on the importance of investment in supporting infrastructure to overcome objections to new housebuilding developments. View the submission here .

Parliamentary Commission on Banking Standards

Industry response,
Contact:
andrew gall,
Last updated:
21 September 2012

The BSA submitted a formal response to the Parliamentary Commission on Banking Standards in response to its call for evidence at the end of July. The Commission was set up in the wake of a series of scandals to hit the banking sector (including the fixing of the LIBOR ra...

IPPR Commission on Economic Justice

Industry response,
Contact:
andrew gall,
Last updated:
25 September 2017

The BSA made a short submission to the IPPR Commission on Economic Justice's work on supporting a plurality of business models, including mutuals. Read the submission here .

Conduct

Article,
Contact:
andrew gall,
Last updated:
27 February 2018

Fines levied by the Financial Conduct Authority for misconduct have been disproportionately on high street banks and other financial services firms, with very few levied on building societies. From 2010 to 2017, building societies have accounted for just 0.2% of all fines. ...

Supporting homebuyers through the recovery

Article,
Contact:
andrew gall,
Last updated:
24 February 2018

Looking at mortgage lending activity over the last 15 years shows the dramatic reduction in mortgage lending across the market in 2008/9, but also that over the last few years building societies have been much quicker than other lenders to increase their net mortgage lending...

Building society savers £775 million better off in 2017

Newsbite,
Contact:
andrew gall,
Last updated:
28 March 2018

People saving with building societies earned £775 million in additional interest on their savings last year than if they had earned the average interest rates paid by large Monetary Financial Institutions, a group mainly comprising the big banks. The BSA collated interest ...

Customer service

Article,
Contact:
andrew gall,
Last updated:
26 February 2018

Independent research shows that building societies consistently outscore banks on various measures of customer service . Some of the main results are summarised in these charts, showing that customers of building societies think more highly of their provider than do custome...

Retail Banking Business Model Review

Industry response,
Contact:
andrew gall,
Last updated:
07 September 2018

Building societies compete with retail banks, particularly in the retail savings and mortgage markets, where societies are required by legislation to focus, but also in some cases in personal current accounts. We believe that building societies provide a competitive constrain...

Better interest rates

Article,
Contact:
andrew gall,
Last updated:
26 July 2018

The low interest rate environment that has prevailed since 2009 has been challenging to all financial institutions. However, independent bodies that monitor interest rates across the market have recenlty highlighted the generally superior rates on offer at building societies...

Stability

Article,
Contact:
andrew gall,
Last updated:
24 June 2018

Building societies have tended to have lower but more stable levels of profitability than the major UK banking groups , reflecting both their focus on offering members better rates and also the lower risk profile of building societies’ business. Building societies also a...