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The ability of the retail banks to attract funds from their personal customers was seen to be under threat, and they have responded in a number of ways:
- Instead of offering just the one type of savings account, the 7-day deposit account, a range of savings accounts with competitive interest rates are now offered with, often, improved access to the funds by the customer.
- Improved current account facilities, in the form of interest-bearing current accounts, free banking subject to certain (more generous) criteria, facilities such as automatic overdrafts, and the provision of debit cards.
- Improved the access to current account funds, by means of automated teller machines, longer opening hours and home banking facilities.
- Expanded advertising and marketing to increase customer awareness and to improve the image of the retail banks.
- Purchases of building societies by some banks: Lloyds bought Cheltenham & Gloucester; Abbey National bought National & Provincial and the Bank of Ireland intends to buy Bristol & West.
- Merger - in the autumn of 1996, Lloyds Bank announced its purchase of TSB Bank and they intend to merge the two businesses in perhaps 1998; meanwhile the separate branch networks continue.
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