achieving income growth in a consumer regulated environment - may 2016

www.thinkbrg.com Achieving Income Growth in a Consumer Regulated Environment

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www.thinkbrg.com

Achieving Income Growth in a Consumer Regulated Environment

www.thinkbrg.com

Agenda

US Mortgage Market

US & EU Market Fundamentals

Multiple Stakeholders

Behavioral Based Regulation

Changing the Industry Paradigm

Looking to the Future

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US Mortgage Market

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US Property Appreciation

Page 5: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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US Single-Family Originations

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US Homeownership Rates

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US Housing Growth Forecasts

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US & EU Market Fundamentals

Page 9: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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US & European Mortgage Markets

Page 10: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Primary Funding Models Differ

USA Securitization

Europe Covered Bonds

UK & Ireland Balance Sheet

Page 11: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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High Levels of Innovation

Page 12: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Excessive Price-led Competition

Page 13: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Net Lending Growth a Key Challenge

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Multiple Stakeholders

Page 15: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Driving Retail P&L

Page 16: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Biggest Commitment for Consumers

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Key Issue for Governments

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Imposing Customer Safeguards

Page 19: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Balancing Competing Interests

Page 20: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Behavioral Based Regulation

Page 21: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Exploiting Customers?

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Information Asymmetry?

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Sales Bias?

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Products Designed for Customers?

Page 25: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Making Money Fairly?

Page 26: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Changing the Industry Paradigm

Page 27: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Econometrics and Observation

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Customer Needs & Preferences

Page 29: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Pricing Analytics

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Similar Customers Priced Equally

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Looking to the Future

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Are Lenders Hands Tied?

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Embrace Change

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New Customer Centric Paradigm

Page 35: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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Seek Independent Verification

Page 36: Achieving Income Growth in a Consumer Regulated Environment - May 2016

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David Ashbier Tony [email protected] [email protected]

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