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In addition to its retail services, Barclays engages more broadly in investment banking, wealth management, and investment management. The institution serves more than 24 million customers and clients across personal, wealth, and business units in over 40 countries.

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Its headquarters are currently in Edinburgh, United Kingdom. The Royal Bank of Scotland provides a vast array of services to customers and clients. A taste of these includes savings, currency, fixed term and notice accounts; support with cash management ; the extension of loans personal, auto, debt consolidation, home improvement, small business, fixed and variable rate mortgage, and agricultural loans ; and services as diverse as import and export, structured and asset, and invoice finance.

Founded in Birmingham in , Lloyds subsequently expanded via acquiring many smaller financial institutions in the nineteenth and twentieth centuries. In Lloyds and the Trustee Savings Bank merged. Lloyds is both a retail and commercial bank with branches in England and Wales. One of the largest international financial institutions in the world, HSBC in aggregate consists of 7, offices in over 80 countries and territories worldwide. Holding more deposits than loans, many consider HSBC to be less risky than other major banks.

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HSBC was able to fund its operations and generally maintain its share price throughout the credit crunch. While the high street banks serve a range of customers across a variety of demographics, niche banks will usually target a specific market or type of customer. Dividend Stocks. Interest Rates. Company Profiles. Investopedia uses cookies to provide you with a great user experience. By using Investopedia, you accept our.


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Your Money. In some of the worst affected centres, they plunged by 40 to 60 per cent in just three months. The UK may be the worst affected country, but it is not alone. In Europe, vacancy rates are rising across the retail sector, according to the Royal Institution of Chartered Surveyors. Brands including Tommy Hilfiger, Ralph Lauren and Gap have shut flagship branches there in the past 18 months.

In the UK, small shopping centres have been particularly badly hit. The centre itself might hoist a similar sign: its turbulent history has mirrored the swings of the retail property market in recent decades. Some retailers are even building rent cuts into their business plans: the UK clothing group Next says its rents may need to fall by half in the long term to keep pace with the steady decline in sales from high street stores.

The Vancouver Quarter is among about smaller regional shopping centres owned by private equity groups that are battling to survive. Many are in breach of debt covenants, and agents in the sector expect dozens of fire sales. But there is little appetite among buyers, with transaction volumes for UK shopping centres at record lows.


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Landlords with larger, more upmarket regional shopping centres such as Hammerson, which owns the Bullring, have long argued that this will protect them from the downturn. While they have avoided the dramatic plunges in rents and values hitting smaller shopping centres, investors are still sceptical.

Hammerson is trading at a 60 per cent discount to the book value of its assets, according to Jefferies; the figure for its rival Intu is 70 per cent. Elsewhere, market sentiment is less extreme, but still negative: US mall reits are trading at an average discount of 20 per cent and continental European retail landlords at a 16 per cent discount, according to Green Street Advisors.

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Analysts also say that Morphe and other digital-first brands such as mattress company Casper, spectacles group Warby Parker and UK furniture brand Loaf offer a clue to the future of retail: all are opening physical stores. Hammerson is fighting back on several fronts.

While selling off parts of its portfolio, it also plans to build co-working spaces, hotels and rented homes alongside retail at some of its sites. But it maintains that renting out space for shops remains its core business. Still, he acknowledges that the role of the landlord has fundamentally changed. How have high streets and shopping malls changed where you live? Let us know in the comments below.

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Get alerts on Global property when a new story is published. Ten years after the subprime mortgage crisis sparked the financial crash, global real estate markets are showing signs of a slowdown. In this series, the FT examines how cheap money stoked a property boom — and whether we are on the verge of another crash. Cookies on FT Sites We use cookies for a number of reasons, such as keeping FT Sites reliable and secure, personalising content and ads, providing social media features and to analyse how our Sites are used.

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