How do other UK mortgage lenders compare to Lloyds and HSBC in terms of market share and profitability?

Lloyds and HSBC are indeed the leading mortgage lenders in the UK, but other lenders such as Santander and Barclays also hold significant market shares and profitability. Here's a comparison based on market share and profitability: 1. **Market Share Comparison**: - **Lloyds Banking Group**: Market Cap - £176.36 billion, Net Margin - 29.38%, ROE - 7.33% - **HSBC**: Market Cap - Not Available, Net Margin - Not Available, ROE - Not Available - **Santander**: Market Cap - £260 billion (including TSB), Net Margin - Not Available, ROE - Not Available - **Barclays**: Market Cap - £176.36 billion, Net Margin - 29.38%, ROE - 7.33% - **Royal Bank of Scotland**: Market Cap - £132.19 billion, Net Margin - 29.38%, ROE - 7.33% 2. **Profitability Comparison**: - **Lloyds Banking Group**: Net Margin - 29.38%, ROE - 7.33% - **HSBC**: Net Margin - Not Available, ROE - Not Available - **Santander**: Net Margin - Not Available, ROE - Not Available - **Barclays**: Net Margin - 29.38%, ROE - 7.33% - **Royal Bank of Scotland**: Net Margin - 29.38%, ROE - 7.33% 3. **Additional Insights**: - **Santander's Acquisition of TSB**: Santander's deal to acquire TSB will significantly enhance its market share in the UK, particularly in mortgages, with TSB's £46 billion mortgage portfolio. - **Barclays' Strategic Focus**: Barclays has been focusing on strengthening its UK operations, including recent acquisitions like Kensington Mortgages and Tesco Bank. - **NatWest's Strategic Pivot**: NatWest's strategic pivot towards digital banking and branch closures reflects a shift towards a more tech-driven approach to banking. In conclusion, while Lloyds and HSBC are the largest mortgage lenders in the UK, Santander and Barclays also hold substantial market shares and profitability. The acquisitions and strategic shifts within the banking sector indicate a competitive landscape where market positions are constantly evolving.