Branch Closure Impact Analysis Kirkham Branch. October 2015
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1 Branch Closure Impact Analysis Branch October 2015
2 Introduction This document provides a summary of the impact assessment for the closure of branch based on internal analysis and local community engagement. HSBC supports the industry wide Access to Banking Protocol (ABP) introduced by the British Banking Association (BBA) in May ) Background Information a) Local Information (Source: Office for National Statistics The population is circa 7k The average age of 43; above England s average of 39 16% of households are occupied by married/civil partnership couples with no children 15% of households are occupied by married/civil partnership couples with dependent children 14% of households are one person households where the occupant is aged 65 years and over Levels of unemployment are 2%; lower than the national average of 4.4% b) Broadband availability (source A range of standard & fibre optic broadband services is available c) Closing Branch Details Branch Name: (402619) Region: North Opening Hours: Mon-Fri 09:30-15:30 Announcement Date: 10 August 2015 Closure Date: 6 November 2015 at 14:30 Last Bank: No d) Merger Branch Details (Accounts will be managed by this branch. Account details will not change.) Branch Name: Blackpool, Oxford Square (401213) Distance: 7.0 miles Opening Hours: Mon/Wed/Thurs/Fri Tues Sat 09:00-17:00 09:30-17:00 09:00-14:00 Page: 1
3 2) Alternative Ways to Bank a) Alternative HSBC Branches Branch Name Opening Hours Distance Lytham St Annes (403037) Mon-Fri 09:30-15: miles (403725) Mon/Wed/Fri/Sat Tues Thurs 09:00-17:00 09:30-17:00 09:00-18: miles (404002) Mon-Fri Sat 09:30-16:30 09:00-14: miles b) Parking Locations near Alternative Branches Lytham St Annes Station Square 4 mins away 1.40 for 2hrs Haven Road 14 mins away Free Blackpool, Oxford Square Asda 14 mins away Free with purchase St Wilfrids Street 2 mins away 2.20 for 2hrs St Georges Shopping Centre 3 mins away 2 for 2hrs Station 3 mins away 2 for 2hrs St Annes Road West 5 mins away 2.10 for 2hrs Page: 2
4 c) Local Public Transport to Alternative Branches Transport Service Destination Frequency Time For Journey Bus Lytham St Annes 2-3 per hour mins Train Lytham St Annes 1 per day 15 mins Bus Blackpool, Oxford Square Every 30 mins 20 mins Bus 1-2 per hour 15 mins Train 2-3 per hour 15 mins Bus 2 per hour mins Train 1 per day 20 mins You can also carry out most day-to-day banking transactions by calling HSBC customer service specialists on Alternatively you can manage your account using the HSBC Online Banking service or the HSBC Mobile Banking App available on iphone, ipad, ipod touch, Android TM and BlackBerry 10 devices. If you d like more information on alternative ways to access your account(s) or to register for telephone and/or Online Banking, visit the HSBC website at hsbc.co.uk/waystobank or any HSBC branch. d) Alternative Banking Facilities i) Competitors Competitor Location Distance Opening hours Cash Machine Barclays 0.0 miles Mon/Tues/Fri 10:00-15:30 No Santander 0.0 miles Mon/Tues/Thurs/Fri Wed Sat 09:00-17:00 10:00-17:00 09:00-12:00 24hrs RBS 0.0 miles Mon/Tues/Thurs/Fri Wed 09:15-16:45 09:45-16:45 24hrs Lloyds 0.0 miles Mon/Tues/Thurs Wed Fri 09:30-16:30 10:00-16:30 09:30-17:00 During opening hours Page: 3
5 ii) Post Office Facilities All HSBC and first direct personal current account holders can use the Post Office for cash deposits, withdrawals, to deposit cheques and to check their account balance. The nearest Post Office is: Market Square 0.1 miles Mon-Sun 07:00-22:00 iii) Fee-Free ATMs and PayPoint Locations The cash machine is available during opening hours iii) Fee-Free ATMs and PayPoint Locations (Source: These local stores have a cash machine, PayPoint and cashback services available. Store Location Distance Opening Hours Morrisons 0.1 miles Mon-Sat Sun 07:00-21:00 10:00-16:00 Co-op 0.1 miles Mon-Sun 07:00-22:00 There are 11 ATM within a 1 mile radius, of which 9 are fee-free. An ATM will not be left following closure as there is access to fee free and 24 hour ATMs in the area. Page: 4
6 3) Community Engagement HSBC has written to customers of branch to advise of the decision to close and to offer support and training on alternative channels if required. One-to-one appointments are offered to provide customers with advice and practical solutions; including training on telephone and Online Banking where appropriate. In line with the Access to Banking Protocol HSBC provides 12 weeks notice of the closure to allow time for customers to consider their options. HSBC relationship managers are also proactively contacting their customers to advise of the closure and to answer any questions. Local HSBC business managers have discussed the closure and the options available with their customers. Branch employees continue to be available to talk through the many alternative ways of banking which are open to HSBC customers. HSBC branch employees have met, and will continue to meet with, vulnerable customers who may have problems accessing alternative banking facilities. HSBC contacted Mark Menzies MP to advise of the closure and offered to meet to explain the reasons for closure and to discuss how HSBC is supporting its customers. HSBC contacted the Citizens Advice Bureau, St Michael s Church and Town Council regarding the closure; providing contact details for customers to call should queries be brought to the attention of these organisations. As part of the analysis used to inform our decision to close this branch we considered: The number of personal and small business branch users affected The age profile of branch users (i.e. both older and younger users) The number of vulnerable and other branch users who are more dependent on their branch than others (including but not limited to customers that are disabled, elderly, digitally excluded and/ or lower income customers) An analysis of potential future service users The availability of alternative ways to bank for customers who live locally or travel to use this branch is considered suitable. For further information please contact Blackpool, Oxford Square branch on Braille, Large Print and Audio copies of this document can be provided upon request. All information provided was correct at the time of publication. Page: 5
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