Branch Closure Impact Analysis Southam Branch. February 2016
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1 Branch Closure Impact Analysis Southam Branch February 2016
2 Introduction This document provides a summary of the impact assessment for the closure of Southam 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 6.5k The average age is 42; higher than the English average of 39 19% of the population is retired; higher than the English average of 16% The level of unemployment is 2.8%; lower than the English average of 4.4% 15% of households do not have access to a car; below the English average of 26% b) Broadband Availability (Source: Standard broadband is available in the area with reported speeds of up to 38mbs Superfast broadband is available in the area with reported speeds of up to 76mbs c) Closing Branch Details Branch Name: Southam (404215) Region: Central Opening Hours: Mon-Fri 09:30-15:30 Announcement Date: 07 December 2015 Closure Date: 04 March 2016 at 15:30 Last Bank: No d) Merger Branch Details (Accounts will be managed by this branch. Account details will not change.) Branch Name: Royal Leamington Spa (402706) Distance: 7.5 miles Opening Hours: Mon/Wed/Thu/Fri/Sat Tue 09:00-17:00 09:30-17:00 Page: 1
3 2) Alternative Ways to Bank a) Alternative HSBC Branches Branch Name Opening Hours Distance Warwick (404525) Mon-Fri 09:30-15: miles Banbury (400902) Mon/Wed/Thu/Fri/Sat Tues 09:00-17:00 09:30-17: miles b) Parking Locations near Alternative Branches Royal Leamington Spa Rother Street (Surface) for 2hrs Warwick Castle Lane New Street 2 mins away 2.00 for 2hrs 2.00 for 2hrs Free disabled parking at both Banbury Castle Quay Shopping Centre 1.70 for 2hrs Castleside Bolton Road 1.60 for 2hrs c) Local Public Transport to Alternative Branches Transport Service Destination Frequency Time For Journey Bus Royal Leamington Spa 1 per day 40 minutes Bus Banbury Every 2 hours 32 minutes No direct transport to links Warwick 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. Page: 2
4 d) Alternative Banking Facilities i) Competitors Competitor Location Distance Opening hours Cash Machine Lloyds Southam 0.0 miles Mon/Tue/Thu/Fri 09:30-16:30 24hrs Coventry Building Society Southam 0.1 miles Mon/Tue/Thu/Fri Wed Sat 09:00-16:45 09:30-16:45 09:00-12:00 24hrs ii) Post Office Facilities All HSBC and first direct personal current account holders can use the Post Office for cash and cheque deposits, withdrawals and to check their account balance. From 22 February 2016, business customers with a business debit card will be able to carry out cash withdrawals and cash deposits and a current account balance check. The nearest Post Office is: Location Distance Opening Hours Cash Machine Coventry Street Southam 0.1 miles Mon-Sat 09:00-17:30 No iii) Fee-Free ATMs and PayPoint Locations (Source: These local stores have either cash machine, PayPoint or cashback services available. Store Location Distance Opening Hours Co-op Southam 0.2 miles Mon-Sun 07:00-22:00 Martins Southam 0.2 miles Mon/Tue/Thu/Fri Wed Sat Sun 05:30-18:00 05:30-19:00 06:00-19:00 06:30-13:00 Thanooj Food & Wine Southam 0.5 miles Mon-Sun 07:00-21:30 There are 9 ATM s within a 1 mile radius, of which 8 are fee free. As there is access to fee free cash in Southam, HSBC will not be installing an ATM following closure. Page: 3
5 3) Community Engagement HSBC has written to customers of Southam 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 the local MP, the Right Honourable Jeremy Wright QC 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 Southam Town Council and Southam Citizens Advice Bureau; providing contact details for customers to call should customer queries or concerns be brought to the attention of these organisations. Part of the analysis used to inform the decision to close this branch 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 Stratford-upon-Avon 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: 4
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