As the global financial crises recedes farther into the past and bank credit ratings converge, banks that had been exploiting their advantage in funding rates to win business in the retail structured products market are seeing that advantage wither. In the year ahead, business will increasingly be won or lost not based credit ratings and funding costs, but on the strengths of banks product and service quality.The U.S. retail structured product market is dominated by three banks: J.P. Morgan, which is the leader in overall footprint with a market penetration score of 74%, and HSBC and Barclays, which are tied at 6667%.A newly assertive Socit Gnrale has led the resurgence of the French banks in Europes retail structured products market. Socit Gnrale has positioned itself as the clear leader with a market penetration score of 49%.Download this Greenwich Leaders report to view the full list of Greenwich Share and Quality Leaders. MethodologyBetween April and June 2013, Greenwich Associates conducted interviews with 73 distributors of retail structured products in the United States and 140 in Europe to better understand product demand, distributor preferences and the competitive landscape. Respondents were asked to name the firms they used for retail structured products and to rate those providers in a series of product and service quality categories.