Table of Contents
- ABOUT DATAMONITOR
- OVERVIEW
- Market Size
- Future Growth Indicators
- Key issues
- Key market players
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- Structure of report
- CHAPTER 2 MARKET CONTEXT
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets in The Nordics
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing policies in the Nordics
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- The banking structure in each Nordic country is verysimilar
- The structure of the Swedish banking market
- Mortgage market structure
- Major types of player
- Funding
- Distribution
- Regulatory environment
- Regulatory environment in Denmark
- Industry regulators
- Industry associations
- Other noteworthy associations
- Regulatory environment in Finland
- Industry regulators
- Industry associations
- Regulatory environment in Norway
- Industry regulators
- Industry associations
- Other noteworhy associations
- Regulatory environment in Sweden
- Industry regulators
- Industry associations
- Other noteworthy associations
- Credit bureaux
- Repossession and rules of law
- Regulatory issues in the market
- The birth of an integrated European mortgage market isstill far
away, yet lenders are concerned over potential developments
- The Nordics are well prepared for the implementation ofBasel II
- National mortgage related regulations
- Key issues
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Nordea Bank
- Nordea's mortgage products in Sweden
- Danske Bank
- DnB NOR
- Handelsbanken
- Handelsbanken conducts its mortgage business in Swedenthrough
Stadshypotek
- FöreningsSparbanken
- Competitor developments
- The consolidation process in the Nordic banking market
- There have been few new entrants to the market in recentyears
- Product analysis
- Typical product characteristics
- Typical product characteristics in Denmark
- Typical product characteristics in Finland
- Typical product characteristics in Norway
- Typical product characteristics in Sweden
- Product innovation
- CHAPTER 4 FORECASTING THE MORTGAGE MARKET IN THE NORDICS
- Forecasting gross advances
- Datamonitor forecasts a continual rise in the Nordicmortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 5 APPENDIX
- Supplementary data
- Tables relating to Chapter: Market context
- Tables relating to Chapter: Competitor and productoverview
- Definitions
- Balances outstanding
- CAGR
- Fixed rate mortgage
- Flexible mortgage
- Gross advances
- Loan-to-value (LTV)
- Mortgage intermediary
- Remortgaging
- Self-certification mortgage
- Tied agent
- Unemployment rate
- Variable mortgage
- Research methodology
- Relevant readings
- UK Mortgage Market Map
- Key Features
- For futher information
- Reports
- Briefings
- Future readings
- European mortgage reports:
- Other reports
- Datamonitor's custom research capabilities
- Retail Banking Team contact details
- How to contact experts in your industry
- List of Tables
- Table 1: Mortgage gross advances and balancesoutstanding in The Nordics,
2001-2005
- Table 2: Ranking of selected European countries byGDP, 2004
- Table 3: GDP per capita of selected Europeancountries, 2004
- Table 4: Composition of Nordic countries GDP bysector, 2004
- Table 5: Inflation in selected European countries,2004
- Table 6: GINI Coefficient of selected Europeancountries, 2003
- Table 7: Population distribution according to agegroup in the Nordic
region. 2004
- Table 8: Labor statistics in the Nordics, 2004
- Table 9: Dwelling stock in the Nordics, 2000-2004
- Table 10: Tenure market share in the Nordics
- Table 11: Mortgage balances outstanding as aproportion of GDP in
selected European countries, 2004
- Table 12: Forecast of mortgage gross advances in theNordics, 2004-2010f
- Table 13: GDP growth in the Nordics, 2001-2004
- Table 14: Segmentation of liquid assets in Nordicregion, 2004
- Table 15: Labor statistics in the Nordics, 2000-2004
- Table 16: House price growth in the Nordics, 2000-2004
- Table 17: Residential mortgage balances outstanding inthe Nordics,
2001-2005
- Table 18: Residential mortgage net lending in theNordics, 2001-2005e
- Table 19: Residential mortgage gross advances in theNordics, 2001-2005e
- Table 20: Market share of top five competitors in theNordics in terms of
balances outstanding, 2004
- List of Figures
- Figure 1: Mortgage gross advances in the Nordics arepredicted to
continue to rise rapidly, 2001-2010f
- Figure 2: Danske Bank has the largest market share ofthe residential
mortgage market in the Nordics, 2004
- Figure 3: A snapshot of the Nordic's key statistics,2004
- Figure 4: Between 2003 and 2004 all of the Nordiccountries saw increased
growth of their economies, 2001 - 2004
- Figure 5: Sweden has the highest level of liquidassets in the Nordic
region, 2004
- Figure 6: Unemployment in the Nordics has been risingin recent years,
however, 2004 saw a fall, 2000-2004
- Figure 7: Increases in house prices in the Nordicshave been fluctuating
in recent years, 2000-2004
- Figure 8: Residential mortgage outstanding balanceshave been rising
steadily in recent years, 2001-2005e
- Figure 9: On the whole net lending has increased from2001-2005e
- Figure 10: Residential mortgage advances have beenrising in the Nordics,
2001-2005
- Figure 11: The four pillars of Nordic Banking, 2006
- Figure 12: Regulatory overview of Denmark, 2004
- Figure 13: Regulatory overview of Finland, 2004
- Figure 14: Regulatory overview of Norway, 2004
- Figure 15: Regulatory overview of Sweden, 2004
- Figure 16: Danske Bank has the largest market share ofthe residential
mortgage market in the Nordics, 2004
- Figure 17: Mergers and acquisitions of banks by thetop five residential
mortgage providers in the Nordics, 1997-2005
- Figure 18: Mortgage gross advances in the Nordics arepredicted to
continue to rise rapidly, 2001-2010
- Figure 19: SWOT analysis of the Nordic mortgagemarket, 2006
- Figure 20: The UK Mortgage Market Map covers a widerange of mortgage
sectors
- Figure 21: Mortgage sectors covered within the UKMortgage Market Map
- Figure 22 Datamonitor's core consulting capabilities
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