Table of Contents
- OVERVIEW
- Market Size
- Future growth indicators
- Key market players
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- This report focuses on non-mortgage consumer lending
- The data provided in this report is consistent with that provided in
Datamonitor' s suite of Western European consumer credit reports
- Structure of the report
- CHAPTER 2 MARKET CONTEXT
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Segmentation of liquid assets
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- Commercial banks
- Mutual and co-operative banks
- Municipal credit banks (Caisses de crédit municipal)
- There are only 20 Municipal Credit Banks in France
- The French banking structure is more complex than it seems
- The hybrid structure means that the differentiation between commercial
and mutual banks is blurring
- Finance houses are important players in the retail financial market
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending in France
- Consumer credit balances outstanding as a proportion of GDP
- Consumer credit balances outstanding per capita
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators
- Banque de France
- Commission Bancaire - CB
- The Credit Institutions and Investments Firms Committee (CECEI)
- The Banking and Financial Regulatory Committee (CRBF)
- Industry associations
- Groupement des Cartes Bancaires (CB)
- Association Française des etablissements de Crédit et des entreprises
d' investissements (AFECEI)
- Association Française des Sociétés Financières (ASF)
- Fédération Bancaire Française (FBF)
- Conseil National du Crédit et du Titre (advisory bodies)
- Comité consultatif
- L' Union Fédérale de Consommateurs
- Credit bureaux
- Regulatory issues in the market
- The 1984 Banking Act subjected all banks to the same rules
- There is no sub-prime market in France
- A number of legislative changes have been made in recent years that
affect the consumer credit market
- The European consumer credit directive will only have a small impact
on the French market
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Consumer credit market shares by institution
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Cetelem
- The private label card market is Cetelem' s core market in France
- Cetelem is also a major player in the point of sale motor finance
market
- Unsecured personal loans are also important
- Société Générale
- Crédit Agricole
- Banque Populaire
- Caisse d' Epargne
- Top five credit card lenders
- Market share by balances outstanding
- Mergers and acquisition activity in the French banking market
- Crédit Agricole take over Crédit Lyonnais
- Mutual and co-operative banks have consolidated themselves in recent
years
- However, it is thought that the French banking market is fully
consolidated
- Entries and exits
- La Banque Postale was created on 1 January 2006
- Egg withdraw from the French market shortly after entry
- Product analysis
- Typical product characteristics
- Product innovation
- Distribution
- One quarter of consumers bank online
- Meanwhile, other banking channels have remained popular
- CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN FRANCE
- Forecasting gross advances
- Gross advances in the French consumer credit market will reach €206.6
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 5 APPENDIX
- Supplementary data
- Definitions
- Forecasting methodology
- Research methodology
- Relevant readings
- Datamonitor' s custom research capabilities
- SPP writing team
- How to contact experts in your industry
- List of Tables
- Table 1: Consumer credit gross advances and balances outstanding in
France, 2001-2005e
- Table 2: GDP per capita for selected European countries, 2005
- Table 3: GINI Coefficient for selected European countries
- Table 4: Segmentation of liquid assets, 2004
- Table 5: Examples of finance houses, 2005
- Table 6: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 7: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 8: APR of Cofidis personal loans, May 2006
- Table 9: Forecast of consumer credit gross advances in the French
market, 2005e-2010f
- Table 10: Rate of growth of GDP in France, 2001-2005
- Table 11: GDP at current rates for major European countries , 2001-2005
- Table 12: Inflation in France, 2001-2005
- Table 13: Population by age band for Western European countries, 2005
- Table 14: Consumer credit gross advances in France, 2001-2005e
- Table 15: Consumer credit balances outstanding in France, 2001-2005e
- Table 16: Consumer credit as a proportion of total retail lending in
France, 2001-2005e
- Table 17: Market shares by consumer credit gross advances of products
in France, 2004
- Table 18: Market shares by consumer credit balances outstanding of
products in France, 2004
- Table 19: Market share of total consumer credit balances outstanding
for the top five French consumer credit providers, 2004
- Table 20: Market shares of credit card balances outstanding of the top
five French credit card providers, 2004
- List of Figures
- Figure 1: Gross advances in the French consumer credit market will
grow at a CAGR of 7.0 per cent to reach €206.6 billion in 2010, 2001-2010f
- Figure 2: Cetelem are the leading consumer credit provider in France,
2004
- Figure 3: Key statistics for the French consumer credit market, 2005
- Figure 4: The French economy is the third largest in Europe, 2005
- Figure 5: France has enjoyed a period of positive economic growth,
2001 to 2005
- Figure 6: The French economy is dominated by the services sector,
while the agriculture sector accounts for just 2.2 per cent of economic
output, 2005
- Figure 7: French inflation has been kept at or below two per cent per
annum in recent years, 2000-2006
- Figure 8: France has a relatively high proportion of its population
under 15 years of age in comparison to its peers, 2005
- Figure 9: The three pillars of the French retail banking system
- Figure 10: Consumer credit gross advances in France have been rising
steadily, 2001-2005e
- Figure 11: Consumer credit balances outstanding have grown slowly in
France, 2001-2005e
- Figure 12: Growth in the mortgage market has reduced its share of the
market, 2001-2005
- Figure 13: Retail finance is the major consumer credit product in
terms of gross advances in France, 2004
- Figure 14: In terms of balances outstanding, personal loans are the
major consumer credit product in France, 2004
- Figure 15: Regulatory overview of France, 2005
- Figure 16: Consumer credit in France is split almost evenly between
banks and other providers, 2004
- Figure 17: Cetelem is the leading consumer credit provider in France,
2004
- Figure 18: Caisse d' Epargne is the leading credit card lender in
France, 2004
- Figure 19: Main merger and acquisition activities in the French
market, 1996-2005
- Figure 20: Gross advances in the French consumer credit market will
grow at a CAGR of 7.0 per cent to reach €206.6 billion in 2010, 2001-2010f
- Figure 21: Datamonitor' s core consulting capabilities
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