Table of Contents
- OVERVIEW
- Market Size
- Future Growth Indicators
- 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
- Unemployment
- Demographics
- General structure of the Nordic retail banking market
- The structure of the Swedish banking market
- Swedish commercial banks (joint stock banks)
- Foreign banks
- Savings banks
- Co-operative banks
- Market size
- Total consumer credit
- Consumer credit gross advances
- Consumer credit balances outstanding
- Consumer credit as a proportion of total retail lending in the
Nordics
- Consumer credit as a proportion of GDP in the Nordics
- Consumer credit per capita in the Nordics
- Consumer credit product statistics
- Consumer credit balances outstanding by product
- Regulatory environment
- Regulatory environment in Denmark
- Industry regulators in Denmark
- Industry associations in Denmark
- Regulatory environment in Finland
- Industry regulators in Finland
- Industry associations in Finland
- Regulatory environment in Norway
- Industry regulators in Norway
- Industry associations in Norway
- Regulatory environment in Sweden
- Industry regulators in Sweden
- Industry associations in Sweden
- Credit bureaux
- Regulatory issues in the market
- European consumer credit directive
- The Credit Institutions Act in Finland
- The Act on the Adjustment of the Debts of a Private Individual in
Finland
- The Banking and Financing Business Act in Sweden
- The Capital Adequacy and Large Exposures Act in Sweden
- Consumer Credit Act in Sweden
- Financial advice to consumers in Sweden
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Consumer credit market shares by institution
- Banks are the main players in the Nordic market
- Consumer credit market shares by competitor
- Danske Bank is the leading consumer credit provider in the Nordic
region
- Profiles of the top five consumer credit providers
- Danske Bank
- Nordea Bank
- FöreningsSparbanken
- Handelsbanken
- SE Banken
- Top five credit card lenders
- Market share by balances outstanding
- Competitor developments
- The Nordic banking market has become increasingly consolidated
- New entrants have contributed to growth in the consumer credit market
- Product analysis
- Typical product design of a Danish personal loan
- The Nordic region is not innovative in its product range
- Distribution
- Internet banking
- Finland is the world leader in Internet banking
- Nordea is a world leader of Internet banking
- New methods of distribution
- CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN THE NORDICS
- Forecasting gross advances
- Gross advances in the Nordic consumer credit market will reach €113.5
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
- Retail Banking Team contact details
- How to contact experts in your industry
- List of Tables
- Table 1: Consumer credit gross advances and balances outstanding in
the Nordics, 2001-2005
- Table 2: Ranking of selected European countries by GDP, 2005
- Table 3: GDP per capita for selected European countries, 2005
- Table 4: Composition of Nordic countries GDP by sector, 2005
- Table 5: Inflation in selected European countries, 2005
- Table 6: GINI Coefficient for selected European countries
- Table 7: Labor statistics in the Nordics, 2005
- Table 8: Population distribution according to age group in the Nordic
region, 2005
- Table 9: Comparison of rates available for personal loans in Denmark,
2005
- Table 10: Forecast of consumer credit gross advances in the Nordics,
2004-2010f
- Table 11: Rate of growth of GDP in the Nordics, 2000-2005
- Table 12: Segmentation of liquid assets in the Nordic region, 2004
- Table 13: Number of unemployed in the Nordic region, 2000-2005
- Table 14: Unemployment rates in the Nordic region, 2000-2005
- Table 15: Consumer credit gross advances in the Nordics, 2001-2005
- Table 16: Consumer credit balances outstanding in the Nordics,
2001-2005
- Table 17: Consumer credit as a proportion of total retail lending in
the Nordics, 2001-2005
- Table 18: Consumer credit as a proportion of GDP in the Nordics, 2005
- Table 19: Consumer credit balances outstanding per capita in the
Nordics, 2001-2005
- Table 20: Consumer credit balances outstanding by product in the
Nordics, 2004
- Table 21: Consumer credit balances outstanding by product in the
Denmark, 2004
- Table 22: Consumer credit balances outstanding by product in the
Finland, 2004
- Table 23: Consumer credit balances outstanding by product in the
Norway, 2004
- Table 24: Consumer credit balances outstanding by product in the
Sweden, 2004
- Table 25: Market shares of the leading consumer credit providers in
the Nordic region, 2004
- Table 26: Market shares of the leading credit card providers in the
Nordic region, 2004
- List of Figures
- Figure 1: Gross advances in the Nordic consumer credit market will
grow at CAGR 5.3 per cent to reach €113.5 billion in 2010, 2001-2010f
- Figure 2: Danske Bank is the leading consumer credit provider in the
Nordic region, 2004
- Figure 3: Key statistics for consumer credit in the Nordic region, 2005
- Figure 4: Following a slowdown in 2001-2, real GDP growth in the
Nordic are has picked up, 2000-2005
- Figure 5: Sweden has the highest level of liquid assets in the Nordic
region, 2004
- Figure 6: Unemployment has continued to remain high in Finland, while
Norway, Denmark and Sweden have seen an increase in their unemployment
rates in recent years, 2000- 2005
- Figure 7: The four pillars of Nordic Banking, 2006
- Figure 8: While the Norwegian market is the largest in absolute terms,
the Danish consumer credit market has expanded the fastest in recent
years, 2001-2005
- Figure 9: Consumer credit balances outstanding in Sweden have
increased slowly, while the rest of the Nordic region has seen rapid
growth in the same period, 2001-2005e
- Figure 10: Finland has the highest level of consumer credit as a
proportion of total retail lending, but this has been falling, 2001-2005
- Figure 11: Denmark has the highest level of consumer credit, in the
Nordics, in relation to its overall economy, 2005
- Figure 12: Norwegians have the highest outstanding consumer credit
debt in the Nordic region, 2005
- Figure 13: Personal loans are the major consumer credit product in the
Nordic region, 2004
- Figure 14: Regulatory overview of Denmark, 2006
- Figure 15: Regulatory overview of Finland, 2006
- Figure 16: Regulatory overview of Norway, 2006
- Figure 17: Regulatory overview of Sweden, 2006
- Figure 18: Banks in the Nordic region dominate the consumer credit
market, 2004
- Figure 19: Danske Bank is the leading consumer credit provider in the
Nordic region, 2004
- Figure 20: DnB NOR is the leading credit card lender in the Nordics,
2004
- Figure 21: Acquisitions of banks by the top five consumer credit
providers in the Nordics, 1997-2005
- Figure 22: Lenders are advertising on online auction sites, which are
increasingly popular in Sweden, 2006
- Figure 23: Gross advances in the Nordic consumer credit market will
grow at CAGR 5.3 per cent to reach €113.5 billion in 2010, 2001-2010f
- Figure 24 Datamonitor's core consulting capabilities
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