Report: Consumer Credit in Austria 2006 TOC

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
    - Segmentation of liquid assets
    - Unemployment
- Demographics
  - Population and demographic split
- Market structure
  - Joint stock banks and private banks
  - Savings Banks (Sparkassen) Group
  - Regional mortgage banks
  - Raiffeisen Group
  - Volksbanken Group
  - Bausparkassen
  - Special purpose banks and Finance houses
- Market size
  - Total consumer credit
    - Gross advances
    - Balances outstanding
    - Consumer credit as a proportion of total retail lending
    - Consumer credit balances outstanding per capita
    - Consumer credit balances outstanding as a proportion of GDP
- Consumer credit product statistics
  - Personal loans are the most popular form of consumer credit
  - While POS motor finance is popular, POS retail finance is almost nonexistent
  - Credit card usage is very low
- Regulatory environment
  - Industry regulators in Austria
    - Oesterreichische Nationalbank
- Industry associations
  - Sparkassenverband
  - Oesterreichische Genossenschaftsverband
  - Raiffeisenverband
  - Verband der öterreichischen Landes-Hypothekenbanken
  - Verband öterreichischer Banken und Bankiers
- Credit bureaux
  - Experian
- Regulatory issues in the market
  - European consumer credit directive
CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Consumer credit market shares by competitor
  - The Raiffeisen is the leading consumer credit provider in Austria
- Profiles of the top five consumer credit providers
  - Raiffeisen
  - Bank Austria Creditanstalt (BA-CA)
  - Sparkassen
  - Volksbank
  - GE Consumer Finance
    - GE Money Bank dominates the POS market
- Top five credit card lenders
  - Market share of credti card balances outstanding
- Competitor developments
  - Austria has a competitive banking market
    - Entry into the Austrian retail banking market is difficult
    - The Volksbank and Raiffeisen groups are direct competitiors
    - The merger of BAWAG and PSK was the biggest of 2005
- Product analysis
  - Typical product design
  - Product innovations in the market
    - Bausparkassen loans are no longer just for housing
- Distribution
  - Austria's population is well served by bank branches
    - However, branch banking is falling off as Internet banking booms
CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN AUSTRIA
- Forecasting gross advances
  - Consumer credit gross advances in the Austrian market will reach €17.3 billion in 2010
  - A number of factors will determine this growth
- Future prospects
  - Strengths
  - Weakness
  - Opportunities
  - Threats
CHAPTER 5 APPENDIX
- Supplementary data
- Definitions
- 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 Austria, 2001-2005e
  - Table 2: Ranking of selected European countries by GDP, 2004
  - Table 3: GDP per capita for selected European countries, 2005
  - Table 4: The service industry is the main contributor to Austria's GDP, 2005
  - Table 5: GINI Coefficient for selected European countries
  - Table 6: Segmentation of liquid assets in Austria, 2004
  - Table 7: Population distribution according to age group in Austria, 2005
  - Table 8: Consumer credit balances outstanding per capita of selected European countries, 2005
  - Table 9: Consumer credit balances outstanding compared to GDP of selected European countries, 2005
  - Table 10: Forecast of consumer credit gross advances in the Austrian market, 2004-2010f
  - Table 11: Rate of growth of GDP in Austria, 2001-2005
  - Table 12: Labor statistics in Austria, 2001-2005
  - Table 13: Consumer credit gross advances in Austria, 2001-2005
  - Table 14: Consumer credit balances outstanding in Austria, 2001-2005
  - Table 15: Consumer credit as a proportion of total retail lending in Austria, 2001-2005e
  - Table 16: Market shares of consumer credit balances outstanding by product in Austria, 2004
  - Table 17: Market share of total consumer credit balances outstanding for the top five Austrian consumer credit providers, 2004
  - Table 18: Market shares of credit card balances outstanding of the top five Austrian credit card providers, 2004
- List of Figures
  - Figure 1: Consumer credit gross advances in the Austrian market will grow at a CAGR of 9.6 per cent to reach €17.3 billion in 2010, 2004-2010f
  - Figure 2: The Raiffeisen group has the biggest market share of consumer credit balances outstanding providers in Austria, 2004
  - Figure 3: Key statistics for the Austrian consumer credit market, 2005
  - Figure 4: Impacted by a weak German economy, Austrian economic growth has been solid but subdued in recent years, 2001-2005
  - Figure 5: Austria has maintained a low inflation rate over the past five years, 2000-2005
  - Figure 6: Unemployment has been rising in recent years, 2001-2005
  - Figure 7: The seven pillars of Austrian consumer lending, 2004
  - Figure 8: New lending of consumer credit in Austria is estimated to have reached €6.5 billion, 2004e-2005e
  - Figure 9: Between 2001 and 2003 consumer credit balances outstanding fell in Austria, before a sharp rise in 2004, 2001-2005e
  - Figure 10: Consumer credit as a proportion of total retail lending in Austria fell between 2001 and 2004, 2001-2005e
  - Figure 11: In terms of balances outstanding, personal loans are the leading consumer credit product in Austria, 2004
  - Figure 12: The Raiffeisen group has the largest market share of consumer credit balances outstanding providers in Austria, 2004
  - Figure 13: BA-CA is the leading credit card provider in Austria, 2004
  - Figure 14: Consumer credit gross advances in the Austrian market will grow at a CAGR of 5.6 per cent to reach €8.9 billion in 2010, 2004-2010f
  - Figure 22 Datamonitor's core consulting capabilities

Consumer Credit in Austria 2006

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