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
- 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
- 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
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