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
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Demographics
- Commercial banks
- Building societies
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit balances outstanding as a proportion of total retail
lending
- Consumer credit balances as a percentage of GDP
- Consumer credit per capita
- Consumer credit product statistics
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators
- Central Bank and Financial Services Authority of Ireland (CBFSAI)
- Industry associations
- Irish Bankers' Federation (IBF)
- Irish Finance Houses Association (IFA)
- Other noteworthy organizations
- Irish Bank Officials Association (IBOA)
- Credit bureaux
- Regulatory issues
- European consumer credit directive
- New consumer protection legislation (CP10) is due to come into force
in mid-2006
- There is a de facto cap of 200 per cent on consumer credit
- Credit advertising in Ireland
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Top five consumer credit lenders
- Market share by balances outstanding
- Profiles of the top five consumer credit lenders
- AIB
- Bank of Ireland
- Permanent TSB
- RBS (First Active and Ulster Bank)
- GE Consumer Finance
- Top five credit card lenders
- Market share by balances outstanding
- Competitor developments
- Merger and acquisition activities in the Irish banking market
- Foreign players are attracted to the Irish banking sector
- HBOS has entered the Irish market
- Product analysis
- Typical product characteristics
- Personal loans
- POS motor finance
- Overdrafts
- Credit cards
- There are no annual fees on credit cards, but there is stamp duty
- Product innovation
- AIB's "be" credit card varies the APR according to how much consumers
spend
- CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN IRELAND
- Forecasting gross advances
- Gross advances in the Irish consumer credit market will reach €13.3
billion in 2010
- A number of factors will drive 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
- List of Tables
- Table 1: GDP per capita for selected European countries, 2005
- Table 2: The inflation rate in Ireland fell from a peak of 4.7 per
cent in 2002 to 2.2 per cent in 2005, 2001- 2005
- Table 3: GINI Coefficient for selected European countries
- Table 4: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 5: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 6: Recent mergers, acquisitions and demutualizations among
domestic players in the Irish banking sector, 1991-2005
- Table 7: A number of foreign players have entered the Irish banking
sector, 1997-2006
- Table 8: Typical APRs for unsecured personal loans in the Irish
market, 2006
- Table 9: Typical APRs for auto loans in the Irish market, 2006
- Table 10: Barclays offers the lowest credit card APR in the Irish
market, April 2006
- Table 11: Forecast of consumer credit gross advances in the Irish
market, 2004-2010f
- Table 12: Population numbers and demographic splits in Ireland and
other major European countries, 2005
- Table 13: The percentage of people over the age of 20 in the major
European countries, 2005
- Table 14: Unemployment rate in Ireland, 2001-2005
- Table 15: Consumer credit gross advances in Ireland, 2001-2005
- Table 16: Consumer credit balances outstanding in Ireland, 2001-2005
- Table 17: Consumer credit as a proportion of total retail lending in
Ireland, 2001-2005
- Table 18: Market shares of consumer credit balances outstanding by
product in Ireland, 2004
- Table 19: Market share of total consumer credit balances outstanding
for the top five Irish consumer credit providers, 2004
- Table 20: Market shares of credit card balances outstanding of the top
five Irish credit card providers, 2004
- List of Figures
- Figure 1: Consumer credit gross advances reached a peak in 2005, 2003
to 2005e
- Figure 2: Gross advances in the Irish consumer credit market will grow
at a CAGR of 7.2 per cent to reach €13.3 billion in 2010, 2003-2010f
- Figure 3: Bank of Ireland is the leading consumer credit provider in
Ireland, 2004
- Figure 4: Key statistics for the Irish consumer credit market, 2005
- Figure 5: Ireland has the smallest economy among the sample of
European countries shown, 2005
- Figure 6: Services and agricultural sectors are the major contributors
to Ireland's GDP, 2002
- Figure 7: The rate unemployment in Ireland is low when compare to the
Western European average, 1998-2005
- Figure 8: Ireland has one of the smallest populations in Europe, 2005
- Figure 9: Consumer credit gross advances reached a peak in 2005, 2003
to 2005e
- Figure 10: Consumer credit balances outstanding have grown at a CAGR
of 18.5 per cent over the past five years, 2001 to 2005
- Figure 11: Consumer credit has not been growing as fast as mortgage
lending in Ireland, 2001-2005
- Figure 12: In terms of balances outstanding personal loans are the
leading consumer credit product in Ireland, 2004
- Figure 13: Regulatory overview of Ireland, 2006
- Figure 14: Bank of Ireland is the leading consumer credit provider in
Ireland, 2004
- Figure 15: Allied Irish Bank is the leading credit card lender in
Ireland, 2004
- Figure 16: Gross advances in the Irish consumer credit market will
grow at a CAGR of 7.2 per cent to reach €13.3 billion in 2010, 2003-2010f
- Figure 17 Datamonitor's core consulting capabilities
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