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
- Unemployment
- Demographics
- Population and demographic split
- Structure of the Portuguese retail banking market
- Universal banks
- Savings banks
- Agricultural credit institutions (co-operative banks)
- Market size
- Total consumer credit
- Consumer credit gross advances in Portugal
- Consumer credit balances outstanding in Portugal
- Consumer credit as a proportion of total retail lending
- Consumer credit as a proportion of GDP
- Consumer credit per capita
- Portugal's consumer credit market remains underdeveloped mainly
because it is a relatively new market
- Consumer credit product statistics
- Consumer credit balances outstanding by product
- Motor finance remains the dominant consumer credit product
- Credit cards have grown quickly in particular
- Regulatory environment
- Industry regulators
- Banco de Portugal
- Conselho Nacional de Supervisores Financeiros
- Industry associations
- ASB
- ASFAC
- Caixa Central de Credito Agricola Mutuo
- FENACAM
- Credit bureaux
- Regulatory issues in the market
- European consumer credit directive
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Consumer credit market shares by institution
- Banks are the leading players in the Portuguese consumer credit market
- Consumer credit market shares by competitor
- Millennium BCP is the leading consumer credit provider in Portugal
- However finance houses command a large portion of the market
- Profiles of the top five consumer credit providers
- Millennium BCP
- Banco Espirito Santo
- Caixa Geral de Depositos
- Banco Santander Totta
- Banco Portugues de Investimento
- Top five credit card lenders
- Credit card market share by balances outstanding
- Competitor developments
- The Portuguese banking market has gone through a process of
significant consolidation
- Portuguese banks have traditionally focused on other sectors, rather
than consumer credit
- In fact, finance houses are leading the way in terms of the
development of the Portuguese consumer credit market
- Moreover, foreign players have entered the Portuguese consumer
credit market
- Product analysis
- Typical product design of personal loans
- Product innovations in the market
- Using the Internet as a customer acquisition tool has become
increasingly common
- Promotions and loyalty schemes are common to the market
- CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN PORTUGAL
- Forecasting gross advances
- Gross advances in the Portuguese consumer credit market will reach
€7.5 billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weakness
- Opportunities
- Threats
- CHAPTER 5 APPENDIX
- Supplementary data
- Definitions
- Balances outstanding
- CAGR
- Consumer credit
- Gross advances
- Point of sale motor finance
- Retail finance
- Research methodology
- Forecasting methodology
- Relevant readings
- Relevant links
- 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
Portugal, 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 Portugal's GDP by sector, 2005
- Table 5: GINI Coefficient for selected European countries
- Table 6: Population distribution by age group in Portugal, 2005
- Table 7: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 8: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 9: Forecast of Portuguese consumer credit gross advances,
2004-2010f
- Table 10: Real GDP growth in Portugal, 2001-2005
- Table 11: Consumer credit gross advances in Portugal, 2001-2005
- Table 12: Consumer credit balances outstanding in Portugal, 2001-2005
- Table 13: Consumer credit balances outstanding as a proportion of
total retail lending in Portugal, 2001-2005
- Table 14: Consumer credit balances outstanding per capita, 2001-2005
- Table 15: Market shares by consumer credit balances outstanding in
Portugal, 2004
- Table 16: Credit card market shares by balances outstanding, 2004
- List of Figures
- Figure 1: Gross advances in the Portuguese consumer credit market will
grow at a CAGR of 6.5 per cent to reach €7.5 billion in 2010, 2001-2010f
- Figure 2: Millennium BCP is the leading consumer credit provider in
Portugal, 2004
- Figure 3: Key statistics for the Portuguese consumer credit market,
2005
- Figure 4: Despite experiencing positive economic growth in 2004-5, the
Portuguese economy remains fragile, 2001-2005
- Figure 5: Despite declining significantly in recent years, inflation
is still running at a relatively high level, 2000-2005
- Figure 6: Unemployment in Portugal has risen in recent years, 2001-2005
- Figure 7: The structure of the Portuguese banking industry, 2005
- Figure 8: In terms of new lending, consumer credit growth has been
weak, 2001-2005
- Figure 9: The Portuguese consumer credit market has performed poorly
over the last five years, but balances have increased, 2001-2005
- Figure 10: Consumer credit as a proportion of total lending has fallen
in Portugal over the last five years, 2001-2005
- Figure 11: Motor finance accounts for the largest proportion of
consumer credit balances in Portugal, 2004
- Figure 12: Regulatory overview of Portugal, 2004
- Figure 13: Banks have the largest share of balances outstanding of
consumer credit in Portugal, 2004
- Figure 14: Millennium BCP is the leading consumer credit provider in
Portugal, 2004
- Figure 15: Millennium BCP is the leading credit card lender in
Portugal, 2004
- Figure 16: Consolidation in the Portuguese consumer credit market,
2000-2005
- Figure 17: Gross advances in the Portuguese consumer credit market
will grow at a CAGR of 6.5 per cent to reach €7.5 billion in 2010,
2001-2010f
- Figure 18: Datamonitor's core consulting capabilities
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