Table of Contents
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- Who is the target reader?
- How to use this report
- CHAPTER 2 AUSTRIA
- 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
- 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
- Credit card market shares by competitor
- 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
- Forecasting consumer credit 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 3 THE BENELUX REGION
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of wealth
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- Structure of the Belgian retail banking market
- Structure of the Dutch retail banking market
- Structure of Luxembourg' s retail banking market
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit in comparison to total retail lending
- Consumer credit balances outstanding as a proportion of GDP
- Consumer credit balances outstanding per capita
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators in Belgium
- National Bank of Belgium - NBB
- Banking, Finance and Assurance Commission - CBFA
- Industry associations in Belgium
- Belgian Bankers' Association (ABB-BVB)
- Test-Achats
- Union Professionnelle du Credit - UPC BVK
- Industry regulators in Netherlands
- De Nederlandsche Bank
- Netherlands Authority for the Financial Markets (AFM)
- Industry associations in the Netherlands
- Nederlandse Vereniging van Banken (NVB)
- Consumentenbond
- Industry regulators in Luxembourg
- The Banque Centrale du Luxembourg (BCL)
- Commission de Surveillance du Secteur Financier (CSSF)
- Industry associations in Luxembourg
- Association des Banques et Banquiers Luxembourg (ABBL)
- Union Luxembourgeoise des Consommateurs (ULC)
- Credit bureaux
- Both private and public credit bureaux operate in Belgium
- There are two main credit scoring bureaux in the Netherlands
- Regulatory issues in the market
- European consumer credit directive
- Belgian consumer protection laws are on the increase
- Consumer credit is also tightly controlled in the Netherlands
- Consumer credit market shares by institution
- Banks are the main players in the consumer credit market in the
Benelux region
- Finance houses are minor players in the consumer credit market in
the Benelux region
- Consumer credit market shares by competitor
- ABN AMRO is the leading consumer credit provider in the Benelux region
- Profiles of the top five consumer credit providers
- ABN AMRO
- Fortis
- ING Bank
- Dexia
- KBC
- Credit card market shares by competitor
- Credit card market share by balances outstanding in Belgium
- Credit card market share by balances outstanding in the Netherlands
- Competitor developments
- The consolidation process in Belgium
- The consolidation process in the Netherlands
- Recent changes in Luxembourg
- Product analysis
- Typical product design of personal loans in the Benelux region
- Consumer credit product innovations in the Benelux region
- The structure of the Benelux financial system means that its
consumer credit market is stable but suffers from a lack of innovation
- Distribution
- The Internet has made a big impact on the Dutch retail banking market
- Rabobank launches Internet banking in Belgium
- Forecasting consumer credit gross advances
- Gross advances in the Benelux consumer credit market will reach €27.4
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weakness
- Opportunities
- Threats
- CHAPTER 4 FRANCE
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Segmentation of liquid assets
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- Commercial banks
- Mutual and co-operative banks
- Municipal credit banks (Caisses de credit municipal)
- There are only 20 Municipal Credit Banks in France
- The French banking structure is more complex than it seems
- The hybrid structure means that the differentiation between commercial
and mutual banks is blurring
- Finance houses are important players in the retail financial market
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending in France
- Consumer credit balances outstanding as a proportion of GDP
- Consumer credit balances outstanding per capita
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators
- Banque de France
- Commission Bancaire - CB
- The Credit Institutions and Investments Firms Committee (CECEI)
- The Banking and Financial Regulatory Committee (CRBF)
- Industry associations
- Groupement des Cartes Bancaires (CB)
- Association Fran&accedil;aise des etablissements de Credit et des entreprises
d' investissements (AFECEI)
- Association Fran&accedil;aise des Sociétés Financières (ASF)
- Feacute;dération Bancaire Fran&accedil;aise (FBF)
- Conseil National du Credit et du Titre (advisory bodies)
- Comité consultatif
- L' Union Fédérale de Consommateurs
- Credit bureaux
- Regulatory issues in the market
- The 1984 Banking Act subjected all banks to the same rules
- There is no sub-prime market in France
- A number of legislative changes have been made in recent years that
affect the consumer credit market
- The European consumer credit directive will only have a small impact
on the French market
- Consumer credit market shares by institution
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Cetelem
- The private label card market is Cetelem' s core market in France
- Cetelem is also a major player in the point of sale motor finance
market
- Unsecured personal loans are also important
- Société Générale
- Credit Agricole
- Banque Populaire
- Caisse d' Epargne
- Credit card market shares by competitor
- Market share by balances outstanding
- Competitor developments
- Mergers and acquisition activity in the French banking market
- Credit Agricole take over Credit Lyonnais
- Mutual and co-operative banks have consolidated themselves in recent
years
- However, it is thought that the French banking market is fully
consolidated
- Entries and exits
- La Banque Postale was created on 1 January 2006
- Egg withdraw from the French market shortly after entry
- Product analysis
- Typical product characteristics
- Product innovation
- Distribution
- One quarter of consumers bank online
- Meanwhile, other banking channels have remained popular
- Forecasting consumer credit gross advances
- Gross advances in the French consumer credit market will reach €206.6
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 5 GERMANY
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Segmentation of liquid assets
- Unemployment
- Demographics
- Private commercial banks
- Private commercial banks mainly concentrate on corporate banking
rather than retail banking
- Sparkassen Group (savings banks)
- Volks- und Raiffeisenbanken (co-operative banks)
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending
- Consumer credit as a proportion of GDP
- Consumer credit balances outstanding per capita
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry associations
- Zentraler Kreditausschuss - ZKA
- Deutsche Sparkassen- und Giroverband - DSGV (German savings banks
association)
- Bundesverband Deutscher Banken - German Bankers' Association
- Bundesverband der Deutschen Volksbanken und Raiffeisenbanken - BVR
- Bundesverband Öffentlicher Banken Deutschlands - VÖB
- Hypothekenverband (VDH)
- Verband der privaten Bausparkassen
- Bankenfachverband
- Ver.di
- Credit bureaux
- Regulatory issues in the market
- European consumer credit directive
- Private commercial banks are not allowed to acquire Sparkassen under
current legislation.
- Landesbanken lose state guarantees
- A change to the way the maximum interest rate is calculated has caused
confusion for German lenders
- Consumer credit market shares by institute
- Consumer credit market shares by competitor
- The Sparkassen Group remains the largest lender in Germany
- Profiles of the top five consumer credit providers
- The Sparkassen Group
- Citibank
- Deutsche Bank
- Dresdner Bank
- Norisbank
- Top five credit card lenders
- Market share by balances outstanding
- Competitor developments
- Consolidation of the German retail banking market
- Most recently, Commerzbank announced it is to take control of
Eurohypo
- Chancellor Schroeder has called for German banks to remain
competitive through consolidation
- New entrants to the German retail banking market
- Non-traditional players are an important part of the German financial
services market
- Cetelem has strengthened its partnership with Dresdner Bank
- Product analysis
- Typical interest rates for personal loans
- DKB offers competitive personal loan rates
- Product innovations in the market
- Germany' s Bausparkassen are not following the Austrian lead
- easyCredit personal loans are especially innovative
- Distribution
- Growth in Internet banking in Germany has been slow in 2005
- Germans are still keen to use branches
- Norisbank has set up personal loan ' shops'
- Forecasting consumer credit gross advances
- Gross advances in the German consumer credit market will reach €96.6
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weakness
- Opportunities
- Threats
- CHAPTER 6 GREECE
- Country overview
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Demographics
- Market structure
- Commercial banks
- Specialized credit institutions
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit per capita
- Consumer credit product statistics
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators
- Bank of Greece
- Hellenic Capital Market Commission
- Industry associations
- Hellenic Bank Association
- Credit bureaux
- Regulatory issues in the market
- European consumer credit directive
- The Central Bank scraps maximum loan limits in 2004
- Consumer credit market shares by competitor
- Market share by balances outstanding
- Profiles of the top five consumer credit providers
- EFG Eurobank
- National Bank of Greece
- Alpha Bank
- Piraeus Bank
- Emporiki Bank
- Credit card market shares by competitor
- Market share by balances outstanding
- Competitor developments
- Merger, acquisition and expansion activity in the Greek banking market
- Foreign players have been buying stakes in Greek banks
- Specialist European consumer credit providers are gaining presence
in the Greek market
- Product analysis
- Typical product characteristics
- Personal loans
- Credit cards
- POS finance
- Overdrafts
- Product innovation
- Forecasting consumer credit gross advances
- Gross advances in the Greek consumer credit market will reach €37.6
billion in 2010
- A number of factors will drive this growth
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 7 IRELAND
- Country overview
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Demographics
- Market structure
- Commercial banks
- Building societies
- Market size
- 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
- Consumer credit market shares by competitor
- 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
- Credit card market shares by competitor
- 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
- Forecasting consumer credit 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 8 ITALY
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets in Italy
- Demographics
- Population and demographic split
- Unemployment
- Market structure
- Limited liability banks
- Co-operative banks
- Savings Banks
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending
- Consumer credit as a proportion of GDP
- Consumer credit per capita
- Italy' s consumer credit market remains underdeveloped, mainly as a
result of formerly high interest rates and high saving rates
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Retail finance is on the increase for the second time of trying
- The Italian motor finance market has been growing strongly in recent
years
- Credit cards are becoming more popular in Italy
- Regulatory environment
- Industry regulators in Italy
- Industry associations
- Associazione Bancaria Italiana - ABI
- ACRI
- Banche Credito Cooperativo - BCC
- Associazione Italiana del Credito al Consumo e Immobiliare - Assofin
- Credit bureaux
- EURISC - CRIF Credit Protection Bureau
- Consorzio per la tutela del credito - CTC
- Regulatory issues in the market
- European consumer credit directive
- Investment by foreign banks has been hindered in the past
- Consumer credit market shares by institute
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Findomestic (Cetelem)
- Banca Intesa
- Fiditalia
- Banca Unicredito
- Banca Monte Dei Paschi Group
- Credit card market shares by competitor
- Market share by balances outstanding
- Competitor developments
- The Italian banking market has become more consolidated
- Attititudes towards consumer credit have been changing
- Much of the new bank interest has been due to changes in regulation
- Competition is increasing in Italy
- Capitalia looks to expand its business to cover the whole of Italy
- Product analysis
- Typical product design of personal loans
- Product innovations in the market
- Distribution
- ING have used the Internet to enter the Italian market
- Forecasting consumer credit gross advances
- Gross advances in the Italian consumer credit market will reach €68.3
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weakness
- Opportunities
- Threats
- CHAPTER 9 THE NORDICS
- 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
- 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
- Credit card market shares by competitor
- 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
- Forecasting consumer credit 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 10 PORTUGAL
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- 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 Crédito Agrícola Mútuo
- FENACAM
- Credit bureaux
- Regulatory issues in the market
- European consumer credit directive
- 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 Espírito Santo
- Caixa Geral de Dep&oaute;sitos
- Banco Santander Totta
- Banco Português de Investimento
- Credit card market shares by competitor
- 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
- Forecasting consumer credit 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 11 SPAIN
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- Private Commercial Banks
- Cajas de Ahorros (savings banks)
- Cooperativas de Credito (co-operative banks)
- Market data
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending
- Consumer credit as a proportion of GDP
- Consumer credit per capita
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry associations
- Asociación Española de Banca - AEB
- Asociación Hipotecaria Española - AHE
- Confederacion Española de Cajas de Ahorros - CECA
- Unión Nacional de Cooperativas de Credito - UNACC
- Asociación Nacional de Establecimientos Financieros de Credito (ASNEF)
- Asociación de Usuarios de Servicios Bancarios (AUSBANC)
- Credit bureaux
- The Bank of Spain manages a public registry
- Equifax operates a private sector credit bureau in Spain
- Regulatory issues in the market
- European consumer credit directive
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Grupo Santander
- Grupo Santander is the largest credit card issuer in Spain
- Personal loan and POS finance products are also important to the
group
- BBVA
- La Caixa
- Caja Madrid
- Banco Popular Español
- Credit card market shares by competitor
- Market share by balances outstanding
- Competitor developments
- Consolidation of the Spanish market
- Foreign lenders have been entering the Spanish market
- Product analysis
- Typical product design
- Product innovations
- Fast loans are a priority area for Spanish banks
- Dia becomes the first Spanish supermarket to offer consumer credit
- Distribution
- La Caixa is the online banking leader
- Forecasting consumer credit gross advances
- Gross advances in the Spanish consumer credit market will reach €87.0
billion in 2010
- A number of factors will drive this growth
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 12 TURKEY
- Country overview
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Demographics
- Population and demographic split
- Market structure
- State owned banks
- Privately owned banks
- Islamic Finance Houses
- Saving Deposit Insurance Fund (SDIF)
- Market data
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending
- Consumer credit per capita
- Consumer credit as a proportion of GDP
- Consumer credit product statistics
- Consumer credit balances outstanding by product
- Regulatory environment
- Industry regulators
- Türkiye Cumhuriyet Merkez Bankası
- Bankacilik Düzenleme ve Denetleme Kurumu (BDDK)
- Industry associations
- Türkiye Bankalar Birligi (TBB)
- Tukder
- Credit bureaux
- Regulatory issues in the market
- New laws effecting the legal framework and supervision of the banking
system have been implemented
- The Banking Sector Restructuring Program
- Consumer credit market shares by institute
- Commercial banks are the main players in the Turkish market
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Akbank
- Yapi Kredi
- Garanti Bank
- Ziraat Bankasi
- İş Bankasi
- Credit card market shares by competitor
- Market share by balances outstanding
- Competitor developments
- Mergers, acquisitions and expansion activity in the Turkish banking
sector
- The Turkish market is appealing to foreign lenders
- HSBC expands its branch network in Turkey
- Product analysis
- Typical product design of personal loans in Turkey
- Typical product design of credit cards in Turkey
- Interest rates and fees
- Loyalty in the Turkish credit card market
- Innovations in the market
- Akbank launches "Speedy Cell Credit"
- Garant launched the 24x24x24 loan in 2004
- Distribution
- Internet use in Turkey
- Garanti leads Internet banking in Turkey
- Forecasting consumer credit gross advances
- Gross advances in the Turkish consumer credit market will reach €169.1
billion in 2010
- A number of factors will drive this growth
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 13 APPENDIX
- Supplementary data
- Consumer Credit in Austria
- Consumer Credit in the Benelux Region
- Consumer Credit in France
- Consumer Credit in Germany
- Consumer Credit in Greece
- Consumer Credit in Ireland
- Consumer Credit in Italy
- Consumer Credit in the Nordics
- Consumer Credit in Portugal
- Consumer Credit in Spain
- Consumer Credit in Turkey
- Definitions
- Research methodology
- Secondary research sources
- Austria
- The Benelux region
- France
- Germany
- Greece
- Ireland
- Italy
- The Nordics
- Portugal
- Spain
- Turkey
- Relevant readings
- Datamonitor' s custom research capabilities
- Retail Banking Team contact details
- How to contact experts in your industry
- List of Tables
- Table 1: Ranking of selected European countries by GDP, 2004
- Table 2: GDP per capita for selected European countries, 2005
- Table 3: The service industry is the main contributor to Austria' s
GDP, 2005
- Table 4: GINI Coefficient for selected European countries
- Table 5: Segmentation of liquid assets in Austria, 2004
- Table 6: Population distribution according to age group in Austria,
2005
- Table 7: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 8: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 9: Forecast of consumer credit gross advances in the Austrian
market, 2004-2010f
- Table 10: GDP per capita for selected European countries, 2005
- Table 11: Sectoral composition of the economies of the Benelux
nations, 2005
- Table 12: GINI Coefficient for selected European countries
- Table 13: Segmentation of liquid assets in the Benelux countries, 2004
- Table 14: Total population and demographic splits for the Benelux
region, 2005
- Table 15: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 16: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 17: List of top ten and other selected rates for personal loans
in the Netherlands, December 2005
- Table 18: Forecast of consumer credit gross advances in the Benelux
consumer credit market, 2004-2010f
- Table 19: GDP per capita for selected European countries, 2005
- Table 20: GINI Coefficient for selected European countries
- Table 21: Segmentation of liquid assets, 2004
- Table 22: Examples of finance houses, 2005
- Table 23: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 24: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 25: APR of Cofidis personal loans, May 2006
- Table 26: Forecast of consumer credit gross advances in the French
market, 2005e-2010f
- Table 27: GDP per capita for selected European countries, 2005
- Table 28: Inflation in selected European countries, 2005
- Table 29: GINI Coefficient for selected European countries
- Table 30: Segmentation of liquid assets, 2004
- Table 31: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 32: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 33: A comparison of effective interest rates for a €5,000
unsecured personal loan taken out over a five year period in Germany,
December 2005
- Table 34: Interest rates for a €10,000 loan from DKB, December 2005
- Table 35: Forecast of consumer credit gross advances in the German
market, 2004-2010f
- Table 36: GDP per capita for selected European countries, 2005
- Table 37: Inflation in selected European countries, 2001- 2005
- Table 38: GINI Coefficient for selected European countries
- Table 39: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 40: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 41: Forecast of consumer credit gross advances in the Greek
market, 2004e-2010f
- Table 42: GDP per capita for selected European countries, 2005
- Table 43: 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 44: GINI Coefficient for selected European countries
- Table 45: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 46: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 47: Recent mergers, acquisitions and demutualizations among
domestic players in the Irish banking sector, 1991-2005
- Table 48: A number of foreign players have entered the Irish banking
sector, 1997-2006
- Table 49: Typical APRs for unsecured personal loans in the Irish
market, 2006
- Table 50: Typical APRs for auto loans in the Irish market, 2006
- Table 51: Barclays offers the lowest credit card APR in the Irish
market, April 2006
- Table 52: Forecast of consumer credit gross advances in the Irish
market, 2004-2010f
- Table 53: Ranking of selected European countries by GDP, 2005
- Table 54: GDP per capita for selected European countries, 2005
- Table 55: Composition of Italy' s GDP by sector, 2005
- Table 56: GINI Coefficient for selected European countries, 2005
- Table 57: Segmentation of liquid assets in Italy, 2004
- Table 58: Population distribution according to age group in Italy, 2005
- Table 59: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 60: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 61: Forecast of consumer credit gross advances in the Italian
consumer credit market, 2004-2010f
- Table 62: Ranking of selected European countries by GDP, 2005
- Table 63: GDP per capita for selected European countries, 2005
- Table 64: Composition of Nordic countries GDP by sector, 2005
- Table 65: Inflation in selected European countries, 2005
- Table 66: GINI Coefficient for selected European countries
- Table 67: Labor statistics in the Nordics, 2005
- Table 68: Population distribution according to age group in the Nordic
region, 2005
- Table 69: Comparison of rates available for personal loans in Denmark,
2005
- Table 70: Forecasted consumer credit gross advances in the Nordic
region, 2005e-2010f
- Table 71: Ranking of selected European countries by GDP, 2005
- Table 72: GDP per capita for selected European countries, 2005
- Table 73: Composition of Portugal' s GDP by sector, 2005
- Table 74: GINI Coefficient for selected European countries
- Table 75: Population distribution by age group in Portugal, 2005
- Table 76: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 77: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 78: Forecast of Portuguese consumer credit gross advances,
2004-2010f
- Table 79: GDP per capita for selected European countries, 2005
- Table 80: GINI Coefficient for selected European countries
- Table 81: Segmentation of liquid assets in Spain, 2004
- Table 82: Population distribution according to age group in Spain, 2005
- Table 83: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 84: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 85: APRs for La Caixa Catalunya' s "Zero Loan", December 2005
- Table 86: Forecast of consumer credit gross advances in the Spanish
consumer credit market, 2004-2010f
- Table 87: GDP per capita for selected European countries, 2005
- Table 88: Composition of Turkey' s GDP by sector, 2005e
- Table 89: Inflation in selected European countries, 2000-2005
- Table 90: GINI Coefficient for selected European countries
- Table 91: Population distribution according to age group in Turkey,
2005
- Table 92: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 93: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 94: Interest rates charged per month by Garanti Bankasi vary
depending on the amount of debt paid off, April 2006
- Table 95: Forecast of consumer credit gross advances in the Turkish
market, 2004-2010f
- Table 96: Rate of growth of GDP in Austria, 2001-2005
- Table 97: Labor statistics in Austria, 2001-2005
- Table 98: Consumer credit gross advances in Austria, 2001-2005
- Table 99: Consumer credit balances outstanding in Austria, 2001-2005
- Table 100: Consumer credit as a proportion of total retail lending in
Austria, 2001-2005e
- Table 101: Market shares of consumer credit balances outstanding by
product in Austria, 2004
- Table 102: Market share of total consumer credit balances outstanding
for the top five Austrian consumer credit providers, 2004
- Table 103: Market shares of credit card balances outstanding of the
top five Austrian credit card providers, 2004
- Table 104: Real GDP growth in the Benelux region, 2001-2005
- Table 105: Unemployment rate in the Benelux region, 2001-2005
- Table 106: Consumer credit gross advances in the Benelux region,
2001-2005e
- Table 107: Consumer credit balances outstanding in the Benelux region,
2001-2005e
- Table 108: Consumer credit as a proportion of total retail lending in
the Benelux region, 2001-2005e
- Table 109: Market share of consumer credit balances outstanding by
product in the Benelux region, 2004
- Table 110: Market share of consumer credit balances outstanding by
product in Belgium, 2004
- Table 111: Market share of consumer credit balances outstanding by
product in the Netherlands, 2004
- Table 112: Market share of consumer credit balances outstanding by
product in Luxembourg, 2004
- Table 113: Consumer credit balances outstanding by type of lender in
the Benelux region, 2004
- Table 114: Market share of total consumer credit balances outstanding
for the top five Benelux consumer credit providers, 2004
- Table 115: Market shares of credit card balances outstanding of the
top five Belgian and Dutch credit card providers, 2004
- Table 116: Rate of growth of GDP in France, 2001-2005
- Table 117: Inflation in France, 2001-2005
- Table 118: Consumer credit gross advances in France, 2001-2005e
- Table 119: Consumer credit balances outstanding in France, 2001-2005e
- Table 120: Consumer credit as a proportion of total retail lending in
France, 2001-2005e
- Table 121: Market shares by consumer credit gross advances of products
in France, 2004
- Table 122: Market shares by consumer credit balances outstanding of
products in France, 2004
- Table 123: Market share of total consumer credit balances outstanding
for the top five French consumer credit providers, 2004
- Table 124: Market shares of credit card balances outstanding of the
top five French credit card providers, 2004
- Table 125: Real GDP growth rates, 2001-2005
- Table 126: Unemployment in Germany, 2005
- Table 127: Consumer credit gross advances in Germany, 2001-2005
- Table 128: Consumer credit balances outstanding in Germany, 2000-2005
- Table 129: Consumer credit as a proportion of total retail lending in
Germany, 2001-2005
- Table 130: Market shares of consumer credit gross advances by product
in Germany, 2004
- Table 131: Market shares of consumer credit balances outstanding by
product in Germany, 2004
- Table 132: Market share of total consumer credit balances outstanding
for the top five German consumer credit providers, 2004
- Table 133: Market shares of credit card balances outstanding of the
top five German credit card providers, 2004
- Table 134: Real GDP growth rates, 2001-2005
- Table 135: Unemployment rates 2000-2005
- Table 136: Consumer credit gross advances in Greece, 2001-2005
- Table 137: Consumer credit balances outstanding in Greece, 2001-2005
- Table 138: Consumer credit as a proportion of total retail lending in
Greece, 2001-2005
- Table 139: Market shares of consumer credit balances outstanding by
product in Greece, 2004
- Table 140: Market share of total consumer credit balances outstanding
for the top five Greek consumer credit providers, 2004
- Table 141: Market shares of credit card balances outstanding of the
top five Greek credit card providers, 2004
- Table 142: Unemployment rate in Ireland, 2001-2005
- Table 143: Consumer credit gross advances in Ireland, 2001-2005
- Table 144: Consumer credit balances outstanding in Ireland, 2001-2005
- Table 145: Consumer credit as a proportion of total retail lending in
Ireland, 2001-2005
- Table 146: Market shares of consumer credit balances outstanding by
product in Ireland, 2004
- Table 147: Market share of total consumer credit balances outstanding
for the top five Irish consumer credit providers, 2004
- Table 148: Market shares of credit card balances outstanding of the
top five Irish credit card providers, 2004
- Table 149: Rate of growth of GDP in Italy, 2000-2005
- Table 150: Labor statistics in Italy, 2000-2005
- Table 151: Consumer credit gross advances in Italy, 2001-2005
- Table 152: Consumer credit balances outstanding in Italy, 2001-2005
- Table 153: Consumer credit as a proportion of total Retail Lending in
Italy, 2001-2005
- Table 154: Market shares of consumer credit gross advances by product
in Italy, 2004
- Table 155: Market shares of consumer credit balances outstanding by
product in Italy, 2004
- Table 156: Market share of total consumer credit balances outstanding
for the top five Italian consumer credit providers, 2004
- Table 157: Market share of credit card balances outstanding of the top
five Italian credit card providers, 2004
- Table 158: Rate of growth of GDP in the Nordics, 2000-2005
- Table 159: Segmentation of liquid assets in the Nordic region, 2004
- Table 160: Number of unemployed in the Nordic region, 2000-2005
- Table 161: Unemployment rates in the Nordic region, 2000-2005
- Table 162: Consumer credit gross advances in the Nordics, 2001-2005
- Table 163: Consumer credit balances outstanding in the Nordics,
2001-2005
- Table 164: Consumer credit as a proportion of total retail lending in
the Nordics, 2001-2005
- Table 165: Consumer credit as a proportion of GDP in the Nordics, 2005
- Table 166: Consumer credit balances outstanding per capita in the
Nordics, 2001-2005
- Table 167: Consumer credit balances outstanding by product in the
Nordics, 2004
- Table 168: Consumer credit balances outstanding by product in the
Denmark, 2004
- Table 169: Consumer credit balances outstanding by product in the
Finland, 2004
- Table 170: Consumer credit balances outstanding by product in the
Norway, 2004
- Table 171: Consumer credit balances outstanding by product in the
Sweden, 2004
- Table 172: Market shares of the leading consumer credit providers in
the Nordic region, 2004
- Table 173: Market shares of the leading credit card providers in the
Nordic region, 2004
- Table 174: Real GDP growth in Portugal, 2001-2005
- Table 175: Consumer credit gross advances in Portugal, 2001-2005
- Table 176: Consumer credit balances outstanding in Portugal, 2001-2005
- Table 177: Consumer credit balances outstanding as a proportion of
total retail lending in Portugal, 2001-2005
- Table 178: Consumer credit balances outstanding per capita, 2001-2005
- Table 179: Market shares by consumer credit balances outstanding in
Portugal, 2004
- Table 180: Credit card market shares by balances outstanding, 2004
- Table 181: Percentage change of GDP from the previous year, 2001-2005
- Table 182: Rate of unemployment in Spain, 2001- 2005
- Table 183: Consumer credit gross advances in Spain, 2001-2005
- Table 184: Consumer credit balances outstanding in Spain, 2001-2005
- Table 185: Consumer Credit as a proportion of total retail lending in
Spain, 2000-2005
- Table 186: Market shares of consumer credit gross advances by product
in Spain, 2004
- Table 187: Market shares of consumer credit balances outstanding by
product in Spain, 2004
- Table 188: Market share of total consumer credit balances outstanding
for the top five Spanish consumer credit providers, 2004
- Table 189: Market shares of credit card balances outstanding of the
top five Spanish credit card providers, 2004
- Table 190: Real GDP growth rate in Turkey, 2001-2005
- Table 191: Inflation in Turkey, 2001-2005
- Table 192: Labour statistics in Turkey, 2001-2005
- Table 193: Consumer credit gross advances in Turkey, 2001-2005
- Table 194: Consumer credit balances outstanding in Turkey, 2001-2005
- Table 195: Consumer credit as a proportion of total retail lending in
Turkey, 2001-2005
- Table 196: Market shares by consumer credit balances outstanding by
product in Turkey, 2004-2005
- Table 197: Market shares of consumer credit balances outstanding by
type of institution in Turkey, 2004
- Table 198: Market share of total consumer credit balances outstanding
for the top five Turkish consumer credit providers, 2004
- Table 199: Market shares of credit card balances outstanding of the
top five Turkish credit card providers, 2004
- List of Figures
- Figure 1: Key statistics for the Austrian consumer credit market, 2005
- Figure 2: Impacted by a weak German economy, Austrian economic growth
has been solid but subdued in recent years, 2001-2005
- Figure 3: Austria has maintained a low inflation rate over the past
five years, 2000-2005
- Figure 4: Unemployment has been rising in recent years, 2001-2005
- Figure 5: The seven pillars of Austrian consumer lending, 2004
- Figure 6: New lending of consumer credit in Austria is estimated to
have reached €6.5 billion, 2004e-2005e
- Figure 7: Between 2001 and 2003 consumer credit balances outstanding
fell in Austria, before a sharp rise in 2004, 2001-2005e
- Figure 8: Consumer credit as a proportion of total retail lending in
Austria fell between 2001 and 2004, 2001-2005e
- Figure 9: In terms of balances outstanding, personal loans are the
leading consumer credit product in Austria, 2004
- Figure 10: The Raiffeisen group has the largest market share of
consumer credit balances outstanding providers in Austria, 2004
- Figure 11: BA-CA is the leading credit card provider in Austria, 2004
- Figure 12: 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 13: Key statistics for the Benelux consumer credit market, 2005
- Figure 14: Both the Dutch and Belgian economies have stuttered in
recent years, 2001-2005
- Figure 15: Following its peak in 2001, inflation in the Netherlands is
now below the levels witness in Belgium and Luxembourg, 2000-05
- Figure 16: Belgium has the highest unemployment rate in the Benelux
region, 2001-2005
- Figure 17: While new lending in the Dutch consumer credit market
contracted, new lending in Belgium and Luxembourg grew steadily, 2001-2005e
- Figure 18: Consumer credit balances outstanding have increased in all
three Benelux markets, 2001-2005e
- Figure 19: Consumer credit balances outstanding as a proportion of
total retail lending has been falling year-on-year, 2001-2005e
- Figure 20: Personal loans account for the largest proportion of new
lending in the Benelux consumer credit market, 2004
- Figure 21: Personal loans accounted for over half of outstanding
balances in all three consumer credit markets in the region, 2004
- Figure 22: Regulatory overview of the Belgian Banking market, 2005
- Figure 23: Regulatory overview of the Netherlands, 2005
- Figure 24: Regulatory overview of Luxembourg, 2005
- Figure 25: Banks account for the vast majority of the consumer credit
market in the Benelux region, 2004
- Figure 26: Banks are the leading consumer credit provider in the
Netherlands, 2004
- Figure 27: The leading consumer credit provider in the Benelux region
was ABN AMRO, 2004
- Figure 28: Fortis is the leading credit card lender in Belgium, 2004
- Figure 29: ING is the leading credit card lender in the Netherlands,
2004
- Figure 30: Consumer credit gross advances in the Benelux market will
grow at a CAGR of 4.7 per cent to reach €27.4 billion in 2010, 2001-2010f
- Figure 31: Key statistics for the French consumer credit market, 2005
- Figure 32: The French economy is the third largest in Europe, 2005
- Figure 33: France has enjoyed a period of positive economic growth,
2001 to 2005
- Figure 34: The French economy is dominated by the services sector,
while the agriculture sector accounts for just 2.2 per cent of economic
output, 2005
- Figure 35: French inflation has been kept at or below two per cent
p[er annum in recent years, 2000-2006
- Figure 36: France has a relatively high proportion of its population
under 15 years of age in comparison to its peers, 2005
- Figure 37: The three pillars of the French retail banking system
- Figure 38: Consumer credit gross advances in France have been rising
steadily, 2001-2005e
- Figure 39: Consumer credit balances outstanding have grown slowly in
France, 2001-2005e
- Figure 40: Growth in the mortgage market has reduced its share of the
market, 2001-2005
- Figure 41: Retail finance is the major consumer credit product in
terms of gross advances in France, 2004
- Figure 42: In terms of balances outstanding, personal loans are the
major consumer credit product in France, 2004
- Figure 43: Regulatory overview of France, 2005
- Figure 44: Consumer credit in France is split almost evenly between
banks and other providers, 2004
- Figure 45: Cetelem is the leading consumer credit provider in France,
2004
- Figure 46: Caisse d' Epargne is the leading credit card lender in
France, 2004
- Figure 47: Main merger and acquisition activities in the French
market, 1996-2005
- Figure 48: Gross advances in the French consumer credit market will
grow at a CAGR of 7.0 per cent to reach €206.6 billion in 2010, 2001-2010f
- Figure 49: Key statistics for the German consumer credit market, 2005
- Figure 50: Germany has the highest GDP in Europe, 2005
- Figure 51: While the economic situation in Germany has now improved,
GDP growth between 2001 and 2005 depicts the dire state of the German
economy in recent years, 2001-2005
- Figure 52: The German economy is dominated by the services sector, 2005
- Figure 53: Unemployment in Germany has been on the rise, 2001-2005
- Figure 54: Germany has the highest population among the major European
countries, 2005
- Figure 55: Germany has the fourth highest percentage of population
over the age of 20 after Italy, Spain and Greece 2005
- Figure 56: The three pillars of German banking, 2005
- Figure 57: Banking groups in the three pillars, 2005
- Figure 58: There was a fall in new lending in the German consumer
credit market in 2005, 2001-2005e
- Figure 59: There was a fall in consumer credit balances outstanding in
2005 in Germany, 2001-2005
- Figure 60: Mortgages are the dominant retail lending product in
Germany, 2001-2005e
- Figure 61: Personal loans account for over half of consumer credit in
terms of gross advances in Germany, 2004
- Figure 62: Personal loans account for well over half of the total
German consumer credit market on a measure of balances outstanding, 2004
- Figure 63: Regulatory overview of Germany, 2005
- Figure 64: Banks in Germany have the major share of the consumer
credit market, 2004
- Figure 65: The Sparkassen Group is the leading consumer credit
provider in France, 2004
- Figure 66: Barclaycard Deutschland is the leading credit card lender
in Germany, 2004
- Figure 67: Overview of the main mergers and acquisitions in Germany in
recent years, 1998-2005
- Figure 68: While the German consumer credit market is expected to
return to growth in 2006, the market will continue to struggle, 2001-2010f
- Figure 69: Key statistics for the Greek consumer credit market, 2005
- Figure 70: Greece has the second lowest GDP in 2005
- Figure 71: Greece recorded the highest GDP growth, 2001 to 2005
- Figure 72: The Greek economy is dominated by the services sector, 2005
- Figure 73: Greece has a history of high unemployment, 2000-2005
- Figure 74: Greece' s population is of similar size to that of Belgium,
2005
- Figure 75: Consumer credit gross advances grew at a CAGR of 28.8 per
cent from 2001 to 2005
- Figure 76: Consumer credit balances outstanding grew at a CAGR of 27.7
per cent from 2001 to 2005
- Figure 77: Consumer credit accounts for a third of retail lending in
Greece, 2001-2005
- Figure 78: In terms of balances outstanding credit cards are the
leading consumer credit product in Greece, 2004
- Figure 79: Regulatory overview of Greece, 2006
- Figure 80: Eurobank is the leading consumer credit provider in Greece,
2004
- Figure 81: Eurobank is the leading credit card lender in Greece, 2004
- Figure 82: Mergers and acquisitions in the Greek banking market,
1999-2002
- Figure 83: Gross advances in the Greek consumer credit market will
grow at a CAGR of 14.8 per cent to reach €37.6 billion in 2010, 2001-2010f
- Figure 84: Key statistics for the Irish consumer credit market, 2005
- Figure 85: Ireland has the smallest economy among the sample of
European countries shown, 2005
- Figure 86: Services and agricultural sectors are the major
contributors to Ireland' s GDP, 2002
- Figure 87: The rate unemployment in Ireland is low when compare to the
Western European average, 1998-2005
- Figure 88: Ireland has one of the smallest populations in Europe, 2005
- Figure 89: Consumer credit gross advances reached a peak in 2005, 2003
to 2005e
- Figure 90: Consumer credit balances outstanding have grown at a CAGR
of 18.5 per cent over the past five years, 2001 to 2005
- Figure 91: Consumer credit has not been growing as fast as mortgage
lending in Ireland, 2001-2005
- Figure 92: In terms of balances outstanding personal loans are the
leading consumer credit product in Ireland, 2004
- Figure 93: Regulatory overview of Ireland, 2006
- Figure 94: Bank of Ireland is the leading consumer credit provider in
Ireland, 2004
- Figure 95: Allied Irish Bank is the leading credit card lender in
Ireland, 2004
- Figure 96: 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 97: Key statistics for the Italian consumer credit market, 2005
- Figure 98: The Italian economy has performed poorly in recent years,
2001 - 2005
- Figure 99: The Italian inflation rate has fluctuated around the two
per cent market in recent years, 2000-2005
- Figure 100: Unemployment in Italy has been falling in recent years,
2000-2005
- Figure 101: In terms of new lending, the Italian consumer credit
market has grown rapidly, 2001-2005
- Figure 102: Consumer credit balances outstanding have grown nearly as
fast as new lending in the Italian market, 2001-2005
- Figure 103: Consumer credit now accounts for a marginally smaller
share of the retail lending market compared to five years ago, 2001-2005
- Figure 104: Motor finance accounts for the largest share of consumer
credit gross advances in Italy, 2004
- Figure 105: In terms of balances outstanding, motor finance is the
leading consumer credit product in Italy, 2004
- Figure 106: Regulatory overview of Italy, 2004
- Figure 107: Banks have the largest share of consumer credit balances
outstanding in Italy, 2004
- Figure 108: Findomestic is the leading consumer credit provider in
Italy, 2004
- Figure 109: Unicredito is the leading credit card lender in Italy, 2004
- Figure 110: Main mergers in Italy, 1998 - 2005
- Figure 111: Gross advances in the Italian consumer credit market will
grow at a CAGR of 4.2 per cent to reach €68.3 billion in 2010, 2001-2010f
- Figure 112: Key statistics for consumer credit in the Nordic region,
2005
- Figure 113: Following a slowdown in 2001-2, real GDP growth in the
Nordic are has picked up, 2000-2005
- Figure 114: Sweden has the highest level of liquid assets in the
Nordic region, 2004
- Figure 115: 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 116: The four pillars of Nordic Banking, 2006
- Figure 117: 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 118: 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 119: Finland has the highest level of consumer credit as a
proportion of total retail lending, but this has been falling, 2001-2005
- Figure 120: Denmark has the highest level of consumer credit, in the
Nordics, in relation to its overall economy, 2005
- Figure 121: Norwegians have the highest outstanding consumer credit
debt in the Nordic region, 2005
- Figure 122: Personal loans are the major consumer credit product in
the Nordic region, 2004
- Figure 123: Regulatory overview of Denmark, 2006
- Figure 124: Regulatory overview of Finland, 2006
- Figure 125: Regulatory overview of Norway, 2006
- Figure 126: Regulatory overview of Sweden, 2006
- Figure 127: Banks in the Nordic region dominate the consumer credit
market, 2004
- Figure 128: Danske Bank is the leading consumer credit provider in the
Nordic region, 2004
- Figure 129: DnB NOR is the leading credit card lender in the Nordics,
2004
- Figure 130: Acquisitions of banks by the top five consumer credit
providers in the Nordics, 1997-2005
- Figure 131: Lenders are advertising on online auction sites, which are
increasingly popular in Sweden, 2006
- Figure 132: 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 133: Key statistics for the Portuguese consumer credit market,
2005
- Figure 134: Despite experiencing positive economic growth in 2004-5,
the Portuguese economy remains fragile, 2001-2005
- Figure 135: Despite declining significantly in recent years, inflation
is still running at a relatively high level, 2000-2005
- Figure 136: Unemployment in Portugal has risen in recent years,
2001-2005
- Figure 137: The structure of the Portuguese banking industry, 2005
- Figure 138: In terms of new lending, consumer credit growth has been
weak, 2001-2005
- Figure 139: The Portuguese consumer credit market has performed poorly
over the last five years, but balances have increased, 2001-2005
- Figure 140: Consumer credit as a proportion of total lending has
fallen in Portugal over the last five years, 2001-2005
- Figure 141: Motor finance accounts for the largest proportion of
consumer credit balances in Portugal, 2004
- Figure 142: Regulatory overview of Portugal, 2004
- Figure 143: Banks have the largest share of balances outstanding of
consumer credit in Portugal, 2004
- Figure 144: Millennium BCP is the leading consumer credit provider in
Portugal, 2004
- Figure 145: Millennium BCP is the leading credit card lender in
Portugal, 2004
- Figure 146: Consolidation in the Portuguese consumer credit market,
2000-2005
- Figure 147: 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 148: Key statistics for the Spanish consumer credit market, 2005
- Figure 149: GDP growth in Spain slowed in 2000 and 2001, but has since
recovered, 2000-2005
- Figure 150: The services sector is the greatest contributor to Spanish
GDP, 2005
- Figure 151: Inflation in Spain has been consistently over three per
cent in recent years, 2000-2005
- Figure 152: Despite declining slightly in recent years, unemployment
in Spain remains high, 2002-2005
- Figure 153: The three pillars of Spanish banking, 2005
- Figure 154: Banks in Spain in the three pillars, 2005
- Figure 155: Consumer credit gross advances in Spain have been rising
fast, 2001-2005
- Figure 156: Consumer credit balances outstanding in Spain have been
rising year-on-year, 2001-2005
- Figure 157: Consumer credit rose for the first time as a proportion of
total retail lending in Spain, 2001-2005
- Figure 158: Retail finance is the major consumer credit product in
terms of gross advances in Spain, 2004
- Figure 159: In terms of balances outstanding personal loans are the
major consumer credit product in Spain, 2004
- Figure 160: Regulatory overview of Spain, 2005
- Figure 161: Santander is the leading consumer credit provider in Spain
in terms of outstanding balances, 2004
- Figure 162: Santander is the leading credit card lender in Spain, 2004
- Figure 163: Mergers and acquisitions in the Spanish banking market,
1998-2005
- Figure 164: Gross advances in the Spanish consumer credit market will
grow at a CAGR of 10.4 per cent to reach €87.0 billion in 2010, 2001-2010f
- Figure 165: Key statistics for the Turkish consumer credit market, 2005
- Figure 166: The performance of Turkey' s economy has fluctuated
experiencing a major recession in 2001, 2000- 2005
- Figure 167: After peaking in 2001, inflation in Turkey has fallen,
2000-2005
- Figure 168: Unemployment has been rising in recent years, 2000-2005
- Figure 169: The three pillars of Turkish commercial banking, 2006
- Figure 170: Consumer credit gross advances have risen rapidly in
Turkey, 2001-2005
- Figure 171: Consumer credit balances outstanding have risen rapidly in
Turkey, 2001-2005
- Figure 172: Consumer credit is the main form of retail lending in
Turkey, 2001-2005
- Figure 173: Credit cards are the leading consumer credit product in
Turkey, 2004-2005
- Figure 174: Banks have the largest share of consumer credit balances
outstanding in Turkey, 2004
- Figure 175: In 2004, Akbank were the leading suppliers of consumer
credit in Turkey, 2004
- Figure 176: Garanti Bankasi is the leading credit card lender in
Turkey, 2004
- Figure 177: The process of Akbank' s "Speedy Cell Credit, 2006
- Figure 178: Gross advances in the Turkish consumer credit market will
grow at CAGR 17.6 per cent to reach €169.1 billion in 2010, 2001-2010f
- Figure 179: Datamonitor' s core consulting capabilities
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