Consumer Finance in Denmark

Table of Contents

• CONSUMER FINANCE IN DENMARK : MARKET INSIGHT
• EXECUTIVE SUMMARY
• Strong Growth Due to Good Economic Performance
• Spending Slows in 2008 Due to Economic Recession
• Security for Internet Payments Improved
• Leading Banks Dominate Financial Cards
• Continued Strong Growth in Card Volume but
• Transaction Volume Growth Slows
• KEY TRENDS AND DEVELOPMENTS
• New Technology Emerges in Financial Cards
• Busy Consumer Lifestyles Result in Growing Demand for Convenience
• Economic Downturn Increases Take-up for Non-Secured Loans
• Players Continue to Focus on Combating Fraud
• Dankort Continues to Dominate Financial Cards
• MARKET DATA
  • Table 1 Consumer Payments: Value 2003-2008
  • Table 2 Financial Cards: Number of Cards in Circulation 2003-2008
  • Table 3 Financial Cards Transactions: Value 2003-2008
  • Table 4 Financial Cards: Number of Transactions 2003-2008
  • Table 5 Financial Cards: Number of Accounts 2003-2008
  • Table 6 Financial Cards: Number of Cards by Issuer 2003-2007
  • Table 7 Financial Cards: Number of Cards by Operator 2003-2007
  • Table 8 Financial Cards: Card Payment Transaction Value byOperator 2003-2007
  • Table 9 Financial Cards: Card Payment Transactions by Acquirer 2003-2007
  • Table 10 Consumer Payments Forecast: Value 2008-2013
  • Table 11 Financial Cards Forecast: Number of Cards in Circulation 2008-2013
  • Table 12 Financial Cards Forecast: Value 2008-2013
  • Table 13 Financial Cards Forecast: Number of Transactions2008-2013
  • Table 14 Financial Cards Forecast: Number of Accounts 2008-2013
• MARKET INDICATORS
  • Table 15 Number of POS Terminals 2004-2008
  • Table 16 Number of ATMs 2004-2008
  • Table 17 Disposable Income 2003-2008
  • Table 18 Value Lost to Fraud 2003-2008
  • Table 19 Acquirer Fraud 2003-2008
  • Table 20 Card Expenditure by Location 2008
  • Table 21 Card Expenditure by Sector 2008
  • Table 22 Financial Cards in Circulation by Type: % Number of Cards 2004-2008
  • Table 23 Domestic versus Foreign Spend 2008
• DEFINITIONS
  • Summary 1 Research Sources
• CONSUMER LENDING IN DENMARK
• EXECUTIVE SUMMARY
• Private spending slowing down
• Danes taking unsecured loans
• Number of bad payers increasing
• Danes wealth tied up in bricks
• Decline to continue for forecast period
• KEY TRENDS AND DEVELOPMENTS
• Consumer economic confidence falls to historic low
• Interest rate growth has negative impact
• Increased borrowing for luxury purchases
• Non-secured loans prove costly for many
• Growing popularity for leasing rather than buying
• MARKET DATA
  • Table 24 Consumer Lending By Sector: Outstanding Balance: Value 2003-2008
  • Table 25 Consumer Lending By Sector: Outstanding Balance: % Value Growth 2003-2008
  • Table 26 Consumer Lending By Sector: Gross Lending: Value 2003-2008
  • Table 27 Consumer Lending By Sector: Gross Lending: % Value Growth 2003-2008
  • Table 28 Consumer Lending: Non-performing vs Other Loans 2003-2008
  • Table 29 Mortgages/Housing: Non-performing vs Other Loans 2003-2008
  • Table 30 Consumer Credit: Non-performing vs Other Loans 2003-2008
  • Table 31 Forecast Consumer Lending By Sector: Outstanding Balance: Value 2008-2013
  • Table 32 Forecast Consumer Lending By Sector: Outstanding Balance: % Value Growth 2008-2013
  • Table 33 Forecast Consumer Lending By Sector: Gross Lending: Value 2008-2013
  • Table 34 Forecast Consumer Lending By Sector: Gross Lending: % Value Growth 2008-2013
• DEFINITIONS
  • Summary 2 Research Sources
• LOCAL COMPANY PROFILES - DENMARK
• IKANO SA - FINANCIAL CARDS AND PAYMENTS - DENMARK
• STRATEGIC DIRECTION
• KEY FACTS
  • Summary 3 Ikano SA: Key Facts
  • Summary 4 Ikano Group (Nordic countries, Germany, UK, Russia) Operational Indicators 2005-2007
• COMPANY BACKGROUND
• COMPETITIVE POSITIONING
  • Summary 5 Ikano SA Competitive Position 2007
• JYSKE BANK A/S - FINANCIAL CARDS AND PAYMENTS - DENMARK
• STRATEGIC DIRECTION
• KEY FACTS
  • Summary 6 Jyske Bank A/S: Key Facts
  • Summary 7 Jyske Bank A/S: Operational Indicators 2005-2007
• COMPANY BACKGROUND
• COMPETITIVE POSITIONING
  • Summary 8 Jyske Bank A/S: Competitive Position 2007
• LIC (LæRERNES INDKøBSCENTRAL) - FINANCIAL CARDS AND PAYMENTS - DENMARK
• STRATEGIC DIRECTION
• KEY FACTS
  • Summary 9 LIC (Lærerenes IndkøbsCentral) Key Facts
  • Summary 10 LIC (Lærerenes IndkøbsCentral) Operational Indicators 2005-2007
• COMPANY BACKGROUND
• COMPETITIVE POSITIONING
• PBS A/S (PAYMENT BUSINESS SERVICES OF DENMARK) -
• FINANCIAL CARDS AND PAYMENTS - DENMARK
• STRATEGIC DIRECTION
• KEY FACTS
  • Summary 11 PBS A/S (Payment Business Services of Denmark): Key Facts
  • Summary 12 PBS A/S (Payment Business Services of Denmark): Operational Indicators 2005-2007
• COMPANY BACKGROUND
• COMPETITIVE POSITIONING
  • Summary 13 PBS A/S (Payment Business Services of Denmark):
• Competitive Position 2007
• ATM TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 35 ATM Cards Sector Performance: 2003-2008
  • Table 36 ATM Cards Sector Performance: Number of Cards inCirculation 2003-2008
  • Table 37 ATM Cards Sector Performance: % Growth 2003-2008
  • Table 38 ATM Cards in Circulation Sector Performance: % Growth 2003-2008
  • Table 39 ATM Cards Forecast Sector Performance: 2008-2013
  • Table 40 ATM Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 41 ATM Cards Forecast Sector Performance: % Growth 2008-2013
  • Table 42 ATM Cards in Circulation Forecast Sector
• Performance: % Growth 2008-2013
• DEBIT TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 43 Debit Cards Sector Performance: 2003-2008
  • Table 44 Debit Cards Sector Performance: Number of Cards in Circulation 2003-2008
  • Table 45 Debit Cards Sector Performance: % Growth2003-2008
  • Table 46 Debit Cards in Circulation Sector Performance: Growth 2003-2008
  • Table 47 Debit Cards: Number of Cards by Issuer 2003-2007
  • Table 48 Debit Cards: Number of Cards by Operator2003-2007
  • Table 49 Debit Cards Transactions by Acquirer 2003-2007
  • Table 50 Debit Cards Payment Transaction Value by Operator2003-2007
  • Table 51 Debit Cards Forecast Sector Performance: 2008-2013
  • Table 52 Debit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 53 Debit Cards Forecast Sector Performance: % Growth2008-2013
  • Table 54 Debit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
• CREDIT CARD TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 55 Credit Cards Sector Performance: 2003-2008
  • Table 56 Credit Cards Sector Performance: Number of Cardsin Circulation 2003-2008
  • Table 57 Credit Cards Sector Performance: % Growth2003-2008
  • Table 58 Credit Cards in Circulation Sector Performance: % Growth 2003-2008
  • Table 59 Personal Credit Cards Sector Performance: 2003-2008
  • Table 60 Personal Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
  • Table 61 Personal Credit Cards Sector Performance: %Growth 2003-2008
  • Table 62 Personal Credit Cards in Circulation SectorPerformance: % Growth 2003-2008
  • Table 63 Commercial Credit Cards Sector Performance:2003-2008
  • Table 64 Commercial Credit Cards Sector Performance:Number of Cards in Circulation 2003-2008
  • Table 65 Commercial Credit Cards Sector Performance: %Growth 2003-2008
  • Table 66 Commercial Credit Cards in Circulation SectorPerformance: % Growth 2003-2008
  • Table 67 Credit Cards: Number of Cards by Issuer 2003-2007
  • Table 68 Credit Cards: Number of Cards by Operator2003-2007
  • Table 69 Credit Cards Transactions by Acquirer 2003-2007
  • Table 70 Credit Cards Payment Transaction Value byOperator 2003-2007
  • Table 71 Personal Credit Cards Payment Transaction Valueby Operator 2003-2007
  • Table 72 Commercial Credit Cards Payment Transaction Valueby Operator 2003-2007
  • Table 73 Credit Cards Forecast Sector Performance:2008-2013
  • Table 74 Credit Cards Forecast Sector Performance: Numberof Cards in Circulation 2008-2013
  • Table 75 Credit Cards Forecast Sector Performance: %Growth 2008-2013
  • Table 76 Credit Cards in Circulation Forecast SectorPerformance: % Growth 2008-2013
  • Table 77 Personal Credit Cards Forecast SectorPerformance: 2008-2013
  • Table 78 Personal Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 79 Personal Credit Cards Forecast SectorPerformance: % Growth 2008-2013
  • Table 80 Personal Credit Cards in Circulation ForecasSector Performance: % Growth 2008-2013
  • Table 81 Commercial Credit Cards Forecast SectorPerformance: 2008-2013
  • Table 82 Commercial Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 83 Commercial Credit Cards Forecast Sector Performance: % Growth 2008-2013
  • Table 84 Commercial Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
• CHARGE CARD TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 85 Charge Cards Sector Performance: 2003-2008
  • Table 86 Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
  • Table 87 Charge Cards Sector Performance: % Growth2003-2008
  • Table 88 Charge Cards in Circulation Sector Performance: %Growth 2003-2008
  • Table 89 Personal Charge Cards Sector Performance: 2003-2008
  • Table 90 Personal Charge Cards Sector Performance: Numberof Cards in Circulation 2003-2008
  • Table 91 Personal Charge Cards Sector Performance: %Growth 2003-2008
  • Table 92 Personal Charge Cards in Circulation SectorPerformance: % Growth 2003-2008
  • Table 93 Commercial Charge Cards Sector Performance:2003-2008
  • Table 94 Commercial Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
  • Table 95 Commercial Charge Cards Sector Performance: %Growth 2003-2008
  • Table 96 Commercial Charge Cards in Circulation SectorPerformance: % Growth 2003-2008
  • Table 97 Charge Cards: Number of Cards by Issuer 2003-2007
  • Table 98 Charge Cards: Number of Cards by Operator2003-2007
  • Table 99 Charge Cards Transactions by Acquirer 2003-2007
  • Table 100 Charge Cards Payment Transaction Value by Operator 2003-2007
  • Table 101 Personal Charge Cards Transaction Value byOperator 2003-2007
  • Table 102 Commercial Charge Cards Payment Transaction Value by Operator 2003-2007
  • Table 103 Charge Cards Forecast Sector Performance: 2008-2013
  • Table 104 Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 105 Charge Cards Forecast Sector Performance: %Growth 2008-2013
  • Table 106 Charge Cards in Circulation Forecast SectorPerformance: % Growth 2008-2013
  • Table 107 Personal Charge Cards Forecast Sector Performance: 2008-2013
  • Table 108 Personal Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
  • Table 109 Personal Charge Cards Forecast SectorPerformance: % Growth 2008-2013
  • Table 110 Personal Charge Cards in Circulation Forecas Sector Performance: % Growth 2008-2013
  • Table 111 Commercial Charge Cards Forecast SectorPerformance: 2008-2013
  • Table 112 Commercial Charge Cards Forecast SectorPerformance: Number of Cards in Circulation 2008-2013
  • Table 113 Commercial Charge Cards Forecast SectorPerformance: % Growth 2008-2013
  • Table 114 Commercial Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
• GENERAL PURPOSE PRE-PAID CARD TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 115 General Purpose Pre-paid Cards Sector Performance: 2003-2008
  • Table 116 General Purpose Pre-paid Cards SectorPerformance: Number of Cards in Circulation 2003-2008
  • Table 117 General Purpose Pre-paid Cards SectorPerformance: % Growth 2003-2008
  • Table 118 General Purpose Pre-paid Cards in CirculationSector Performance: % Growth 2003-2008
  • Table 119 General Purpose Pre-paid Cards by Type: % Numberof Cards 2004-2008
  • Table 120 General Purpose Pre-paid Cards: Number of Cards by Operator 2003-2007
  • Table 121 General Purpose Pre-paid Cards Transaction Valueby Operator 2003-2007
  • Table 122 General Purpose Pre-paid Cards Forecast SectorPerformance: 2008-2013
  • Table 123 General Purpose Pre-paid Cards Forecast SectorPerformance: Number of Cards in Circulation 2008-2013
  • Table 124 General Purpose Pre-paid Cards Forecast SectorPerformance: % Growth 2008-2013
  • Table 125 General Purpose Pre-paid Cards in CirculationForecast Sector Performance: % Growth 2008-2013
• STORE CARD TRANSACTIONS IN DENMARK
• HEADLINES
• TRENDS
• COMPETITIVE LANDSCAPE
• PROSPECTS
• SECTOR DATA
  • Table 126 Store Cards Sector Performance: 2003-2008
  • Table 127 Store Cards Sector Performance: Number of Cardsin Circulation 2003-2008
  • Table 128 Store Cards Sector Performance: % Growth 2003-2008
  • Table 129 Store Cards in Circulation Sector Performance: %Growth 2003-2008
  • Table 130 Store Cards: Number of Cards by Issuer 2003-2007
  • Table 131 Store Cards Forecast Sector Performance:2008-2013
  • Table 132 Store Cards Forecast Sector Performance: Numberof Cards in Circulation 2008-2013
  • Table 133 Store Cards Forecast Sector Performance: % Growth 2008-2013
  • Table 134 Store Cards in Circulation Forecast Sector Performance: % Growth 2008-2013