Mortgages in the Czech Republic 2007 (Market Guide)

Table of Contents

• Overview
• Summary
• Executive Summary
• Market size
• Forecasts
• Key issues
• Key market players
• Table of Contents
• Table of figures
• Table of tables
• Market Context
• Country overview
• Demographic and economic data of selected European countries
• Demographic data
• Economic data
• Housing market
• Dwelling stock
• House prices
• Government housing intervention
• Taxes, subsidies and housing schemes
• Market data
• Mortgage interest rates
• Market size
• Balances outstanding
• Gross advances
• Product lines
• Market structure
• Structure of the Czech retail banking sector
• Categories of financial institutions
• Commercial banks
• Building societies
• Credit and savings co-operatives
• Mortgage market structure
• Market share by player type
• Funding
• Distribution
• Regulatory environment
• Industry regulators
• Czech National Bank (Department of Banking Regulation and Supervision)
• The Office of Supervision of Savings and Credit Cooperatives
• Industry associations
• Czech Banking Association
• Credit bureaus
• The Central Register of Credits (CRC)
• Czech Banking Credit Bureau (CBCB)
• Regulatory issues and developments in the mortgage market
• The birth of an integrated European mortgage market is still very far off
• Basel II will mean a number of changes for lenders
• Recent national mortgage-related legislation
• Key issues in the mortgage market
• Competitor and Product Overview
• Top three mortgage lenders
• Market share by balances outstanding
• Product analysis
• Typical product characteristics
• Market Forecasts
• Forecasting gross advances
• Gross advances in the Czech residential mortgage market will reach € 23.5 billion in 2011
• Future prospects
• Market attractiveness
• Market inhibitors

• Supplementary data
• Definitions
• Balances outstanding
• CAGR
• Fixed rate mortgage
• Gross advances
• Loan-to-value (LTV)
• Mortgage intermediary
• Remortgaging/refinancing
• Variable mortgage
• Forecasting methodology
• Research methodology
• Further reading
• European Mortgages
• Ask the analyst
• Datamonitor consulting
• Disclaimer

• Table 1: Forecast of residential mortgage gross advances in the Czech market , 2005-11f, (€ m) 2
• Table 2: Total population across European countries, 2002-06
• Table 3: GDP at current rates across European countries, 2002-06, (€ bn)
• Table 4: GDP per capita at current rates across European countries, 2002-06, (€ )
• Table 5: GDP growth rates across European countries, 2002-06, (%)
• Table 6: GDP composition by sector across European countries, 2006, (%)
• Table 7: Inflation across European countries, 2002-06, (%)
• Table 8: Unemployment rates across European countries, 2002-06, (%)
• Table 9: Age of the Czech Republic' s dwelling stock, 2001
• Table 10: Residential mortgage balances outstanding compared to GDP of selected European countries, 2006, (%)
• Table 11: Market share of top three competitors in the Czech residential mortgage market, 2005-06, (€ m)
• Table 12: Forecast of residential mortgage gross advances in the Czech market , 2005-11f, (€ m)
• Table 13: Typical mortgage interest rate and repo rate in the Czech Republic, Q3 2004-Q4 2006
• Table 14: Mortgage balances outstanding in the Czech mortgage market, 2002-06, (€ m)
• Table 15: Mortgage net lending in the Czech mortgage market, 2002-06, (€ m)
• Table 16: Mortgage gross advances in the Czech mortgage market, 2002-06, (€ m)

• Figure 1: Gross advances have grown significantly over the last five years in the Czech Republic
• Figure 2: Ceska Sporitelna has the largest market share of the mortgage market in the Czech Republic, 2005-06
• Figure 3: A snapshot of the Czech Republic' s key statistics, 2006 9
• Figure 4: The dwelling stock in the Czech Republic has grown slightly over 2001-05
• Figure 5: Owner-occupation is low in the Czech Republic compared to other European countries, 2001
• Figure 6: Typical mortgage interest rates fell in the Czech Republic to 4.91% in Q4 2006
• Figure 7: Residential mortgage balances outstanding in the Czech Republic have grown exponentially in recent years
• Figure 8: Net lending stood at € 3.7 billion in 2006
• Figure 9: Gross advances have grown significantly over the last five years in the Czech Republic
• Figure 10: Large banks accounted for 54.6% of gross advances in the Czech Republic in 2006
• Figure 11: Ceska Sporitelna has the largest market share of the mortgage market in the Czech Republic, 2005-06
• Figure 12: Gross advances in the Czech mortgage market are forecast to reach € 23.5 billion in 2011