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Retail Banking in Italy

The Apex Group
August 31, 2006
67 Pages - SKU: ODS1354012

Abstract Table of Contents Search inside this report Related Reports

Countries covered: Italy

The total asset value of the Italian Banking market, estimated at € 2,560 billion in 2005, represents the fourth largest market in Europe (after Germany, the UK and France). In terms of overall assets held in European banks, Italy accounts for approximately 8%.

This reports analyses trends in the industry between 2000 and 2005. Where current data are not available, unless stated otherwise, projections are made using the average rate of change during previous years. Figures are presented in euros.

Between 2000 and 2005, the Italian banking sector underwent significant change, in terms of both market size and competitive structure. The most important developments in the industry can be summarized as:

An estimated 43% expansion in the total assets value of banking products between 2000 and 2005.
High rates of growth in mortgages lending and consumer-spending, driven by a sustained period of low interest rate.
High growth in the supply of bank Automated Teller Machines (ATM), electronic Point of Sale devices (POS) and credit cards.
Increased regulation through the implementation of the European Financial Services Action Plan.
Internal reforms of the supervisory authorities to enhance the consumer protection and the transparency of the banking sector.

The aim of this report is to present key data relating to these changes, present them in an accessible manner, providing analysis in order to assess the state of the industry and, moving forward, to ascertain the key drivers of change.

Sources of data of particular importance are publications from Italian Central Bank, the Italian Banking Association and the European Banking Association.

Other sources of data include annual reports from banking companies, such as Unicredit Banking Group, Intesa Banking Group, Sanpaolo-IMI Banking Group, Monte dei Paschi di Siena Banking Group, Capitalia Banking Group.

Although the report deals exclusively with Italy, its scope is occasionally broadened where insight may be gained from placing the domestic market in a wider international context.

1 Introduction
2 Definition
3 Executive Summary
4 Market Size: 4.1 Total Value of Banking Products in Italy; 4.2 Total Value of Major Banks; 4.3 Italian Banks in the European Context
5 Market Sectors: 5.1 Savings; 5.2 Lending; 5.3 Delivery of services; 5.4 Technology
6 Market Share: 6.1 Share of Total Assets of Major Italian Banks
7 Market Structure: 7.1 Total Assets and Growth Rates; 7.2 Regulation
8 Key Players: 8.1 Unicredit Bank; 8.2 Intesa Bank; 8.3 Sanpaolo IMI Bank; 8.4 Monte dei Paschi di Siena Bank; 8.5 Capitalia Banking Group
9 Sources & Definitions: 9.1 References; 9.2. Marketing Contacts; 9.2 Key players’ Italian Web Pages
10 For Further Information: 10.1 Related Research & Analysis
LIST OF TABLES: Table 1: Italian Banking Products Market Size Measured by Total Assets of Italian Banks (€ Millions), 2000-2005(est.); Table 2: Major Banks Balance Sheet, 2000-2005; Table 3: Total Assets of European Banks, (€ billions), 2000 and 2004; Table 4: Total Deposits & Value of Current Accounts, (Millions Euros), 2000-2005; Table 5: Major Banks Deposits, (Millions Euros), 2000-2005; Table 6: Total Lending (€ millions), 2000-2005; Table 7: Household Loans and Non-Financial Firms Loans, (€ millions), 2000-2005; Table 8: Short-term Loans and Long-term Loans, (€ millions), 2000-2005; Table 9: Outstanding Mortgage Lending, (€ billions), 2000-2005; Table 10: Credit Card Lending, (€ millions), 2000-2005; Table 11: Number of Italian Branches, 2000-2005; Table 12: Number of Italian Bank Staff, 2000-2005; Table 13: Number of Italian ATMs, 2000-2005; Table 14: Number of Italian POSs, 2000-2005; Table 15: Number of Italian Internet Customer, 2000-2005; Table 16: Total Assets of Major Italian Banks (€ millions), 2000-2005; Table 17: Percentage Share of Total Assets of Major Italian Banks, 2005; Table 18: Total Assets & Average Growth Rates of Major Italian Banks, 2000-2005; Table 19: Unicredit Net Income, (Millions Euros), 2000-2005; Table 20: Unicredit Total Assets, (Millions Euros), 2000-2005; Table 21: Unicredit Branch Network, 2000-2005; Table 22: Unicredit Staff, 2000-2005; Table 23: Unicredit Advertising Expenditure, (Millions Euros), 2001-2005; Table 24: Intesa Bank Net Income, (Millions Euros), 2000-2005; Table 25: Intesa Bank Total Assets (Millions Euros), 2000-2005; Table 26: Intesa Bank Branch Network, 2001-2005; Table 27: Intesa Bank Staff, 2001-2005; Table 28: Intesa Bank Advertising Expenditure, (Millions Euros), 2001-2005; Table 29: Sanpaolo IMI Net Income (Millions Euros), 2000-2005; Table 30: Sanpaolo IMI Total Assets, (Millions Euros), 2000-2005; Table 31: Sanpaolo IMI Branch Network, 2000-20005; Table 32: Sanpaolo IMI Staff, 2000-2005; Table 33: Sanpaolo IMI Advertising Expenditure, (Millions Euros) 2000-2005; Table 34: MPS Net Income, (Millions Euros), 2000-2005; Table 35: MPS Total Assets, (Millions Euros), 2000-2005; Table 36: MPS Branch Network, 2000-2005; Table 37: MPS Staff, 2000-2005; Table 38: MPS Advertising Expenditure, (Millions Euros), 2000-2005; Table 39: Capitalia Net Income, (Millions Euros), 2000-2005; Table 40: Capitalia Total Assets, (Millions Euros), 2000-2005; Table 41: Capitalia Branch Network, 2000-2005; Table 42: Capitalia Staff, 2000-2005; Table 43: Capitalia Advertising Expenditure, 2000-2005
LIST OF FIGURES: Figure 1: Total Assets and Major Banks Assets, (€ Millions), 2000-2005.; Figure 2: Major Banks Aggregate Balance Sheet (€ millions), 2000-2005; Figure 3: Total Assets of European Banks, (€ billions), 2000 and 2004; Figure 4: Total Deposits & Value of Current Accounts, (Millions Euros), 2000-2005; Figure 5: Major Banks Deposits, (Millions Euros), 2000-2005; Figure 6: Total Lending (€ millions), 2000-2005; Figure 7: Composition of Household & Non-Financial Firms Loans, (€ millions), 2000-; 2005; Figure 8: Composition of Household & Non-Financial Firms Loans, (€ millions), 2000; Figure 9: Composition of Household & Non-Financial Firms Loans, (€ millions), 2005; Figure 10: Short-term Loans and Long-term Loans, (€ millions), 2000-2005; Figure 11: Outstanding Mortgage Lending, (€ billions), 2000-2005; Figure 12: Credit Card Lending, (€ millions), 2000-2005; Figure 13: Number of Italian Branches, 2000-2005; Figure 14: Number of Italian Bank Staff, 2000 - 2005; Figure 15: Number of Italian ATMs, 2000-2005; Figure 16: Number of Italian POSs, 2000-2005; Figure 17: Number of Italian Internet Customer, 2000-2005; Figure 18: Shares Total Assets of Major Italian Banks, 2005; Figure 19: Relative Market Share & Annual Growth of Major Italian Banks, 2000-2005 34; Figure 20: Unicredit Net Income, (Millions Euros), 2000-2005; Figure 21: Unicredit Total Assets, (Millions Euros), 2000-2005; Figure 22: Unicredit Branch Network, 2000-2005; Figure 23: Unicredit Staff, 2000-2005; Figure 24: Unicredit Advertising Expenditure, (Millions Euros), 2001-2005; Figure 25: Intesa Bank Net Income, (Millions Euros), 2000-2005; Figure 26: Intesa Bank Total Assets (Millions Euros), 2000-2005; Figure 27: Intesa Bank Branch Network, 2001-2005; Figure 28: Intesa Bank Staff, 2001-2005; Figure 29: Intesa Bank Advertising Expenditure, (Millions Euros), 2001-2005; Figure 30: Sanpaolo IMI Net Income (Millions Euros), 2000-2005; Figure 31: Sanpaolo IMI Total Assets, (Millions Euros), 2000-2005; Figure 32: Sanpaolo IMI Branch Network, 2000-2005; Figure 33: Sanpaolo IMI Staff, 2000-2005; Figure 34: Sanpaolo IMI Advertising Expenditure, (Millions Euros) 2000-2005; Figure 35: MPS Net Income, (Millions Euros), 2000-2005; Figure 36: MPS Total Assets, (Millions Euros), 2000-2005; Figure 37: MPS Branch Network, 2000-2005; Figure 38: MPS Staff, 2000-2005; Figure 39: MPS Advertising Expenditure, (Millions Euros), 2000-2005; Figure 40: Capitalia Net Income, (Millions Euros), 2000-2005; Figure 41: Capitalia Total Assets, (Millions Euros), 2000-2005; Figure 42: Capitalia Branch Network, 2000-2005; Figure 43: Capitalia Staff, 2000-2005; Figure 44: Capitalia Advertising Expenditure, 2000-2005

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