Market Guide: Retail Investment Market in Finland 2006

Published by: Datamonitor

Published: Jun. 19, 2007 - 31 Pages

Table of Contents

TABLE OF CONTENTS

Overview

Catalyst

Summary

Executive Summary

The Finnish retail savings and investments sector has grown at a compound annual rate of 6.6% in the last 5 years; however a reduced rate of growth is expected between 2006 and 2010

MARKET OVERVIEW

Between 2001 and 2005, the Finnish retail savings and investments market experienced compound annual growth of 6.6%, driven primarily by growth in mutual funds

MARKET FORECASTS

Household portfolios will see marginally higher allocations to mutual funds and equities between 2006 and 2010

MARKET REGULATION

Legislation aimed at improving investor confidence and consumer protection imposes additional obligations on providers

COMPETITIVE MARKET STRUCTURE

The leading Finnish banks and asset management companies control more than 75% of their respective markets

MARKET LEADERS

The top three banks also lead the Finnish mutual funds sector

APPENDIX

Further reading

Ask the analyst

Datamonitor consulting

Disclaimer

TABLE OF FIGURES

Figure 1: Retail assets account for more than three-quarters of deposits, but less than half of all other asset classes in 2005

Figure 2: Deposits and equity together represent 86% of retail savings

Figure 3: At 26%, compound annual growth in retail mutual funds outstripped all other asset classes between 2001 and 2005

Figure 4: The proportional decline in household assets in deposits will be offset by increases in assets in mutual funds and equities

Figure 5: Finnish commercial banks account for 3% of the market, by number

Figure 6: Nordea Bank Finland Group leads the banking sector, with a market share of 39%

Figure 7: Nordea Fund Management Finland accounts for 30% of the mutual funds market

Figure 8: Equity funds and asset allocation funds together account for 71% of the market, by number

TABLE OF TABLES

Table 1: Total Savings & Investments segmented by retail v institutional, EURm, as at Dec 2005

Table 2: Total Savings & Investments segmented by retail v institutional, in percentages, as at Dec 2005

Table 3: Retail Savings & Investments, segmented by asset class, EURm, as at Dec 2005

Table 4: Retail Savings & Investments, segmented by asset class, EURm, 2001 - 2005

Table 5: Retail Savings & Investments, segmented by asset class, in percentages, 2001 - 2005

Table 6: Retail Savings & Investments, segmented by asset class, EURm, 2006 - 2010

Table 7: Retail Savings & Investments, segmented by asset class, in percentages, 2006 - 2010

Table 8: Number of banks segmented by type, as at Dec 2005

Table 9: Top 5 banking groups by customer deposits, as at Dec 2005

Table 10: Top 5 asset management companies by mutual fund assets under management (AuM), as at Dec 2005

Table 11: Number of mutual funds, segmented by type, as at Dec 2005

Abstract

This report is most appropriate for companies looking for an overview of the retail investments markets in order to assess the level of market opportunity (using our market data and forecasts), regulatory barriers and opportunities, and level of competition in the market. For more detailed market data please refer to Datamonitor's Retail Savings and Investments Interactive Database 2006.

Presents competitor market data for retail banks and mutual fund companies;

Assesses regulatory barriers and opportunities;

5 years historic data from 2001-5 and 5 year forecast to 2010.

The Finnish retail savings and investments sector accounts for 27% of the total savings and investments market. Within household portfolios, deposits represent the largest asset class. However, between 2002 and 2005, the proportional allocation of household assets to mutual funds increased steadily.

In 2005, household mutual fund assets were split among bond funds (47.5%), equity funds (36.8%), balanced funds (12.1%) and other funds (3.6%). The removal of wealth tax, effective tax year 2006, is expected to boost future household investment in funds.

A Government bill submitted in August 2006 proposes amendments to the Real Estate Funds Act and the Mutual Funds Act. The bill seeks to introduce supplementary provisions on special mutual funds that mainly invest in real estate and real estate securities to the Mutual Funds Act.

Get an overview of the retail investment market, including past growth and forecast growth;

Assess regulatory barriers and opportunities affecting retail investments in this country;

Analyze competition from retail banks and mutual fund companies.

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