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Consumers and Savings: The Present and the Future in France, Germany, and the United Kingdom

Published by: TowerGroup

Published: Aug. 13, 2007 - 15 Pages


Table of Contents


Report Coverage

Background

Why Consumers Save and Why They Use Banks

Savings and Borrowing Patterns Change over a Lifetime

Saving vs. Investing

Savings Rates in France vs. Germany vs. United Kingdom

Exhibit 1 Savings Ratios: France vs. Germany vs. United Kingdom (1995-2006)

Influences on Savings Rates

Exhibit 2 Tax-Advantaged Savings Accounts: France (2007)

Exhibit 3 Tax-Advantaged Savings Accounts: Germany vs. United Kingdom (2007)

Savings and Investing Patterns in France, Germany, and the United Kingdom

Exhibit 4 Market Share of Savings and Investments by Type: France, Germany, United Kingdom (Q4 2005)

Exhibit 5 Bank Deposits: France vs. Germany vs. United Kingdom (Q4 2005)

Banks' Competition for Consumer Savings

The Next 10 Years: Factors That Will Erode Pure Savings

Summary

Abstract

A nation's propensity to save is influenced by its government's tax and pension policies. This TowerGroup Research Note predicts that competition for savings deposits will increase in the next 10 years in France, Germany, and the United Kingdom and discusses the outcomes. The UK faces tough decisions on pension provision that will erode retail savings but foster product innovation, particularly in mortgages. In France, unless tax policy changes, cost cutting and service reduction are the likely outcomes for banks. In Germany, erosion of consumer deposit savings due to an aging population, combined with the competition from private banks, will speed the consolidation of savings banks.

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