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Consumer Lending in Germany

Consumer Lending in Germany

Consumer lending continued its strong development in 2017 and for the third year in a row posted high single-digit growth rates in a rather mature market. From larger loans for an apartment to credit for a new fridge, car or sofa, almost everything was financed by Germans with a loan in 2017. Interest rates of around 2% for consumer loans from banks and rates up to 0% directly at the point of sale have largely encouraged this development and boosted consumers’ willingness to make new purchases.BRBREuromonitor International's Consumer Lending in Germany report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.BRBRProduct coverage: Consumer Credit, Mortgages/Housing. BRBRData coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.BRBRWhy buy this report?ULLI Get a detailed picture of the Consumer Lending market;/LILI Pinpoint growth sectors and identify factors driving change;/LILI Understand the competitive environment, the market’s major players and leading brands;/LILI Use five-year forecasts to assess how the market is predicted to develop./LI/ULBRBREuromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.


CONSUMER LENDING IN GERMANY
Euromonitor International
October 2017
LIST OF CONTENTS AND TABLES
Executive Summary
Historically Low Interest Rates Continue To Stimulate Consumer Lending
Home Lending Grows Fastest As Germans Invest in Refurbishments
Digitisation Exerts More Influence on Consumer Lending
Card Lending Continues To Benefit From An Increase in Credit Cards
Consumer Lending Is Expected To Continue To Grow, But at A Slower Pace
Market Data
Table 1 Consumer Lending: Outstanding Balance by Category: Value 2012-2017
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2012-2017
Table 3 Consumer Lending: Gross Lending by Category: Value 2012-2017
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2012-2017
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2017-2022
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2017-2022
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022
Sources
Summary 1 Research Sources
Headlines
Prospects
Consumer Credit Is Set To Continue To Grow Over 2017-2022, Albeit at A Slower Pace
Auto Lending, Card Lending and Home Lending Will Continue To Drive Consumer Credit's Growth Over the Forecast Period
Threats and Opportunities
Competitive Landscape
Low Interest Rates Stimulate Consumers To Take Out New Loans But at the Same Time Challenge Credit Institutions
Consumer Credit Is Traditionally Dominated by Domestic Banks
Education Lending Is Primarily Funded by Kreditanstalt Für Wiederaufbau (kfw)
Category Data
Table 13 Consumer Credit: Outstanding Balance by Category: Value 2012-2017
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2012-2017
Table 15 Consumer Credit: Gross Lending by Category: Value 2012-2017
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2012-2017
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2017-2022
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2017-2022
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022

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