Retail Banking Market Dynamics: France - 2018

Retail Banking Market Dynamics: France - 2018

Summary

France’s retail deposits and mortgage markets performed well during 2013-17, but are expected to perform sluggishly over the next five years. Conversely, the credit card market fell during 2013-17 but is expected to slowly recover. France ranked among the countries with the lowest interest margins and profits in Europe between 2013 and 2017. The cost-to-income ratio remained high in France.

This report identifies macroeconomic and competitive dynamics that impact upon the French retail banking market. It provides insight into -

• The outlook for deposits, credit cards, personal loans, and mortgages.
• Net changes in market share across all four product areas.
• Overall financial performance including profitability, efficiency, and income sources.

Scope

• Credit Agricole, which leads the retail mortgage market in France, increased its market share the most in 2017.
• Credit card balances are expected to record a compound annual growth rate of 3.6% over 2018-22.
• Mortgage balances are expected to record a compound annual growth rate of 2.3% over 2018-22.

Reasons to buy

• Identify factors affecting growth prospects across the deposit, credit card, personal loan, and mortgage markets.
• Track competitor gains and losses in market share.
• Assess the financial performance of competitors.