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SUMMARY
Overview
Introduction
Short report analyzing the consumer credit market in Italy. Covers market
size, trend analysis, market forecasts, competitor market shares and key
regulatory and competitor developments in the market.
Scope
- Covers the consumer credit market (not including any loans secured on
property)
- Provides market sizing data in terms of gross advances and balances
outstanding
- Provides competitor market share for the top five players in terms of
balances outstanding; a short profile of the top players is also provided
- Provides competitor market share for the top five credit card lenders in
terms of balances outstanding
Report Highlights
The Italian consumer credit market has seen strong growth over the last five
years, with both gross advances and balances outstanding rising at fast rates.
However, the consumer credit market has not been growing as quickly as the
Italian mortgage market.
The key factors contributing to growth in the Italian market have been a low
base rate and a low level of indebtedness. However, an inefficient legal
system and a resistance to borrowing held the market back from growing even
faster.
The Italian market is small and relatively under-exploited compared to the
rest of Western Europe. However, recent years have seen tremendous growth - in
particular with credit cards and point of sale finance - with many banks
looking to take advantage of this unexploited market.
Reasons to Purchase
- Learn how the Italian consumer credit market has developed over the last
five years
- Understand the recent developments in the market in terms of regulation,
competition and product innovations
- Find out Datamonitor's opinion on the future performance of the Italian
consumer credit market over the next five years and its future prospects
TABLE OF CONTENTS
- OVERVIEW
- Market Size
- Future Growth Indicators
- Key market players
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- Structure of report
- CHAPTER 2 MARKET CONTEXT
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets in Italy
- Demographics
- Population and demographic split
- Unemployment
- Market structure
- Limited liability banks
- Co-operative banks
- Savings Banks
- Market size
- Total consumer credit
- Gross advances
- Balances outstanding
- Consumer credit as a proportion of total retail lending
- Consumer credit as a proportion of GDP
- Consumer credit per capita
- Italy's consumer credit market remains underdeveloped, mainly as a
result of formerly high interest rates and high saving rates
- Consumer credit product statistics
- Consumer credit gross advances by product
- Consumer credit balances outstanding by product
- Retail finance is on the increase for the second time of trying
- The Italian motor finance market has been growing strongly in recent
years
- Credit cards are becoming more popular in Italy
- Regulatory environment
- Industry regulators in Italy
- Industry associations
- Associazione Bancaria Italiana - ABI
- ACRI
- Banche Credito Cooperativo - BCC
- Associazione Italiana del Credito al Consumo e Immobiliare - Assofin
- Credit bureaux
- EURISC - CRIF Credit Protection Bureau
- Consorzio per la tutela del credito - CTC
- Regulatory issues in the market
- European consumer credit directive
- Investment by foreign banks has been hindered in the past
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Consumer credit market shares by institute
- Consumer credit market shares by competitor
- Profiles of the top five consumer credit providers
- Findomestic (Cetelem)
- Banca Intesa
- Fiditalia
- Banca Unicredito
- Banca Monte Dei Paschi Group
- Top five credit card lenders
- Market share by balances outstanding
- Competitor developments
- The Italian banking market has become more consolidated
- Attititudes towards consumer credit have been changing
- Much of the new bank interest has been due to changes in regulation
- Competition is increasing in Italy
- Capitalia looks to expand its business to cover the whole of Italy
- Product analysis
- Typical product design of personal loans
- Product innovations in the market
- Distribution
- ING have used the Internet to enter the Italian market
- CHAPTER 4 FORECASTING THE CONSUMER CREDIT MARKET IN ITALY
- Forecasting gross advances
- Gross advances in the Italian consumer credit market will reach €68.3
billion in 2010
- A number of factors will determine this growth
- Future prospects
- Strengths
- Weakness
- Opportunities
- Threats
- CHAPTER 5 APPENDIX
- Supplementary data
- Definitions
- Forecasting methodology
- Research methodology
- Relevant readings
- Datamonitor's custom research capabilities
- SPP writing team
- How to contact experts in your industry
- List of Tables
- Table 1: Consumer credit gross advances and balances outstanding in
Italy, 2001-2005e
- Table 2: Ranking of selected European countries by GDP, 2005
- Table 3: GDP per capita for selected European countries, 2005
- Table 4: Composition of Italy's GDP by sector, 2005
- Table 5: GINI Coefficient for selected European countries, 2005
- Table 6: Segmentation of liquid assets in Italy, 2004
- Table 7: Population distribution according to age group in Italy, 2005
- Table 8: Consumer credit balances outstanding compared to GDP of
selected European countries, 2005
- Table 9: Consumer credit balances outstanding per capita of selected
European countries, 2005
- Table 10: Forecast of consumer credit gross advances in the Italian
consumer credit market, 2004-2010f
- Table 11: Rate of growth of GDP in Italy, 2000-2005
- Table 12: Labor statistics in Italy, 2000-2005
- Table 13: Consumer credit gross advances in Italy, 2001-2005
- Table 14: Consumer credit balances outstanding in Italy, 2001-2005
- Table 15: Consumer credit as a proportion of total Retail Lending in
Italy, 2001-2005
- Table 16: Market shares of consumer credit gross advances by product
in Italy, 2004
- Table 17: Market shares of consumer credit balances outstanding by
product in Italy, 2004
- Table 18: Market share of total consumer credit balances outstanding
for the top five Italian consumer credit providers, 2004
- Table 19: Market share of credit card balances outstanding of the top
five Italian credit card providers, 2004
- List of Figures
- Figure 1: Gross advances in the Italian consumer credit market will
grow at a CAGR of 4.2 per cent to reach €68.3 billion in 2010, 2001-2010f
- Figure 2: Findomestic is the leading consumer credit provider in
Italy, 2004
- Figure 3: Key statistics for the Italian consumer credit market, 2005
- Figure 4: The Italian economy has performed poorly in recent years,
2001-2005
- Figure 5: The Italian inflation rate has fluctuated around the two per
cent market in recent years, 2000-2005
- Figure 6: Unemployment in Italy has been falling in recent years,
2000-2005
- Figure 7: In terms of new lending, the Italian consumer credit market
has grown rapidly, 2001-2005
- Figure 8: Consumer credit balances outstanding have grown nearly as
fast as new lending in the Italian market, 2001-2005
- Figure 9: Consumer credit now accounts for a marginally smaller share
of the retail lending market compared to five years ago, 2001-2005
- Figure 10: Motor finance accounts for the largest share of consumer
credit gross advances in Italy, 2004
- Figure 11: In terms of balances outstanding, motor finance is the
leading consumer credit product in Italy, 2004
- Figure 12: Regulatory overview of Italy, 2004
- Figure 13: Banks have the largest share of consumer credit balances
outstanding in Italy, 2004
- Figure 14: Findomestic is the leading consumer credit provider in
Italy, 2004
- Figure 15: Unicredito is the leading credit card lender in Italy, 2004
- Figure 16: Main mergers in Italy, 1998-2005
- Figure 17: Gross advances in the Italian consumer credit market will
grow at a CAGR of 4.2 per cent to reach €68.3 billion in 2010, 2001-2010f
- Figure 18: Datamonitor's core consulting capabilities
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