Consumer Credit in Greece 2006 by lonyoo

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Consumer Credit in Greece 2006

Description:    Greece has one of the fastest growing consumer credit markets in Europe. This report looks at how
                the consumer credit market in Greece has developed as it has grown in size. Covering market size,
                trend analysis, market forecasts, competitor market shares and key regulatory and competitor
                developments in the market.

                Scope of this title:
                - 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

                Highlights of this title:
                - The consumer credit market in Greece has accounted for a higher than normal share of the total
                retail lending market partly because of an underdeveloped mortgage market, but also because
                historically high interest rates have encouraged shorter term consumer credit borrowing over long
                term secured borrowing.
                - The slower growth of the POS market compared to the total consumer credit market is partly due
                to Greeks becoming more aware of different consumer credit products. This means that rather than
                taking the first product they are offered, Greeks now investigate and research different products to
                find the product that is most suited to their needs.
                - When the Bank of Greece revoked maximum limits on consumer credit in 2004, Greek banks
                started to offer a wider variety of consumer and personal loans to private individuals. The change in
                regulation led to Greek banks becoming more and more innovative in what is a competitive market.

                Reasons to order your copy:
                - Learn how the Greek 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 our opinion on the future performance of the Greek consumer credit market over the
                next five years and its future prospects



Contents:
                List of Figures

                List of Figures
                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
Sectoral composition of the economy
Inflation
Distribution of income (GINI Coefficient)
Unemployment
Demographics
Market structure
Commercial banks
Specialized credit institutions
Market data
Total consumer credit
Gross advances
Balances outstanding
Consumer credit per capita
Consumer credit product statistics
Consumer credit balances outstanding by product
Regulatory environment
Industry regulators
Bank of Greece
Hellenic Capital Market Commission
Industry associations
Hellenic Bank Association
Credit bureaux
Regulatory issues in the market
European consumer credit directive
The Central Bank scraps maximum loan limits in 2004


Chapter 3
Competitor and product overview
Top five consumer credit lenders
Market share by balances outstanding
Profiles of the top five consumer credit providers
EFG Eurobank
National Bank of Greece
Alpha Bank
Piraeus Bank
Emporiki Bank
Top five credit card lenders
Market share by balances outstanding
Competitor developments
Merger, acquisition and expansion activity in the Greek banking market
Foreign players have been buying stakes in Greek banks
Specialist European consumer credit providers are gaining presence in the Greek market
Product analysis
Typical product characteristics
Personal loans
Credit cards
POS finance
Overdrafts
Product innovation


Chapter 4
Forecasting the consumer credit market in greece
Forecasting gross advances
Gross advances in the Greek consumer credit market will reach €37.6 billion in 2010
A number of factors will drive this growth
Future prospects
Strengths
Weaknesses
Opportunities
Threats
Chapter 5
Appendix
Supplementary data
Definitions
Balances outstanding
CAGR
Consumer credit
Credit card
Gross advances
Point of sale motor finance
Retail finance
Forecasting methodology
Research methodology
Relevant readings
Our custom research capabilities
Retail Banking Team contact details


List of Tables
Table 1: Consumer credit gross advances and balances outstanding in Greece, 2001-2005
Table 2: GDP per capita for selected European countries, 2005
Table 3: Inflation in selected European countries, 2001- 2005
Table 4: GINI Coefficient for selected European countries
Table 5: Consumer credit balances outstanding compared to GDP of selected European countries,
2005
Table 6: Consumer credit balances outstanding per capita of selected European countries, 2005
Table 7: Forecast of consumer credit gross advances in the Greek market, 2004e-2010f
Table 8: Population numbers and demographic splits in Greece and other major European
countries, 2005
Table 9: The percentage of people over the age of 20 in the major European countries, 2005
Table 10: GDP at current rates across major European countries , 2005
Table 11: Real GDP growth rates, 2001-2005
Table 12: Unemployment rates 2000-2005
Table 13: GINI Coefficient for selected European countries 5
Table 14: Consumer credit gross advances in Greece, 2001-2005
Table 15: Consumer credit balances outstanding in Greece, 2001-2005
Table 16: Consumer credit as a proportion of total retail lending in Greece, 2001-2005
Table 17: Market shares of consumer credit balances outstanding by product in Greece, 2004
Table 18: Market share of total consumer credit balances outstanding for the top five Greek
consumer credit providers, 2004
Table 19: Market shares of credit card balances outstanding of the top five Greek credit card
providers,
List of Figures
Figure 1: Gross advances in the Greek consumer credit market will grow at a CAGR of 14.8 per cent
to reach €37.6 billion in 2010, 2001e-2010f
Figure 2: Eurobank is the leading consumer credit provider in Greece, 2004
Figure 3: Key statistics for the Greek consumer credit market, 2005
Figure 4: Greece has the second lowest GDP in 2005
Figure 5: Greece recorded the highest GDP growth, 2001 to 2005
Figure 6: The Greek economy is dominated by the services sector, 2005
Figure 7: Greece has a history of high unemployment, 2000-2005
Figure 8: Greeces population is of similar size to that of Belgium, 2005
Figure 9: Consumer credit gross advances grew at a CAGR of 28.8 per cent from 2001 to 2005
Figure 10: Consumer credit balances outstanding grew at a CAGR of 27.7 per cent from 2001 to
2005
Figure 11: Consumer credit accounts for a third of retail lending in Greece, 2001-2005
Figure 12: In terms of balances outstanding credit cards are the leading consumer credit product in
Greece, 2004
Figure 13: Regulatory overview of Greece, 2006
Figure 14: Eurobank is the leading consumer credit provider in Greece, 2004
Figure 15: Eurobank is the leading credit card lender in Greece, 2004
Figure 16: Mergers and acquisitions in the Greek banking market, 1999-2002
            Figure 17: Gross advances in the Greek consumer credit market will grow at a CAGR of 14.8 per
            cent to reach €37.6 billion in 2010, 2001-2010f
            Figure 18 Core consulting capabilities 6



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