Financing 2008 by sofiaie

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									Financing 2008                                                                                                                   Members

                                	   	          	               							The	58	credit	banks	of	the	Bankenfachverband	finance	private	consumption	
                                	   	          and	commercial	investments	in	Germany.	To	this	purpose	they	have	lent	108	billion	euros	to	consumers	and	companies.	
                                	   	          	               	           	          In	spite	of	the	decline	in	sales	in	2008	they	financed	1.9	million	motor	vehicles.	
                                	   	          															This	is	two	percent	more	than	in	the	previous	year.




Consumption	financing                                                                         Automotive	financing                                                                        Investment	financing

The	 credit	 banks	 finance	 private	 consumption	 at	 branch	                                                                                       	
                                                                                              The	most	important	item	in	consumer	and	investment	finance	                                 The	credit	banks	finance	commercial	investments	at	the	point	
banks,	 on	 the	 Internet	 and	 above	 all	 at	 the	 point	 of	 sale.	 In	                    is	the	motor	vehicle.	In	2008	the	credit	banks	increased	their	                             of	 sale	 or	 directly	 to	 the	 customer.	 Their	 portfolio	 grew	 in	
2008	they	increased	their	portfolio	by	six	percent.	Consumer	                                 loan	portfolio	by	three	percent.	Although	car	sales	dropped,	                               2008	by	ten	percent.	The	main	focus	of	investment	financing	
finance	mainly	involves	instalment	loans.                                                     the	credit	banks	financed	two	percent	more	vehicles.                                        is	loans	with	a	term	of	one	to	five	years.

Loan	business	29.4	bn	euros,	of	which	14.8	bn	automotive                                      Loan	business	25.2	bn	euros                                                                 Loan	business	15.2	bn	euros,	of	which	10.4	bn	automotive
Loan	portfolio	65.5	bn	euros,	of	which	31.5	bn	automotive                                     Loan	portfolio	48.5	bn	euros                                                                Loan	portfolio	24.0	bn	euros,	of	which	17.0	bn	automotive



Credit	banks	financed	this	for	retail	customers                                               The	credit	banks	financed	1.9	million	motor	vehicles                                        Credit	banks	financed	this	for	business	clients

Furniture,	kitchens,		                         RVs,	motorbikes	0.9	bn	euros	(3 %)                                                                                                         Special-purpose	technologies		                                                  Other	0.4	bn	euros	(2 %)
household	appliances,	                                                                        Other	vehicles	0.3	million	(18 %)                                                           0.5	bn	euros	(4 %)
EDP	2.0	bn	euros	(7%)                                                            Other	                                                                                                   Other	vehicles	
                                                                                                                                                                                                                                                                          Cars	7.1	bn	euros	(47 %)
                                                                   0.4	bn	euros	(1 %)                                                                                                     3.4	bn	euros	(22 %)
Cash	                                                                                                                                                                     Used	cars	      Trucks,	delivery	vans,	trailers	19%
12.2	bn	euros	(42%)                                                                           New	cars	                                                           1.0	million	( 52 %)     busses	2%	·	forklift	trucks,	cranes	1%

                                                          Cars	13.9	bn	euros	(47%)            0.6	million	(30 %)                                                                          Machines
                                                                                                                                                                                          3.8	bn	euros	(25 %)




Credit	 banks	 ABK	 Bank	 ·	 akf	 bank	 ·	 AKTIVBANK	 ·	 AUMA	 KREDITBANK	 ·	 AutoBank	 ·	 Banque	 PSA	 FINANCE	 ·	 BDK	 Bank	                                                        	      K E Y 	 F I G U R E S 	· 	T O T A L
BMW	Bank	·	BNP	PARIBAS	·	Brühler	Kreditbank	·	C&A	Bank	·	CB	Credit-Bank	·	Citibank	·	Credit	Europe	Bank	·	CreditPlus	Bank	                                                            	
                                                                                                                                                                                                                                   2008	(billion	euros)                      Change	to	2007	(%)
CRONBANK	 ·	 Deutsche	 Kreditbank	 ·	 Deutsche	 Leasing	 Finance	 ·	 Dresdner-Cetelem	 Kreditbank	 ·	 DZB	 BANK	 ·	 FCE	 Bank	
                                                                                                                                                                                             Loan	portfolio *                                           108.0                                      +	4.9
FELIX	 DELANG	 &	 CO.	·	FFS	 BANK	·	FGA	Bank	·	GE	Capital	Bank	·	GE	Money	Bank	·	GE	Money	Bank	(Switzerland)	·	GEFA	
GfK	Bank	·	GMAC	Bank	·	Hanseatic	Bank	·	Honda	Bank	·	HVB	Investitionsbank	·	IBM	Kreditbank	·	ING-DiBa	·	IVECO	Finance	                                                                       Loan	business *                                              95.0                                     +	4.3
KarstadtQuelle	 Bank	 ·	 Mercedes-Benz	 Bank	 ·	 MKB	 Bank	 ·	 MKG	 Bank	 ·	 netbank	 ·	 NordFinanz	 Bank	 ·	 norisbank	 ·	 RCI	 Banque	                                                     Branch	offices                                                932                                      - 0.1
readybank	·	Santander	Consumer	Bank	·	SKG	Bank	·	Süd-West-Kreditbank	·	TeamBank	·	TEBA	Kreditbank	·	TOYOTA	KREDIT-                                                                           Personnel	employeed                                       27,549                                       - 1.9
BANK	·	UniCredit	Consumer	Financing	Bank	·	Volkswagen	Bank	·	Volvo	Auto	Bank	·	VON	ESSEN	Bank	·	VR	DISKONTBANK	
                                                                                                                                                                                          * Incl. purchase financing and purchase of leasing receivables (new business 50.4 bn euros, portfolio 18.5 bn euros),
Western	Union	International	Bank	·	WW	Bank																																																																							 													 																															 		 as	of	3	April	2009     without mortgage financing and receivables outstanding accounts, without foreign members
Financing 2008                                                                                                                 Markets

                              	 	      	          	        While	companies	in	Germany	financed	more	investments	per	loan	in	2008,	
                              	 	      	          		German	consumers	borrowed	the	same	amount	of	money	for	private	consumption	as	in	the	year	before.	
                              The	market	leaders	in	consumption	financing	are	the	credit	banks	with	a	share	of	45	percent.	
                              	 	      	          	        	         They	represent	eleven	percent	of	the	market	for	investment	financing.




Consumption	financing                                                                        Automotive	financing                                                                     Investment	financing

At	 the	 end	 of	 2008	 consumers	 had	 borrowed	 0.2	 percent	                              In	 2008	 two	 percent	 fewer	 new	 motor	 vehicles	 and	 trailers	                      Investments	in	equipment	in	the	economy	as	a	whole	incre-
more	money	for	consumption	purposes	than	in	the	previous	                                    were	registered	in	Germany	than	in	the	previous	year.	Simi-                              ased	in	2008	by	five	percent.	Accordingly,	at	the	end	of	last	
year.	The	portfolio	is	therefore	at	the	same	level	as	six	years	                             larly,	 two	 percent	 fewer	 second-hand	 vehicles	 changed	 ow-                         year	 the	 companies	 had	 financed	 six	 percent	 more	 invest-
ago.	Private	consumption	increased	by	two	percent.                                           ners.	                                                                                   ments	per	loan	than	a	year	before.

Consumer	loans	in	Germany                                                                    New	automobile	registrations	in	Germany                                                  Business	loans	in	Germany



  223.7          224.1                                                                        3,969.0       3,910.0                                                                     1,259.7          1,332.6
                 + 0.2 %                                                                                     -1.5%                                                                                         + 5.8 %




  94.4           92.0      Non-instalment	loans                                                821.4	       820.4	    Other	vehicles
                                                                                                             -0.1%
                 - 2.6 %
                                                                                                                      including	trailers                                                 856.5             878.7          long-term
                                                                                                                                                                                                           + 2.6 %


  129.3          132.1     Instalments	loans                                                  3,148.0       3,090.0   Cars
                                                                                                             - 1.8%
                 + 2.2 %

                                                                                                                                                                                          261.6         294.8	(+12.7%)    short-term                         Portfolio	as	of	31	Dec.	
                           Portfolio	as	of	31	Dec.	in	billions	of	euros                                               Item	count	in	thousands                                             141.5         159.1	(+12.4 %)   medium-term                           in	billions	of	euros

  2007           2008      Source:	Deutsche	Bundesbank                                         2007          2008     Source:	KBA                                                         2007             2008                                                Source:	Deutsche	Bundesbank




Market	shares	instalment	loans                                                               Financing	type	new	motor	vehicles                                                        Market	shares	medium-term	business	loans

                                                         Other	12.1	bn	euros	(9 %)                                                                                Loans	57 %          Cooperative	banks	                                        Credit	banks	17.2	bn	euros	(11%)
Cooperative	banks	
                                                                 among	this	big	banks	(4%)
                                                                                                                                                     Point	of	sale	financing	27 %	
                                                                                                                                                                                 	    17.4	bn	euros	(11%)
22.4	bn	euros	(17%)
                                                                                                                                                            and	cash	/	direct	30 %
                                                                        Credit	banks	        Leasing	43 %
                                                              59.7	bn	euros	(45 %)                                                                                                    Big	banks	                                                                       Savings	banks	

                                                                                                                                                                                      22.6	bn	euros	(14 %)                                                      61.0	bn	euros	(38 %)
Savings	banks	
37.9	bn	euros	(29%)                                                                                                                                               Item	count          Other	
                                                             Source:	Deutsche	Bundesbank,                                                                                                                                                                      Source:	Deutsche	Bundesbank,
                                                                          own	calculations                                                      Source:	AKA	2009,	own	calculations    40.9	bn	euros	(26 %)                                                                  own	calculations




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                                                                                                                                                   Bankenfachverband	e.V.	·	Littenstraße	10	·	10179	Berlin	·	Germany	·	phone	+	 9	30	2462596-0	·	fax	-20	·	service@bfach.de	·	www.bfach.de

								
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