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Consumer Credit in France

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    Report

  • 16 Pages
  • October 2022
  • Region: France
  • Euromonitor International
  • ID: 1449306
Consumer credit and, particularly, card lending have gotten off to good starts in 2022. Despite a modest increase in outstanding balances, gross card lending is seeing positive factors to growth following the disruptions seen during the time of the COVID-19 pandemic and associated lockdowns. Whilst 2021 saw loosening of pandemic restrictions, alongside the vaccination campaign, some disruptions remained.

The Consumer Credit in France 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.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Consumer Credit market
  • Pinpoint growth sectors and identify factors driving change
  • Understand the competitive environment, the market’s major players and leading brands
  • Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

CONSUMER CREDIT IN FRANCEKEY DATA FINDINGS
2022 DEVELOPMENTS
  • 2022 heralds a positive outlook for consumer credit, albeit growth remains suppressed by consumer’s financial concerns
  • Auto lending is supported by the wider opening and operations of car dealerships, whilst education lending is tipped for ongoing growth
  • Leading players see benefits from adapting their strategies during a time of economic uncertainty
PROSPECTS AND OPPORTUNITIES
Sluggish growth expected in consumer lending, due to many threats and the possible drop of BNPL
  • Education lending becoming normalised in the local culture
  • Auto lending will be supported by the progression of second-hand vehicles in a financial cautious environment
CATEGORY DATA
  • Table 1 Consumer Credit: Outstanding Balance by Category: Value 2017-2022
  • Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
  • Table 3 Consumer Credit: Gross Lending by Category: Value 2017-2022
  • Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022
  • Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2022-2027
  • Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2022-2027
  • Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2022-2027
  • Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2022-2027
CONSUMER LENDING IN FRANCE
EXECUTIVE SUMMARY
  • Consumer lending in 2022: The big picture
  • 2022 key trends: auto lending is supported by the wider opening and operations of car dealerships, whilst education lending is tipped for ongoing growth
  • Mortgage/housing still dynamic despite rising rates and the slowdown of real estate
  • After an impressive start, BNPL seems to be already jeopardised in France
  • What next for consumer lending?
MARKET DATA
  • Table 9 Consumer Lending: Outstanding Balance by Category: Value 2017-2022
  • Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
  • Table 11 Consumer Lending: Gross Lending by Category: Value 2017-2022
  • Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022
  • Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2022-2027
  • Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2022-2027
  • Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2022-2027
  • Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2022-2027
DISCLAIMER
SOURCES
  • Summary 1 Research Sources