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Consumer Lending in Germany

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    Report

  • 16 Pages
  • November 2020
  • Region: Germany
  • Euromonitor International
  • ID: 2315955
In 2020, the outbreak of COVID-19 led to a sudden slowdown in consumer lending in Germany, thereby altering its long-lasting value growth trajectory. This was due to the immediate economic impact of COVID-19, which reversed the key drivers for the growing propensity of German consumers to take out loans in recent years. Income losses and a high level of uncertainty about economic prospects as a result of the pandemic swiftly reduced demand for consumer lending.

The Consumer Lending in Germany 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: Consumer Credit, Mortgages/Housing.

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 Lending 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

EXECUTIVE SUMMARY
  • COVID-19 impact on consumer lending
  • COVID-19 country impact
  • Bleak economic context leads to decline in new loans
  • Long-term shift towards online consumer lending continues
  • COVID-19 has relatively low impact on mortgages
  • What next for consumer lending?

MARKET DATA
  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2015-2020
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2015-2020
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2020-2025
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2020-2025
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025

DISCLAIMERGLOBAL MACROECONOMIC ENVIRONMENTGLOBAL INDUSTRY ENVIRONMENT
SOURCES
  • Summary 1 Research Sources

KEY DATA FINDINGS
2020 IMPACT
  • COVID-19 results in shrinking new business and loan defaults
  • Auto and education lending are both impacted, one negatively, the other positively
  • Government policies aim to restore and increase consumer confidence

RECOVERY AND OPPORTUNITIES
  • Speedy economic recovery could enable return to previous trends
  • Banks continue to have strong incentive to grant loans
  • Shift towards digital lending provides growth opportunities

CATEGORY DATA
  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2015-2020
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2015-2020
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2020-2025
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2020-2025
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025

Samples

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