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Consumer Lending in Romania

  • ID: 2492230
  • Report
  • Region: Romania
  • 11 pages
  • Euromonitor International
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Consumption-led economic growth was the strategy in Romania in recent years. Although slowing, this continues in 2019. The country has a favourable macroeconomic environment, with double-digit salary growth towards the end of the review period, as well as increases in pensions and other incomes, coupled with low unemployment. To prevent the lending environment overheating, the national bank promoted new regulations. The most important of these was the debt-to-income (DTI) ratio.

The author's Consumer Lending in Romania 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.
Note: Product cover images may vary from those shown
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Consumer Lending in Romania

List of Contents and Tables
Executive Summary
Romanian National Bank Implements New Regulations To Control Market
Bank Tax Takes Industry by Surprise
Fixed Interest Rates Gaining Popularity
Confident Consumers Enter Into Long-term Financial Commitments
Growth in Housing Lending Set To Continue, Interest Rate Cap Expected
Market Data
Table 1 Consumer Lending: Outstanding Balance by Category: Value 2014-2019
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2014-2019
Table 3 Consumer Lending: Gross Lending by Category: Value 2014-2019
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2014-2019
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2014-2019
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2019-2024
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2019-2024
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2019-2024
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2019-2024
Definitions
Sources
Summary 1 Research Sources
Headlines
Prospects
Efforts To Control Lending Growth Prove Ineffective
Auto Lending Faces Competition From Alternatives, Educational Lending Growth Skewed by Rise From Low Base
Card Lending Popular Due To Flexibility, Convenience and Added-value Benefits
Competitive Landscape
Fragmented Industry Demonstrates Gradual Consolidation
Players Seek To Increase Convenience of Lending Applications
Interest Rate Cap Expected, With Implications for Both Players and Customers
Category Data
Table 13 Consumer Credit: Outstanding Balance by Category: Value 2014-2019
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2014-2019
Table 15 Consumer Credit: Gross Lending by Category: Value 2014-2019
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2014-2019
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2019-2024
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2019-2024
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2019-2024
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2019-2024
Note: Product cover images may vary from those shown
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