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Consumer Lending in France

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    Report

  • 16 Pages
  • October 2022
  • Region: France
  • Euromonitor International
  • ID: 2758112
2022 is seeing ongoing recovery in consumer lending, which is mainly attributed to the now near absence of pandemic restrictions (for example, no more lockdowns), alongside an ongoing rebound in non-grocery purchases, primarily electronic and consumer appliances, home and garden, and media and educational games. Within this, the up-spending on items and refurbishment for the home has benefitted specialised card agencies.

The Consumer Lending 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: 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

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 1 Consumer Lending: Outstanding Balance by Category: Value 2017-2022
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2017-2022
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2022-2027
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2022-2027
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2022-2027
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2022-2027
DISCLAIMER
SOURCES
  • Summary 1 Research Sources
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 13 Consumer Credit: Outstanding Balance by Category: Value 2017-2022
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2017-2022
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2022-2027
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2022-2027
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2022-2027
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2022-2027