Subscription

Service

Need more than one report? Subscribe to Key Note today for immediate access to market research, company information, a unique bespoke report generator and our easy to use sales leads builder. Request a free online demo

Consumer Credit & Debt Market Assessment 2002


« Back to Market Assessment categories

Previewing a Market Assessment

Published Date :
November 2002find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
17 Chapters

Table of Contents

The table of contents below is for Consumer Credit & Debt 2002

Executive Summary

1. Introduction

Background

Definition

Personal Loans

Charge Cards

Credit Cards

Store Cards

2. Strategic Overview

Unemployment And Earnings

Unemployment

Table: Uk Claimant Unemployment And Average Earnings Growth Rate (%),-2001

Prices, Interest Rates And Savings

Table: Consumer Expenditure And Retail Price Index (index=100),-2001

Table: Interest Rates, Saving Ratios, Equity Prices, Net Financial Assets And House Prices (% And Index=100),-2001

Personal Sector Financial Assets

Table: Uk Personal Sector Gross Financial Wealth (£い£bn And Ratio),-2002

Table: Uk Personal Sector Financial Liabilities: Mortgage Lending (£い£bn),-2002

Table: Uk Consumer Credit (£い£bn),-2002

Table: Uk Personal Sector: Total Financial Liabilities (£い£bn And Ratio),-2002

Credit Rating

How Credit Rating Works

Implications Of Credit Rating

Market Dynamics And Segmentation

Net Lending

Table: Net Lending For Consumer Credit (£い£m),-2002

Table: Credit-card Lending (£い£m And Index=100),-2002

Market Sectors

Distribution

Competitive Structure

Regulations

Consumer Credit Act

Protection Under The Act

Cancelling A Credit Agreement

Default Notice

Court Orders

Unfair Agreements

Suing The Seller Or Credit Provider

Written Information

Task Force On Overindebtedenss

European Directive On Consumer Credit

Self-regulation

Finance Industry Standards Association

Advertising

Table: Main Media Advertising Expenditure On Credit And Debit Products (£い£000), Year Ending June

Figure: Main Media Advertising Expenditure On Credit And Debit Products (£い£000), Year Ending June

The Consumer

Market Forecasts

Consumer Confidence

3. Banks

Background

Table: Banks' Share Of Annual Net Lending To Consumers (% And Index=100),-2002

Market Size

Market Leaders

Table: Top Nine Banks By Loans And Advances To Customers (£い£m),

Marketing Activity

Distribution

Branches

Table: The Branch Networks Of The Mbbg In Great Britain,-2002

Atms

Table: Cash Dispensers And Atms Of The Mbbg In Great Britain (number And Index=100),-2002

4. Building Societies And Credit Unions

Building Societies

Market Size

Market Leaders

Table: Top Five Building Societies In The Uk By Assets (£い£m),

Figure: Top Five Building Societies In The Uk By Assets (£い£m),

Distribution

Table: The Uk Building Society Branch Network (number And Index=100),-2002

Credit Unions

5. Finance Houses

Market Size

Secured Loans

Background

Market Shares

Table: Consumer Finance Provided By Fla Members (£い£m And Index=100),-2001

Consumer Trends

Advertising

Table: Main Media Advertising Expenditure On Secured Personal Loans (£い£000), Year Ending June

Distribution

Subsidiaries Of Financial Institutions

Financial Supermarkets

Finance Brokers

Unsecured Loans

Background

Market Shares

Consumer Trends

Advertising

Table: Main Media Advertising Expenditure On Unsecured Personal Loans (£い£000), Year Ending June

Distribution

6. Credit Cards

Background

Market Size

Market Leaders

Table: Number Of Credit Cards In Issue (million),

Consumer Trends

Customisation

Overseas: Cheap Euros?

Table: Standard Credit Cards Offering Lowest International Charges (%),

Advertising

Table: Main Media Advertising Expenditure On Credit Cards (£い£000), Year Ending June

Distribution

7. Charge Cards

Market Size

American Express

Diners Club

Market Volume

Table: American Express And Diners Club Charge Cards In Issue In The Uk (000),-2002

Consumer Trends

Marketing Activity

Distribution

American Express

Diners Club

8. Debit Cards

Market Size

Market Volume

Table: Number Of Debit Cards In Issue In The Uk (000 And %),-2002

Figure: Number Of Debit Cards In Issue In The Uk (000),-2002

Marketing Activity

Table: Main Media Advertising Expenditure On Debit Cards (£い£000), Year Ending June

Distribution

Switch

Visa

9. Store Cards

Market Size

Table: Number Of Store Card Transactions In The Uk By Volume (million And Index=100),-2002

Market Share

Table: Leading Retail Card Issuers By Market Share By Volume (% Of Cards Issued),

Figure: Leading Retail Card Issuers By Market Share By Volume (% Of Cards Issued),

Advertising

Distribution

10. Debt

Background

Debt Helpline

Loan Sharks

Government As Nurse?

Debt Consolidators

11. An International Perspective

Household Debt

Table: Household Sector Debt In The Uk, Japan, Germany And The Us (% Of Disposable Income),

European Directive On Consumer Credit

Main Elements Of The Proposal For A New Consumer Credit Directive

Harmonised Rules

Enlargement Of The Scope To Cover Present-day Realities

Improved Transparency And Comparability Of Credit Offers

Consumer Disclosure And Lender Respect

Improved Freedom Of Circulation Of Quality Solvency Data Across Borders

Rights Of Withdrawal

Registration Of Lenders And Credit Intermediaries

Liability Of Lenders

Protection Of Personal Guarantors

Overindebtedness

Critique Of The Previous Ec Directive On Harmonisation Of Consumer Credit Regulations

Us Consumer Credit

The Far East

12. Pest Analysis

Political Factors

Economic Factors

Social Factors

Technological Factors

13. Consumer Dynamics

Overview

Table: Summary Of Findings (% Of Respondents),

Analysis Of Results

"it Is Far Too Easy To Get Credit Nowadays"

"i Usually Save Up Before Buying Something Important"

Table: Too Easy To Get Credit Nowadays And Saving Before Buying Something Important (% Of Respondents),

"i Don't Think About Money When I'm Buying Something That I Want"

"lenders Don't Really Tell You What You Could Be Letting Yourself Into When You Borrow Money"

Table: Not Thinking About Money When Buying Something And Lack Of Information From Lenders (% Of Respondents),

"if I Needed Money Badly I Would Borrow From Friends Or Family"

"interest On Store Cards Is Usually More Than Interest On Credit Cards"

Table: Borrowing Money From Friends Or Family And Interest Is Usually Higher On Store Cards Than On Credit Cards (% Of Respondents),

"if You Shop Around You Can Get A Credit Card With Low Interest Charges"

"credit Card Limits Are Too Low For Me"

Table: It Is Possible To Find Credit Cards With Low Charges And Credit-card Limits Are Too Low (% Of Respondents),

"i Am Happy To Buy On Credit Over The Telephone"

"i Am Happy To Buy On Credit Over The Internet"

Table: Happy To Buy On Credit Over The Telephone And Over The Internet (% Of Respondents),

"using A Cashpoint Machine As A Way To Borrow Money Would Be Convenient"

"i Usually Clear My Credit-card Debt Every Month"

Table: Using A Cashpoint To Borrow Money And Clearing Credit-card Debt Each Month (% Of Respondents),

"i Worry About The Amount Of Debt I Don't Pay Off"

"i Buy More On Credit Than I Used To"

Table: Worry About The Amount Of Debt Not Paid Off And Buying More On Credit (% Of Respondents),

"the Government Should Limit The Interest Rates Charged On Debt"

"if Shops Refuse You Credit, They Should Tell You Why"

Table: The Government Should Control Interest Rates On Debt And Shops Should Give A Reason For Refusing Credit (% Of Respondents),

14. Company Profiles

Abbey National Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Appointments

Distribution

Profitability

Future Company Developments

Barclays Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Appointments

Advertising

Distribution

Profitability

Hbos Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Appointments

Advertising

Distribution

Profitability

Lloyds Tsb Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Innovations

Appointments

Advertising

Distribution

Profitability

The Royal Bank Of Scotland Group Plc

Corporate Strategy

Strengths And Weaknesses

New Product Development

Brand Development

Advertising

Distribution

Profitability

15. The Future

Market Size

Table: Net Lending For Consumer Credit (£い£m),-2007

Table: Consumer Finance Provided By Fla Members (£い£m And Index=100),-2007

Table: Credit-card Lending (£い£m And Index=100),-2007

New Developments

Consumer Issues

Table: Average Earnings, Unemployment, Retail Price Index, Savings Ratio And House Prices (%, Index=100 And Ratio),-2007

Supplier Issues

Barriers To Entry

Regulations

Loan Sharks

Extortion

Exemptions

Online Services

Advertising

Early Settlement

Overindebtedness

Apr

Demographic Changes

Market Dynamics

Political Factors

Economic Factors

Social Factors

Technological Factors

16. Further Sources

Trade Organisations

Companies

Publications

General Sources

Bonnier Information Sources

Government Sources

Other Sources