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Personal Loans Market Report 2003


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Previewing a Market Report

Published Date :
December 2003find similar
Report Type :
Market Reportfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
11 Chapters

Table of Contents

The table of contents below is for Personal Loans 2003

Executive Summary

Loans Inflation

Scottish Strength

Bigger Squeeze On Incomes

Downward Shift In Loanholders' Profile

Forecasts For

1. Introduction

The Topic

Objectives

Methodology

Original Research

Problems In The Research Process

Definition

2. Strategic Overview

Market Dynamics

The Market For Personal Loans

Mainstream Loans

Car Loans

Loans For The Poor

Commercial Lenders

Credit Unions

Loans For The Self-employed

Table: Number Of Employees In The Uk (000), February To April To February To April

Not-for-profit Organisations

Tied Loans

Personal Loans In Autumn

Table: Net Borrowing By Consumers In Real Terms† (£bn At Prices),-2002

Loans Of £500 And £1,000

Loans Of £5,000 And £10,000

Loans Of £20,000

Old And New Lenders In Interest Rate Competition

Table: Sample Aprs For Unsecured Loans Of £1,000 And £10,000 (%),th June

Consumer Credit

Table: Consumer Credit (£m),-2001

Table: Total Lending To Individuals (£m And %), October To October

Distribution

Choice Of Distribution Channels

Brokers Cater For Subprime Borrowers

Competitive Structure

Leading Lenders

Straightforward Personal Loans From Banks And Building Societies

All-in-one Mortgages And Personal Loans

Egg, The Woolwich And The One Account

Supermarket Loans

Tesco Personal Finance

Table: A Comparison Of Tesco Loans Of £7,500 Paid Back Over Years With Other Selected Lenders (% And £), December

Sainsbury's Bank

Table: A Comparison Of Sainsbury's Bank Loans Of £7,500 Paid Back Over Years With Other Selected Lenders (% And £),

High-street Branches In Supermarkets

Catalogue Loans

Other Loans

Advertising

Main Media Advertising

Prime Targets

The Consumer

Market Forecasts

3. Demographic Influences

Background

Population Trends

The Uk Population

Table: The Uk Population By Age Group (%), , And

Table: Uk Dependant Population By Age† (million),-2023

Banks Deny Older People Credit

Household Trends

Table: Number Of Households In Great Britain (million And Number),,, And

Table: Families With Dependant Children† In Great Britain By Family Type And Marital Status (% And),-2001

Consumer Trends

4. Marketing Trends

Advertising And Promotion

Advertisements In Traditional Media

Table: Main Media Advertising Expenditure On Major Personal-loan Products (£000), Year Ending June

Advertisements In New Media

Direct Marketing

Table: Uk Direct Mail Volumes By Type (million Items),-2002

Table: Business-to-business Response Rates To Direct Marketing By Sector (number And %),

Point Of Sale

Marketing

Loyalty Rewards

Retail Ambience

Distribution

5. An International Perspective

Market Developments

Competitive Environment

Consumer Behaviour

6. Pest Analysis

Political Factors

Regulation

Overindebtedness

Economic Factors

The Uk Economy

Table: Key Uk Forecasts (%, Million And £bn),-2006

Weekly Household Expenditure By Income Group

Table: Weekly Household Expenditure In The Uk On Loans To Clear Other Debts By Income Group (£ Per Week And %),/2001

Weekly Household Expenditure By Age

Table: Weekly Household Expenditure In The Uk On Loans To Clear Other Debts By Age Of Head Of Household (£ Per Week And %),/2001

Weekly Household Expenditure By Region

Table: Weekly Household Expenditure In The Uk On Loans To Clear Other Debts By Region (£ Per Week And %),/2001

Consumer Credit

Table: Consumer Credit Net Lending In The Uk (£m And Index=100),-2002

Social Factors

Technological Factors

7. Consumer Dynamics

Overview

Table: Summary Of Results (% Of Respondents),

Survey Results

"i Have One Personal Loan Now"

"i Have More Than One Personal Loan"

Table: Current Personal Loans (% Of Respondents),

"i Have Had A Personal Loan In The Past"

"i Intend To Apply For A Personal Loan Within The Next Months"

Table: Past Use Of And Future Interest In Personal Loans (% Of Respondents),

"if I Need A Loan, A Relative Or Friend Would Supply One"

"i Prefer To Save Up Before Buying A Big Item Instead Of Taking Out A Personal Loan"

Table: Loans From Relatives And Friends And Avoiding Loans Altogether (% Of Respondents),

"i Have Already Or Would Take Out Insurance To Cover Personal-loan Repayments In The Event Of Being Ill Or Unemployed"

"i Compare The Terms Of Several Loans Before Deciding Which One To Apply For"

Table: Attitudes Towards Loan Insurance And Loan Terms (% Of Respondents),

"i Have Taken Out A Personal Loan Over The Telephone"

"i Have Taken Out A Personal Loan Over The Internet"

Table: Arranging Loans Over The Telephone And The Internet (% Of Respondents),

"i Would Take Out A Personal Loan Over The Internet"

"i Use One Or More Credit Cards"

Table: Intention To Take Out An Internet Loan And Use Of Credit Cards (% Of Respondents),

"i Have A Mortgage Or Fully Own My Own Home"

"a Low Interest Rate Would Be The Most Important Factor If I Were Looking For A Personal Loan"

Table: Home Ownership And The Importance Of A Low Interest Rate (% Of Respondents),

"the Lender's Reputation Would Be The Most Important Factor If I Were Looking For A Personal Loan"

Table: The Importance Of A Lender's Reputation (% Of Respondents),

8. Company Profiles

Abbey National Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Abbey National Plc (£m), Years Endingst December-2002

Future Company Developments

Alliance & Leicester Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Alliance & Leicester Plc (£m), Years Endingst December-2002

Future Company Developments

Barclays Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Barclays Plc (£m), Years Endingst December-2002

Future Company Developments

Hbos Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Hbos Plc (£m), Years Endingst December And

Future Company Developments

Hsbc Holdings Plc

Corporate Strategy

Distribution

Profitability

Table: Financial Results For Hsbc Holdings Plc ($m), Years Endingst December-2002

Future Company Developments

Lloyds Tsb Group Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Lloyds Tsb Group Plc (£m), Years Endingst December-2002

Future Company Developments

Northern Rock Plc

Corporate Strategy

Distribution

Advertising

Profitability

Table: Financial Results For Northern Rock Plc (£m), Years Endingst December-2002

Future Company Developments

The Royal Bank Of Scotland Group Plc

Corporate Strategy

Advertising

Distribution

Profitability

Table: Financial Results For The Royal Bank Of Scotland Group Plc (£m), Years Endingst December-2002

Future Company Developments

Other Companies

Marks And Spencer Financial Services

Corporate Strategy

Future Company Developments

Sainsbury's Bank

Corporate Strategy

Future Company Developments

Virgin Money

Corporate Strategy

Future Company Developments

9. The Future

External Influences: Pressures On Incomes

Sound Uk Economy

Finances Under Pressure

Debt Management And The Pressure For Social Lending

More Older Borrowers

Inflation And Population Forecasts

Table: Forecast Increase In Uk Retail Price Index (% And Index/2002=100),/2002-2006/2007

Savings And Their Impact On Loans

Table: Households In Great Britain With Savings By Economic Status (% And Million),/2001

Market Forecasts

10. Further Sources

Associations

Publications

General Sources

Bonnier Information Sources

Government Sources

Other Sources