Personal Loans Market Report 2006


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Previewing a Market Report

Published Date :
November 2006find similar
Report Type :
Market Reportfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
19 Chapters

Table of Contents

The table of contents below is for Personal Loans 2006

Executive Summary

1. Introduction

Background

Definition

2. Strategic Overview

Economic Trends

Inflation

Table: Uk Rate Of Inflation (%),-2005

Unemployment

Table: Actual Number Of Unemployed Persons In The Uk (million),-2005

Household Size

Table: Households In Great Britain By Size (%, Million And Number),,,, And

Population

Table: Uk Resident Population Estimates By Sex (000), Mid-years-2005

Gross Domestic Product

Table: Uk Gross Domestic Product At Current And Annual Prices (£m),-2005

Household Disposable Income

Table: Uk Household Disposable Income Per Capita (£),-2005

Market Dynamics And Segmentation

Introduction

Market Trends

Table: Uk Consumer Credit By Gross Lending By Sector (£m),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding By Sector (£m), Year End-2006

Distribution

Competitive Structure

Debt

The Consumer

Market Forecasts

Regulation

The Consumer Credit Act

The Consumer Credit Act

Advertising Regulation And The Financial Services Authority

3. Banks

Background

Market Trends

Table: Uk Consumer Credit By Gross Lending By Banks (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding With Banks (£m And Index=100), Year End-2006

Market Share

Table: Uk Banks' Individual Group Balances By Loans And Advances To Customers (£m),

Consumer Dynamics

Loan Repayment Fees

Overdrafts

Online Banking

Key Note's Consumer Research

4. Building Societies

Background

Market Trends

Table: Uk Consumer Credit By Gross Lending By Building Societies (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding With Building Societies (£m And Index=100), Year End-2006

Market Share

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

Distribution

5. Other Specialist Lenders

Background

Market Trends

Table: Uk Consumer Credit By Gross Lending By Other Specialist Lenders (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding With Other Specialist Lenders (£m And Index=100), Year End-2006

Distribution

Consumer Dynamics

Motor Finance

The Cost Of Credit

Key Note's Consumer Research

Advertising

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

6. Retailers

Background

Market Trends

Table: Uk Consumer Credit By Gross Lending By Retailers (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding With Retailers (£m And Index=100), Year End-2006

Store Cards

7. Insurance Companies And Other Lenders

Insurance Companies

Background

Market Trends

Table: Uk Consumer Credit By Gross Lending By Insurance Companies (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit By Amount Outstanding With Insurance Companies (£m And Index=100), Year End-2006

Other Lenders

Supermarkets

The Post Office

Consumer Dynamics

Key Note's Consumer Research

Borrowing From A Supermarket

Borrowing At The Post Office

Borrowing Through A Club Or Professional Association

Borrowing From A Credit Union

8. Personal Loans

Consumer Credit

Credit Scores

Unsecured Lending

Market Trends

Table:-month Growth Rate For Unsecured Lending (%),st July-2006

Advertising

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

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

Suppliers

Cattles Group Plc

Payment-protection Insurance

Online Personal Loans

Comparison Websites

Advertising

Consumer Dynamics

Key Note's Consumer Research

Comparing Lenders' Interest Rates Before Borrowing

Borrowing Over The Internet

Taking Out Payment-protection Insurance

Borrowing Over The Telephone

Home Credit

The Competition Commission's Investigation

Market Size

Market Share

Pricing Annual Percentage Rate And Total Charge For Credit

Provident Financial

9. Secured Lending

Background

Market Trends

Market Size

Table: Loans Secured On Dwellings By Amount Outstanding (£m And Index=100), Year End-2006

Advertising

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

Suppliers

Consumer Dynamics

Key Note's Consumer Research

Taking Out Secured Loans

Difficulties Getting A Loan Due To Self-employment

Difficulties Getting A Loan Due To Credit Record

10. Credit Cards

Background

Market Trends

Table: Uk Consumer Credit On Credit Cards By Gross Lending (£m And Index=100),-2006

Market Size

Table: Uk Consumer Credit On Credit Cards By Amount Outstanding (£m And Index=100), Year End-2006

Store-branded Credit Cards

Table: Store-branded Credit Cards By Total Balances (£m), Year End-2006

Market Share

Advertising

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

Consumer Dynamics

Credit-card Loan Repayment Fees

The Cost Of Borrowing

Regulation

Key Note's Consumer Research

Borrowing On Credit Card

11. Debt

Overindebtedness

Table: Insolvencies In England And Wales (number And Index Q2=100), Second Quarter To Second Quarter

Advertising

Suppliers

Credit-card Debt

Government Action

National Strategy For Financial Capability

Impairment Charges

Consumer Dynamics

Key Note's Consumer Research

Saving To Avoid Debt

Ease Of Getting A Loan

Borrowing From Multiple Lenders

Loan Repayment Concerns

12. An International Perspective

Introduction

Credit Cards In The Eu

France

Asia

North America

South America

13. Pest Analysis

Political Factors

Economic Factors

Social Factors

Technological Factors

14. Consumer Dynamics

Overview

Table: Summary Of Attitudes Towards Borrowing (% Of Respondents),

Avoiding Debt

"i Save Up In Advance To Avoid Debt"

Table: Saving In Advance To Avoid Debt (% Of Respondents),

"instead Of A Loan, I Use My Combined Current/savings Account"

Table: Using A Combined Current/savings Account Instead Of A Loan (% Of Respondents),

Borrowing

"i Borrow On My Credit Card"

Table: Borrowing On A Credit Card (% Of Respondents),

"if I Have Reached My Limit With One Lender, I Can Always Borrow From Another"

Table: Attitudes Towards Borrowing From Multiple Lenders (% Of Respondents),

"i Take Out A Loan Based On Security Such As Property"

Table: Taking Out Secured Loans (% Of Respondents),

"i Look At Several Lenders' Interest Rates Before Borrowing"

Table: Comparing Interest Rates Before Borrowing (% Of Respondents),

"i Think It Is Too Easy To Get A Loan Nowadays"

Table: Attitudes Towards The Ease Of Obtaining Loans (% Of Respondents),

"i Worry About Repaying My Loan"

Table: Worries About Loan Repayments (% Of Respondents),

"i Have Difficulty Getting A Loan Because I Am Self-employed"

Table: Difficulties Obtaining A Loan Due To Self-employment (% Of Respondents),

"i Have Difficulty Getting A Loan Because Of My Credit Record"

Table: Difficulties Obtaining A Loan Due To Credit Record (% Of Respondents),

"i Think Interest Rates Should Be Capped"

Table: Attitudes Towards Capping Interest Rates (% Of Respondents),

"i Choose A Lender Based On Its Reputation"

Table: Selecting A Lender Based On Reputation (% Of Respondents),

"i Take Out Payment-protection Insurance On My Personal Loans"

Table: Taking Out Payment-protection Insurance (% Of Respondents),

"i Am Happy To Borrow At My Supermarket"

Table: Attitudes Towards Borrowing From A Supermarket (% Of Respondents),

"i Am Happy To Borrow At The Post Office"

Table: Attitudes Towards Borrowing From The Post Office (% Of Respondents),

"i Am Happy To Borrow Over The Telephone"

Table: Attitudes Towards Borrowing Over The Telephone (% Of Respondents),

"i Am Happy To Borrow Over The Internet"

Table: Attitudes Towards Borrowing Over The Internet (% Of Respondents),

"i Am Happy To Borrow Through My Club Or Professional Association"

Table: Attitudes Towards Borrowing Through A Club Or Professional Association (% Of Respondents),

"i Would Be Interested In Borrowing From A Credit Union"

Table: Attitudes Towards Borrowing From A Credit Union (% Of Respondents),

"i Am Happy To Borrow To Pay For A Car Through The Retailer's Finance Facility"

Table: Attitudes Towards Borrowing Through A Car Dealer (% Of Respondents),

15. Company Profiles

Alliance & Leicester Plc

Corporate Strategy

New Product And Brand Developments

Distribution

Advertising

Profitability

Table: Financial Results For Alliance & Leicester Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

Barclays Plc

Corporate Strategy

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Barclays Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

Hbos Plc

Corporate Strategy

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Hbos Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

Hsbc Bank Plc

Corporate Strategy

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Hsbc Bank Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

Lloyds Tsb Group Plc

Corporate Strategy

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For Lloyds Tsb Group Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

The Royal Bank Of Scotland Group Plc

Corporate Strategy

New Product And Brand Development

Distribution

Advertising

Profitability

Table: Financial Results For The Royal Bank Of Scotland Group Plc (£000, Number, % And £), Years Endingst December-2005

Future Company Developments

16. The Future

Economic Forecasts

Population

Table: Forecast Uk Resident Population By Sex (000), Mid-years-2010

Gross Domestic Product

Table: Forecast Uk Growth In Gross Domestic Product In Real Terms (%),-2010

Inflation

Table: Forecast Uk Rate Of Inflation (%),-2010

Unemployment

Table: Forecast Actual Number Of Unemployed Persons In The Uk (million),-2010

Household Disposable Income

Table: Forecast Uk Household Disposable Income Per Capita (£),-2010

Market Forecasts

Market Trends

Table: Forecast Uk Consumer Credit By Gross Lending By Sector (£m),-2011

Figure: Forecast Uk Consumer Credit By Gross Lending (£m),-2011

Market Size

Table: Forecast Uk Consumer Credit By Amount Outstanding By Sector (£m), Year End-2011

Figure: Forecast Uk Consumer Credit By Amount Outstanding (£m), Year End-2011

Conclusion

17. Consumer Confidence

Methodology

Key Findings This Quarter

The Willingness To Borrow

Confidence Rebounds

Table A: The Average Amount Consumers Are Willing To Borrow In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), August-2006

Fewer Adults Wish To Borrow

Table B: The Number Of Adults Willing To Borrow In Order To Purchase Expensive Items (000 And %), August-2006

Spending From Savings

Strong Recovery In Spending From Savings

Table C: The Average Amount Consumers Are Willing To Spend From Savings In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), August-2006

Savings Grow In Relative Importance

Table D: The Average Amounts Adults Are Confident Spending To Purchase Expensive Items (£ And %), August-2006

18. Further Sources

Associations

Government Sources

Other Sources

Bisnode Sources

Other Reports