Consumer Lending
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Consumer Lending in Australia
Dec 2018
The Reserve Bank of Australia continued to keep its cash rate on hold at 1.5% throughout 2018, with little indication that it would be raising or lowering rates in the near future. In Australia, there has been uncertainty around the immediate growth ...
Country Report
Consumer Lending in Japan
Nov 2018
Japan remains a strongly cash-focused society, with the majority of people using cash as their primary payment method. Moreover, even those consumers who do use credit cards usually pay their bills in full within a month and rarely opt to pay in ...
Country Report
Consumer Lending in the United Arab Emirates
Nov 2018
Gross lending witnessed the continued impact of the weaker economic environment and labour market in 2018, which mainly negatively affected wholesale banking for most players. With repayments remaining a key issue for banks, companies are planning to...
Country Report
Consumer Lending in South Africa
Oct 2018
2018 saw South Africa’s consumer lending industry record accelerating growth in gross lending and outstanding balance as financially strained consumers increasingly sought to borrow money to fund their lifestyles. With the economy still struggling, ...
Country Report
Consumer Lending in Colombia
Oct 2018
Colombia’s Banco de la República recently lowered the benchmark interest rate in line with its expansion policy, after bringing inflation under control. However, financial institutions have not lowered their interest rates at the same speed to ...
Country Report
Consumer Lending in Romania
Oct 2018
In line with previous years’ economic dynamics and consumption, consumer lending posted another year of growth in 2018. The increasing incomes for all segments of consumers, with declining unemployment and a positive perception of the future, led to ...
Country Report
Consumer Lending in South Korea
Oct 2018
After consumer lending grew strongly in 2017 due to favourable regulation to boost the domestic economy and property market in South Korea, consumer lending outstanding balance and gross lending saw further growth in current value terms in 2018, with...
Country Report
Consumer Lending in Egypt
Oct 2018
The Egyptian economy has been showing signs of recovery after a prolonged recessionary period, led by high inflation rates. Whilst the inflation rate eased during 2018 and a slight improvement in the foreign exchange rate has helped restore ...
Country Report
Consumer Lending in Venezuela
Oct 2018
One consequence of hyperinflation is that companies and individuals request larger loans to finance any limited production operations that still continue to take place or to cover increased spending with a credit card. However, banks cannot raise the...
Country Report
Consumer Lending in the Netherlands
Oct 2018
The lending landscape in the Netherlands can best be characterised by a relatively strong saving culture and even an aversion against applying for loans from financial institutions. The Dutch tend to keep their debts manageable and limit them mostly ...
Country Report
Consumer Lending in France
Oct 2018
The economic situation in France has improved significantly, with recorded GDP in 2017 reaching its highest level since 2011. By 2018, a favourable economic context translated into higher consumer confidence and rising household investment in durable...
Country Report
Consumer Lending in China
Oct 2018
China’s household debt level, compared with developed countries, is not excessive. This indicates that Chinese consumers are able to absorb more household debt to fuel ever-increasing consumption. On the demand side, growth is mainly driven by the ...
Country Report
Consumer Lending in Brazil
Oct 2018
The confidence of Brazilian consumers is still low, especially given the poor condition of the labour market. High unemployment means that even employed consumers are reluctant to spend, as they fear being out of work in the short to medium term. ...
Country Report
Consumer Lending in the United Kingdom
Oct 2018
For the second time in a decade, the rate was raised by a quarter of a percentage point, from 0.5% to 0.75% at the start of August 2018, the highest level since March 2009. Expected to raise the interest rate in May 2018, the Bank of England waited ...
Country Report
Consumer Lending in Hong Kong, China
Oct 2018
According to reliable sources, risk profiles of Hong Kong loan takers are leaning towards risk adverse, with consumer credit being an instrument that consumers actively avoid using. The Hong Kong Monetary Authority initiated a series of consumer ...
Country Report
Consumer Lending in India
Oct 2018
Consumer lending has grown at a healthy pace in India; and this trend is expected to continue in the forecast period. The country’s growing economy, rising disposable incomes and changing lifestyles have resulted in higher disbursals of auto and ...
Country Report
Consumer Lending in Israel
Oct 2018
Consumer lending recorded strong growth in 2018, after lower growth figures in 2016 and 2017 due to a slowdown in mortgages. Non-housing lending drove growth in 2018, with loans being taken out from both banks and non-banking credit companies to ...
Country Report
Consumer Lending in Morocco
Oct 2018
Consumer lending in 2018 recorded a positive performance thanks to the overall improvement in the economy and to several other factors. Interest rates recorded their lowest levels for some years, which attracted the interest of a number of consumers....
Country Report
Consumer Lending in the Philippines
Oct 2018
After enjoying significant growth in 2017 thanks to the favourable economic background, in 2018 consumer lending in the Philippines showed signs of stabilisation amidst regulatory changes. While banks and non-financial institutions continued to ...
Country Report
Consumer Lending in Thailand
Oct 2018
Thailand’s economy continued to register growth, which raised consumer confidence and encouraged higher spending on goods and services. The high level of household spending benefited consumer lending, especially credit cards, personal loans, hire ...
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