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Consumer Lending in Australia
10 pages, Dec 2018
US$2,100Added to Cart
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Executive Summary
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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!
The Reserve Bank of Australia (RBA) continues to hold interest rate
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.
Consumer debt remains concerning
Australians have a big appetite for debt: while many other developed countries have seen a decline in personal debt, Australia’s debt levels have continued to rise. Over the review period, Australia’s household debt relative to disposable income hit historic highs.
Property value set to continue declining as regulations for mortgage lending tightens
In 2018, the Royal Commission exposed banks that were underestimating consumers’ household expenditure by the overreliance on the HEM benchmark, which enabled consumers to borrow more than they should. At the peak of the country’s housing market, homebuyers could borrow more than five times their annual income.
New credit score system implemented in 2018
Australia has historically lagged behind many other developed countries in terms of its use of comprehensive credit reports. Banks previously relied on information provided by the borrower in the form of an application form along with supported documents and access to the applicant’s credit file for missed loan repayments and defaults.
Consumer lending is shifting online
Technology has reshaped the services and payments industry in Australia while the lending industry received an overhaul over the review period. As such, a slow and bloated consumer lending process is no longer acceptable.
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Overview
Why buy this report?
Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.
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Overview
Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in Australia with research from Euromonitor's team of in-country analysts.
Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.
If you're in the Consumer Lending industry in Australia, our research will save you time and money while empowering you to make informed, profitable decisions.
The Consumer Lending in Australia market research report includes:
- Analysis of key supply-side and demand trends
- Historic volumes and values
- Five year forecasts of market trends and market growth
- Robust and transparent market research methodology, conducted in-country
Our market research reports answer questions such as:
- What is the market size of Consumer Lending in Australia?
- What are the major trends set to impact the market in Australia?
- What capacity for consumer debt still exists in the market?
- What’s the state of credit quality in the market?
- Has the economic downturn reset the lender competitive landscape?
Why buy this report?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
- Inform your marketing, brand, strategy and market development, sales and supply functions
Euromonitor’s industry reports, including Consumer Lending in Australia, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.
Want to find out more about this report?
Request more informationTable of Contents
Consumer Lending in Australia - Industry Overview
EXECUTIVE SUMMARY
The Reserve Bank of Australia (RBA) continues to hold interest rate
Consumer debt remains concerning
Property value set to continue declining as regulations for mortgage lending tightens
New credit score system implemented in 2018
Consumer lending is shifting online
MARKET DATA
Table 1 Consumer Lending: Outstanding Balance by Category: Value 2013-2018Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2013-2018
Table 3 Consumer Lending: Gross Lending by Category: Value 2013-2018
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2013-2018
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2018-2023
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2018-2023
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023
SOURCE
Summary 1 Research SourcesConsumer Credit in Australia - Category analysis
HEADLINES
PROSPECTS
Australian government’s open banking plan to increase competition
Royal Commission takes precedence in Australia
Increased scrutiny of “buy now, pay later” scheme
COMPETITIVE LANDSCAPE
Technology changes the competitive landscape
Retail banks must adapt if they are to thrive
Payday loan or “rent to buy” schemes cause concern
CATEGORY DATA
Table 13 Consumer Credit: Outstanding Balance by Category: Value 2013-2018Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2013-2018
Table 15 Consumer Credit: Gross Lending by Category: Value 2013-2018
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2013-2018
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2018-2023
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2018-2023
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023
Why buy this report?
Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.
Want to find out more about this report?
Request more informationComplete Catalogue
Country Reports
- Consumer Lending in Argentina | Oct 2018
- Consumer Lending in Austria | Oct 2018
- Consumer Lending in Brazil | Oct 2018
- Consumer Lending in Canada | Oct 2018
- Consumer Lending in Chile | Oct 2018
- Consumer Lending in China | Oct 2018
- Consumer Lending in Colombia | Oct 2018
- Consumer Lending in Denmark | Oct 2018
- Consumer Lending in Egypt | Oct 2018
- Consumer Lending in France | Oct 2018
- Consumer Lending in Germany | Oct 2018
- Consumer Lending in Greece | Oct 2018
- Consumer Lending in Hong Kong, China | Oct 2018
- Consumer Lending in Hungary | Oct 2018
- Consumer Lending in India | Oct 2018
- Consumer Lending in Indonesia | Oct 2018
- Consumer Lending in Israel | Oct 2018
- Consumer Lending in Italy | Oct 2018
- Consumer Lending in Japan | Nov 2018
- Consumer Lending in Malaysia | Oct 2018
- Consumer Lending in Mexico | Oct 2018
- Consumer Lending in Morocco | Oct 2018
- Consumer Lending in Nigeria | Oct 2018
- Consumer Lending in Norway | Oct 2018
- Consumer Lending in Poland | Oct 2018
- Consumer Lending in Portugal | Oct 2018
- Consumer Lending in Romania | Oct 2018
- Consumer Lending in Russia | Oct 2018
- Consumer Lending in Saudi Arabia | Oct 2018
- Consumer Lending in Singapore | Oct 2018
- Consumer Lending in South Africa | Oct 2018
- Consumer Lending in South Korea | Oct 2018
- Consumer Lending in Spain | Oct 2018
- Consumer Lending in Sweden | Oct 2018
- Consumer Lending in Taiwan | Oct 2018
- Consumer Lending in Thailand | Oct 2018
- Consumer Lending in the Czech Republic | Oct 2018
- Consumer Lending in the Netherlands | Oct 2018
- Consumer Lending in the Philippines | Oct 2018
- Consumer Lending in the United Arab Emirates | Nov 2018
- Consumer Lending in the United Kingdom | Oct 2018
- Consumer Lending in the US | Oct 2018
- Consumer Lending in Turkey | Oct 2018
- Consumer Lending in Ukraine | Oct 2018
- Consumer Lending in Venezuela | Oct 2018
- Consumer Lending in Vietnam | Oct 2018
Strategy Reports
Company Reports
- UnionPay International | Aug 2017
Complete Catalogue
Country Reports
- Consumer Lending in Argentina | Oct 2018
- Consumer Lending in Austria | Oct 2018
- Consumer Lending in Brazil | Oct 2018
- Consumer Lending in Canada | Oct 2018
- Consumer Lending in Chile | Oct 2018
- Consumer Lending in China | Oct 2018
- Consumer Lending in Colombia | Oct 2018
- Consumer Lending in Denmark | Oct 2018
- Consumer Lending in Egypt | Oct 2018
- Consumer Lending in France | Oct 2018
- Consumer Lending in Germany | Oct 2018
- Consumer Lending in Greece | Oct 2018
- Consumer Lending in Hong Kong, China | Oct 2018
- Consumer Lending in Hungary | Oct 2018
- Consumer Lending in India | Oct 2018
- Consumer Lending in Indonesia | Oct 2018
- Consumer Lending in Israel | Oct 2018
- Consumer Lending in Italy | Oct 2018
- Consumer Lending in Japan | Nov 2018
- Consumer Lending in Malaysia | Oct 2018
- Consumer Lending in Mexico | Oct 2018
- Consumer Lending in Morocco | Oct 2018
- Consumer Lending in Nigeria | Oct 2018
- Consumer Lending in Norway | Oct 2018
- Consumer Lending in Poland | Oct 2018
- Consumer Lending in Portugal | Oct 2018
- Consumer Lending in Romania | Oct 2018
- Consumer Lending in Russia | Oct 2018
- Consumer Lending in Saudi Arabia | Oct 2018
- Consumer Lending in Singapore | Oct 2018
- Consumer Lending in South Africa | Oct 2018
- Consumer Lending in South Korea | Oct 2018
- Consumer Lending in Spain | Oct 2018
- Consumer Lending in Sweden | Oct 2018
- Consumer Lending in Taiwan | Oct 2018
- Consumer Lending in Thailand | Oct 2018
- Consumer Lending in the Czech Republic | Oct 2018
- Consumer Lending in the Netherlands | Oct 2018
- Consumer Lending in the Philippines | Oct 2018
- Consumer Lending in the United Arab Emirates | Nov 2018
- Consumer Lending in the United Kingdom | Oct 2018
- Consumer Lending in the US | Oct 2018
- Consumer Lending in Turkey | Oct 2018
- Consumer Lending in Ukraine | Oct 2018
- Consumer Lending in Venezuela | Oct 2018
- Consumer Lending in Vietnam | Oct 2018
Strategy Reports
Company Reports
- UnionPay International | Aug 2017