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Country Report

Consumer Lending in

Consumer Lending in Spain

11 pages, Oct 2018

US$2,100

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Financial institutions facilitate access to credit

Consumer lending in Spain grew steadily in the last two years of the review period. The improved economic situation in the country after the sovereign debt crisis in the period 2009-2012 supported the increase in consumption levels.

Concerns for the Bank of Spain

In 2018, growth of consumer credit surpassed that of mortgages/housing, causing concern within the Bank of Spain regarding the rising level of debt of Spanish households. The scarce business margin left by mortgages, as Euribor is in negative rates, has led Spanish banks to grant consumer loans, which imply higher interest rates.

Digitalisation and new services

Financial institutions continued to increase the consumer lending possibilities through digitalisation as well. Banks invested in fast credit, such as micro credits (up to EUR3,000), which are immediate and can be contracted online through e-banking services and mobile accounts.

Intense competition

The increase in the demand for consumer credit over the review period, benefits from the increase in the competition between banks and other credit providers, especially in digital services.

Mortgages/housing continues to grow

The increase in disposable incomes (Spanish GDP growth continues to be above Eurozone average for the fourth consecutive year in 2018) and the falling unemployment rate has instilled a sense of stability in the housing market. Growth in mortgages/housing also started to rise, although at a moderate pace.

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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 Spain 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 Spain, our research will save you time and money while empowering you to make informed, profitable decisions.

The Consumer Lending in Spain 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 Spain?
What are the major trends set to impact the market in Spain?
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 Spain, 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.

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Consumer Lending in Spain - Industry Overview

EXECUTIVE SUMMARY

Financial institutions facilitate access to credit

Concerns for the Bank of Spain

Digitalisation and new services

Intense competition

Mortgages/housing continues to grow

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2013-2018
Table 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

SOURCES

Summary 1 Research Sources

Consumer Credit in Spain - Category analysis

HEADLINES

PROSPECTS

Consumer credit continues to record stable growth

Loans for education and vehicles will continue to increase

Mortgage lending on the rise, but will remain below pre-crisis level

COMPETITIVE LANDSCAPE

Growing competition within consumer credit

Easy access to small loans

Growing digitalisation

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2013-2018
Table 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

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Megatrends

Country Report

Consumer Lending in Spain

New Report Guarantee

Executive Summary

New Report Guarantee

Financial institutions facilitate access to credit

Concerns for the Bank of Spain

Digitalisation and new services

Intense competition

Mortgages/housing continues to grow

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Consumer Lending in Spain - Industry Overview

EXECUTIVE SUMMARY

Financial institutions facilitate access to credit

Concerns for the Bank of Spain

Digitalisation and new services

Intense competition

Mortgages/housing continues to grow

MARKET DATA

SOURCES

Consumer Credit in Spain - Category analysis

HEADLINES

PROSPECTS

Consumer credit continues to record stable growth

Loans for education and vehicles will continue to increase

Mortgage lending on the rise, but will remain below pre-crisis level

COMPETITIVE LANDSCAPE

Growing competition within consumer credit

Easy access to small loans

Growing digitalisation

CATEGORY DATA

Why buy this report?

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