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Country Report

Consumer Lending in

Consumer Lending in Spain

Oct 2017

US$2,100

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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!

Spanish consumers continue deleveraging

The economic crisis between 2008 and 2012 brought to light the high level of indebtedness of Spanish households, as well as companies and financial institutions. Consequently, Spaniards are gradually deleveraging, with most debt being long-term mortgages.

Financial institutions boost access to credit

Since the economic crisis, lending has never been so cheap and easy to access in Spain. On the one hand, low interest rates allowed households to borrow money almost for free.

Digitalisation opens path for new services

The other trend within consumer lending is digitalisation. On the one hand, banks largely invested in Créditos rapidos, which are micro (usually EUR50-3,000), immediate and pre-granted credits that can be contracted online through e-bank and mobile accounts.

Competition intensifying

Due to the poor reputation and performance of banks during the financial crisis, which made bank loans more expensive and difficult to access, the credit volume granted by alternative credit providers and retailers’ financial services increased, especially in the online marketplace. Carrefour and El Corte Inglés are already established players within consumer lending in Spain and, over 2017, leading retailers such as Media Markt, IKEA, Eroski, as well as auto financial services, registered a rapid rise in market share.

Slower mortgage growth in 2017

The real estate market consolidated its recovery in 2017 but posted slower growth than in 2016. In 2017, inflation and increasing investment from international purchasers drove real estate prices upwards, while domestic demand for new houses slowed, affecting the overall performance of the real estate market.

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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

Spanish consumers continue deleveraging

Financial institutions boost access to credit

Digitalisation opens path for new services

Competition intensifying

Slower mortgage growth in 2017

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2012-2017
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2012-2017
Table 3 Consumer Lending: Gross Lending by Category: Value 2012-2017
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2012-2017
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2017-2022
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2017-2022
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022

DEFINITIONS

SOURCES

Summary 1 Research Sources

Consumer Credit in Spain - Category analysis

HEADLINES

PROSPECTS

Spanish consumers looking to increase savings and reduce debt

Rising demand for educational loans

Auto loans to continue performing well

COMPETITIVE LANDSCAPE

Banks facing growing competition

Rising demand for easy to access small loans

Growing presence of telecoms operators

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2012-2017
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2012-2017
Table 15 Consumer Credit: Gross Lending by Category: Value 2012-2017
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2012-2017
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2017-2022
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2017-2022
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022

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Megatrends

Country Report

Consumer Lending in Spain

New Report Guarantee

Executive Summary

New Report Guarantee

Spanish consumers continue deleveraging

Financial institutions boost access to credit

Digitalisation opens path for new services

Competition intensifying

Slower mortgage growth in 2017

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

Spanish consumers continue deleveraging

Financial institutions boost access to credit

Digitalisation opens path for new services

Competition intensifying

Slower mortgage growth in 2017

MARKET DATA

DEFINITIONS

SOURCES

Consumer Credit in Spain - Category analysis

HEADLINES

PROSPECTS

Spanish consumers looking to increase savings and reduce debt

Rising demand for educational loans

Auto loans to continue performing well

COMPETITIVE LANDSCAPE

Banks facing growing competition

Rising demand for easy to access small loans

Growing presence of telecoms operators

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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