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Country Report

Consumer Lending in

Consumer Lending in the United Kingdom

11 pages, 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!

Political turmoil hinders consumer lending, while regulators take action to minimise risk in the industry

2017 marked an extremely significant period for the consumer lending market in the UK. Continuing political uncertainty surrounding the process of leaving the EU paired with the result of the June general election created a sense of hesitancy in the industry, with gross lending growth slowing.

Will high inflation force the Bank of England to raise interest rates?

The Bank of England faces a difficult decision; either raise interest rates to tackle above-target inflation, or hold them with the continuation of economic growth in mind – if policymakers believe growth remains at risk. This is the ongoing argument amongst economists.

Uncertainty surrounding property values is likely to negatively affect both mortgage lending and consumer credit

The security provided by property values has historically had a compelling effect on confidence in consumer lending categories. The future of property values, particularly in London, is proving extremely difficult to forecast following the UK’s vote to leave the EU.

Volatility in auto lending

There are two key reasons why auto lending has posted strong growth since 2013. Firstly, increasing numbers of customers are choosing to utilise financing products on vehicle purchases rather than purchase vehicles “outright”.

The legacy of 2017 will minimise consumer credit growth in 2017-2022

Overall, 2017 will mark a notable adjustment in both the availability and the cost of debt as interest rates are expected to increase at some point in the financial year. As well as monetary policy changes, the Bank of England and Financial Conduct Authority have introduced aggressive regulations to slow the growth of consumer debt and increase the stability of lenders.

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Overview

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

The Consumer Lending in United Kingdom 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 United Kingdom?
What are the major trends set to impact the market in United Kingdom?
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 United Kingdom, 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 the United Kingdom - Industry Overview

EXECUTIVE SUMMARY

Political turmoil hinders consumer lending, while regulators take action to minimise risk in the industry

Will high inflation force the Bank of England to raise interest rates?

Uncertainty surrounding property values is likely to negatively affect both mortgage lending and consumer credit

Volatility in auto lending

The legacy of 2017 will minimise consumer credit growth in 2017-2022

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 the United Kingdom - Category analysis

HEADLINES

PROSPECTS

Confidence in consumer credit is fading

Notable influences in 2017

Short-term lending trends

COMPETITIVE LANDSCAPE

Competition is high in consumer credit

Financial technology plays a key role

The payday category is becoming less relevant

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 the United Kingdom

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Executive Summary

New Report Guarantee

Political turmoil hinders consumer lending, while regulators take action to minimise risk in the industry

Will high inflation force the Bank of England to raise interest rates?

Uncertainty surrounding property values is likely to negatively affect both mortgage lending and consumer credit

Volatility in auto lending

The legacy of 2017 will minimise consumer credit growth in 2017-2022

Overview

Why buy this report?

Samples (FAQs about samples):

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Table of Contents

Consumer Lending in the United Kingdom - Industry Overview

EXECUTIVE SUMMARY

Political turmoil hinders consumer lending, while regulators take action to minimise risk in the industry

Will high inflation force the Bank of England to raise interest rates?

Uncertainty surrounding property values is likely to negatively affect both mortgage lending and consumer credit

Volatility in auto lending

The legacy of 2017 will minimise consumer credit growth in 2017-2022

MARKET DATA

DEFINITIONS

SOURCES

Consumer Credit in the United Kingdom - Category analysis

HEADLINES

PROSPECTS

Confidence in consumer credit is fading

Notable influences in 2017

Short-term lending trends

COMPETITIVE LANDSCAPE

Competition is high in consumer credit

Financial technology plays a key role

The payday category is becoming less relevant

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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