Consumer Credit Watch

IHS Consumer Credit Watch compiles individual country reports detailing the local consumer finance business in selected countries. To craft these reports, IHS analysts employ a combined methodology of primary research interviews with local senior executives, secondary research involving domestic sources and econometric modelling entailing four-year forecasts. Each country report provides:

• Comprehensive and updated data repository
• Competitive intelligence
• Detailed market sizing
• Quantitative forecasts

• Gain an overall understanding of local market conditions and the outlook for the next four years, allowing you to streamline your consumer finance business in a chosen European country
• Identify the key drivers behind national credit supply and demand
• Understand and compare individual components that make up a country's credit picture across European countries

• Evolution in market concentration
• Credit standards
• Margins
• Competitive pressure

• A qualitative description of credit demand, updated quarterly:

• Perceived evolution and risk

• Four-year forecasts for outstanding and new loans, updated twice a year and segmented by:

• Car finance
• Revolving loans
• Personal & point-of-sale loans

• Qualitative data on each product segment (Car finance, revolving loans, personal and point-of-sale loans) updated every year, including:

• Key product characteristics (average loan amount, interest rates, maturity)
• Trends in profitability
• Evolution in competition

• A benchmark of financial data for leading consumer credit providers, updated every year, including:

• Ranking of the leading retail banks, credit specialists and captive financial companies on the consumer lending market
• Outstanding loans
• Net Interest margin
• Impairment losses
• Administrative expenses
• Net result 

• Detailed consumer loan interest rate data, updated quarterly 
• A macro-economic assessment derived from household consumption and revenue data, updated twice a year 
  

IHS Consumer Credit Watch is created by our consumer credit experts. These professionals have conducted years of primary research and statistical modeling on all major retail-lending markets in Eastern Europe, Western Europe and the United States. A combination of methodologies supports the analysis in the country reports:

• Primary sources: 60 hours of telephone interviews per year with executives of local credit providers
• Secondary sources: company registers, lending surveys, credit association data, central bank statistics, companies' financials and specialized newspapers
• Econometric modeling: four-year forecasts developed from a model that incorporates both macroeconomic data and qualitative information sourced from the interviews