Consumer Credit Watch

Consumer Credit Watch

IHS Global Insight Consumer Credit Watch compiles individual country reports detailing the local consumer finance business in select European 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 10-15-page country report provides:

• Competitive intelligence
• Detailed market sizing
• Quantitative forecasts

• Gain an overall understanding of local market conditions to streamline your consumer finance business in a chosen European country and to perceive that market's outlook for the next four years
• 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

• A qualitative description of credit supply:
  • Evolution in market concentration
  • Credit standards
  • Margins
  • Competitive pressure
• A qualitative description of credit demand:
  • Perceived evolution and risk
• Historical data and four-year forecasts for outstanding and new loans, segmented by:
  • Car finance
  • Revolving loans
  • Personal & point-of-sale loans
• A benchmark of financial data for leading consumer credit providers, including:
  • Outstanding loans
  • Net interest margin
  • Impairment losses
  • Administrative expenses
  • Net result
• Detailed consumer loan interest rate data
• A macro-economic assessment derived from household consumption and revenue data
  

• Primary sources: 60 hours of telephone interviews 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