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Consumer Lending in Portugal

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Description

The emergence of COVID-19 in Portugal resulted in economic instability with rising unemployment and a reduction in consumers' purchasing power. This scenario resulted in a significant decline in gross lending for consumer lending in 2020, as consumers reduced their application for consumer credit, particularly for non-essential purchases such as durables and automobiles, due to concerns of over-indebtedness, while lenders, concerned about a rise in non-performing loans (which at had previously b...

Euromonitor International's Consumer Lending in Portugal report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

Get a detailed picture of the Consumer Lending market; Pinpoint growth sectors and identify factors driving change; Understand the competitive environment, the market's major players and leading brands; Use five-year forecasts to assess how the market is predicted to develop.
Table of Contents
Product Code: FCPTcl

TABLE OF CONTENTS

List OF CONTENTS AND TABLES

EXECUTIVE SUMMARY

COVID-19 impact on consumer lending

COVID-19 country impact

Economic recession resulting in customers struggling financially offered relief by Bank of Portugal

Pandemic accelerates digitisation of the lending process in Portugal

Weakest performance by mortgages/housing gross lending in 2020 exacerbated by reduced investment in purchasing rentals for tourists

What next for consumer lending?

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2015-2020 Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020 Table 3 Consumer Lending: Gross Lending by Category: Value 2015-2020 Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020 Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020 Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020 Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020 Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020 Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2020-2025 Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025 Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2020-2025 Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

Summary 1 Research Sources

KEY DATA FINDINGS

2020 IMPACT

Pandemic results in weak consumer sentiment and rise in non-performing loans, leading to declines in gross lending for consumer credit

Ongoing positive performance for education lending from a low base

Mainstream financial service providers dominate consumer credit but alternatives gain share during pandemic

RECOVERY AND OPPORTUNITIES

Improving growth from 2022 but outstanding balance and gross lending only set to surpass pre-pandemic levels by 2025

Beyond pandemic, players set to look to digitalisation and improving customer experience

Competition amongst lenders likely to intensify

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2015-2020 Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020 Table 15 Consumer Credit: Gross Lending by Category: Value 2015-2020 Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020 Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2020-2025 Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025 Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2020-2025 Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025