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Consumer Lending in France

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Description

The emergence of COVID-19 in France and the subsequent lockdown beginning in March 2020 introduced by the government in an attempt to halt the spread of the virus weakened consumer sentiment due to rising unemployment and decreasing disposable incomes. During a crisis, the French are known for saving rather than spending wherever possible, and this was most notable in the declines for both outstanding balance and gross lending in 2020, mainly driven by the significantly weaker performance of con...

Euromonitor International's Consumer Lending in France 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: FCFRcl

TABLE OF CONTENTS

List OF CONTENTS AND TABLES

EXECUTIVE SUMMARY

COVID-19 impact on consumer lending

COVID-19 country impact

Weak consumer sentiment despite financial assistance measures likely to limit early recovery of largest consumer credit category, card lending

Financial institutions tighten lending criteria in wake of rising unemployment and reduced capacity to repay loans

Dominant mortgages/housing fares better during pandemic

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

COVID-19 and subsequent lockdown weakens consumer sentiment and reduces demand for gross lending, while financially-stressed consumers are forced to rely on short-term loans

Weakest performance for auto lending as car production falters during lockdown and consumers prioritise spending

Financial institutions introduce more stringent lending criteria when assessing applications in 2020 in the context of financial instability

RECOVERY AND OPPORTUNITIES

Consumer caution regarding over-indebtedness and ongoing stringent lending criteria dampens early forecast for gross lending

Reluctance to spend in early years of forecast period may slow economic recovery

Education lending remains underdeveloped in France

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