市場調査レポート

欧州における小売業者による消費者金融とリテールバンキング

Retailer Consumer Finance and Banking in Europe

発行 Finaccord Ltd. 商品コード 297344
出版日 ページ情報 英文 307 pages
納期: 即日から翌営業日
価格
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欧州における小売業者による消費者金融とリテールバンキング Retailer Consumer Finance and Banking in Europe
出版日: 2013年12月01日 ページ情報: 英文 307 pages
概要

当レポートでは、欧州における小売業者による消費者金融とリテールバンキングについて、33カ国の3,300以上の著名な小売ブランドによる販売時点での消費者金融の調査に基づいて分析しており、また貯蓄預金、個人ローン、住宅ローンや国際送金における小売業者の取り組みについても検討を加えております。さらに付属するPartnerBASE データセットは、Finaccordによってトレースされている多くの小売業者による消費者金融やリテールバンキングプログラムのそれぞれにケースについて、小売業者や、最終製品プロバイダの親会社で使われているオペレーティングモデルについて詳しくお伝え致しつつ、概略下記の構成でお届け致します。

エグゼクティブサマリー

第1章 はじめに

  • このレポートについて
    • 理論的根拠
  • 調査方法
    • 小売業者の調査
  • 定義
    • 消費者金融とバンキング
    • オペレーティングモデル
    • 加重シェア
  • PartnerBASE
  • Finaccord

第2章 地域別概要

  • 消費者金融
    • 欧州の主要な小売ブランドの4分の1近くが顧客に消費者金融を提供
    • DIY、家具やホーム製品の小売業者は、活発に活動している
    • 統合されたオンライン決済や金融企業の増加が分布モデルによる引当率に影響を与えている
    • 消費者金融スキームのわずか70%が単一の外部パートナーとの連携で経営されている
    • 大部分の国は消費者金融に対する外部の規定に傾く...
    • ...しかし内部資金スキームは、セルビア、スイス、トルコで最も一般的である
    • BNP Paribas が保有するパートナーシップの強みが加重面で部門のリーダーにしている
    • オンライン決済会社を通じて提供されるファイナンススキームは今後ますます重要になる可能性が高い
    • Ottoは共同所有しているいくつかの消費者金融会社のおかげで大手のプロバイダにランキングしている
    • Banco Popolare はイタリアの消費者金融の主要プロバイダーに対する株式持分から利益を得ている
  • 銀行商品
    • 概要
    • 個人ローン、住宅ローンおよび貯蓄預金
  • 国際支払い/送金
    • 国際送金サービスは欧州において比較的少数の小売ブランドで提供されている
    • ...引当率は、ギリシャとハンガリーの両方でかなり高いが
    • ロシア企業のCFTはこの分野での小売業者とのパートナーシップで最高加重シェアを誇っている
  • 第3章 オーストリア
    • はじめに
    • 消費者金融
    • 銀行商品
      • 個人ローン、住宅ローンおよび貯蓄預金
      • 国際支払い/送金
    • (以下の国々についてもほぼ同様の項目で構成されております)
  • 第4章 ベルギー

第5章 ボスニア-ヘルツェゴビナ

第6章 ブルガリア

第7章 クロアチア

第8章 チェコ協和国

第9章 デンマーク

第10章 エストニア

第11章 フィンランド

第12章 フランス

第13章 グルジア

第14章 ドイツ

第15章 ギリシャ

第16章 ハンガリー

第17章 アイルランド

第18章 イタリア

第19章 ラトビア

第20章 リトアニア

第21章 オランダ

第22章 ノルウェー

第23章 ポーランド

第24章 ポルトガル

第25章 ルーマニア

第26章 ロシア

第27章 セルビア

第28章 スロバキア

第29章 スロベニア

第30章 スペイン

第31章 スペイン

第32章 スイス

第33章 トルコ

第34章 英国

第35章 ウクライナ

第36章 付録

目次
Product Code: report_rcfb_eu

‘Retailer Consumer Finance and Banking in Europe’ is a report, based on a survey of over 3,300 prominent retail brands in 33 countries, about the provision of consumer finance at the point of sale by major retailers across Europe. Retailer initiatives in savings deposits, personal loans, mortgages and international remittances are also considered.

Countries covered are Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Georgia, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Romania, Russia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, UK, and Ukraine.

In total, the research identifies over 760 consumer finance schemes and well over 100 product initiatives in retailer banking, thereby providing a definitive analysis of retailer consumer finance and banking in Europe that goes far beyond the scope of previous published research.

Moreover, the PartnerBASE™ dataset that accompanies the report details each of the many retailer consumer finance and banking programs traced by Finaccord, specifying the operating models used by retailers and the identities and ultimate holding companies of the ultimate product providers in each case.

Key findings from the executive summary include:

  • Sweden hosts the retailers most likely to offer consumer finance with a provision rate of 46.4%, followed by Poland at 46.1% and Germany at 43.6%;
  • finance providers owned wholly or in part by BNP Paribas hold the most partnerships in this field across Europe, with 161 different retail brands using one of its subsidiaries or joint ventures, including the 66 retailers sourcing consumer finance from subsidiaries of LaSer Group, its joint venture with Galeries Lafayette;
  • 153 different entities are reported as non-internal partners of retail brands for consumer finance schemes identified - many of these are entities in which the retail brands have no ownership stake although a total of 25 different captive and joint venture providers are visible in consumer finance, with 25 also active in retailer banking, and with some overlap between these two groups;
  • at 7.8% of supermarket and hypermarket brands researched, this is the retailer category that is most likely to be involved in mainstream banking, followed by department stores and variety retailers, at 7.5%.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • Rationale
      • Rationale arises both from factors specific to consumer finance and banking...
      • ... and from dynamics in the retailing market itself
  • Methodology
    • Survey of retailers
      • The survey's scope covers over 3,300 major retail brands drawn from ten categories and 33 countries...
      • ... and classified according to their use of offline-only, online-only or mixed distribution models
  • Definitions
    • Consumer finance and banking
    • Operating models
    • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Consumer finance
    • Close to a quarter of major retail brands in Europe offer consumer finance to their customers
    • Retailers of DIY, furniture and home products feature the highest rates of activity
    • The rise of integrated online payment and finance firms affects the provision rate by distribution model
    • Just over 70% of consumer finance schemes are run in conjunction with a single external partner
    • The great majority of countries lean toward external provision for consumer finance...
    • ... although internally-funded schemes are most common in Serbia, Switzerland and Turkey
    • The strength of the partnerships held by BNP Paribas makes it the sector leader in weighted terms
    • Finance schemes offered through online payment firms are likely to grow more important in future
    • Otto ranks among the leading providers thanks to several consumer finance firms that it co-owns
    • Banco Popolare benefits from its equity stake in the dominant provider of consumer finance in Italy
  • Banking products
    • Overview
      • Most retailer banking initiatives are centred on the provision of general-purpose personal loans
      • Retail brands in Sweden display the greatest rate of involvement in retailer banking
    • Personal loans, mortgages and savings accounts
      • Captive and joint venture banks account for over a half of the total number of initiatives identified...
      • ... with these most numerous among retail brands in the supermarket / hypermarket category
      • As a partner, BNP Paribas is involved in the most retail banking initiatives in Europe
  • International payments / remittances
    • International remittance services are offered by comparatively few major retail brands in Europe
    • ... although provision rates are fairly high in both Greece and Hungary
    • Russian firm CFT claims the highest weighted share of partnerships with retailers in this sphere

3.0 AUSTRIA

  • Introduction
  • Consumer finance
    • Over a quarter of major retail brands researched in Austria is active in point-of-sale consumer finance...
    • ...with Santander Consumer Finance by far the most commonly named partner in this realm
    • The provision rate for consumer finance peaks among DIY, furniture and home product retailers
  • Banking products
  • Personal loans, mortgages and savings accounts
  • International payments / remittances

4.0 BELGIUM

  • Introduction
  • Consumer finance
    • Comparatively few major retailers in Belgium have an arrangement for consumer finance...
    • ... with Buy Way Personal Finance and Santander Consumer Finance the most prominent providers
    • Buy Way Personal Finance lays claim to over 300,000 customers in Belgium
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Personal loans, mortgages and savings accounts
      • Mainstream banking activity is limited to one major retail chain
    • International payments / remittances

5.0 BOSNIA-HERZEGOVINA

  • Introduction
  • Consumer finance
    • Point-of-sale finance is limited to a small number of major retailers in Bosnia-Herzegovina
    • ... among which Raiffeisen Bank holds the most partnerships
    • Involvement in this field is concentrated in three retailer categories and two distribution models
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

6.0 BULGARIA

  • Introduction
  • Consumer finance
    • All consumer finance schemes in Bulgaria are based around use of one or more external providers
    • UniCredit Bulbank is the sector leader whether viewed in unweighted or weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

7.0 CROATIA

  • Introduction
  • Consumer finance
    • Very few major retailers in Croatia have an arrangement for offering consumer finance to customers
  • Banking products
    • Overview
      • Retailer banking initiatives are also scarce...
    • Personal loans, mortgages and savings accounts
      • ... with one initiative found in the area of unsecured personal loans
    • International payments / remittances

8.0 CZECH REPUBLIC

  • Introduction
  • Consumer finance
    • All retailers offering consumer finance in the Czech Republic use one or more external partners...
    • ... with three providers dominant in a field of four
    • Consumer finance programs are concentrated in four retailer categories
  • Banking products
    • Overview
      • Three major retail brands offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with unsecured personal loans the focus of all three
    • International payments / remittances

9.0 DENMARK

  • Introduction
  • Consumer finance
    • Just over a quarter of major retailers surveyed supply point-of-sale financing to consumers...
    • ...with a variety of external partners in evidence...
    • ... among which Ekspres Bank is the sector leader in both unweighted and weighted terms
    • Consumer finance schemes are absent in Denmark from four of the ten retailer categories
  • Banking products
    • Overview
      • Only retailers belonging to one group in Denmark offer mainstream banking products...
    • Personal loans, mortgages and savings accounts
      • ... all of which employ the same captive banking partner
    • International payments / remittances

10.0 ESTONIA

  • Introduction
  • Consumer finance
    • Both the number and provision rate of consumer finance schemes in Estonia are low...
    • ... in a market in which Swedbank is the most prominent provider
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

11.0 FINLAND

  • Introduction
  • Consumer finance
    • Over a third of major retail brands in Finland have an arrangement for consumer finance programs...
    • ...with online finance provider Klarna involved in nearly a half of partnerships...
    • ...and captive bank S-Pankki serving four different members of the S-Ryhmä co-operative
    • Eight of the ten retailer categories feature a provision rate that is higher than 30%
  • Banking products
    • Overview
      • Brands belonging to S-Ryhmä are also active in the provision of mainstream banking products...
    • Personal loans, mortgages and savings accounts
      • ... all of which are based around a shared, captive provider
    • International payments / remittances

12.0 FRANCE

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards in France reduces the need for stand-alone consumer finance...
    • ... with most retailers active in this area using external partnerships
    • The strength of Cofidis among online retailers makes it the sector leader in weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • 11 retailer brands in France offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... all of which market general-purpose personal loans
      • At a group level, Banque Accord saw steady growth in its key operating metrics during 2012
      • Carrefour has secured over 1.2 million customers with a savings deposit...
      • ... having built up its business steadily in this area over a number of years
      • Banque Casino experienced a change in its shareholder structure in 2011
    • International payments / remittances

13.0 GEORGIA

  • Introduction
  • Consumer finance
    • Multiple partnerships involving up to six different providers are a feature of the consumer finance market
    • ... with Bank of Georgia and Bank Republic the likely sector leaders
    • Retailers of consumer electronics post the highest provision rate for point-of-sale finance
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

14.0 GERMANY

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are nearly twice the rate for the whole of Europe...
    • ...with a large number of financial providers active in Germany
    • Following Santander Consumer Bank, Commerz Finanz has the next most partnerships...
    • ...although Hanseatic Bank is active both as an external partner and as a joint venture partner
    • Seven retailers reportedly fund and manage their own consumer finance schemes
    • The duo of Billpay and net-m privatbank 1891 collaborate with a number of online brands
    • The strength of Hanseatic Bank's joint venture partnerships makes it the sector leader in weighted terms
    • Retailers of DIY, furniture and home products feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Only three retailer brands in Germany offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... all of which market general-purpose personal loans
    • International payments / remittances

15.0 GREECE

  • Introduction
  • Consumer finance
    • Economic difficulties mean that few major retail brands are able to offer consumer finance...
    • ... although four external providers remain active in this domain
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

16.0 HUNGARY

  • Introduction
  • Consumer finance
    • The provision rate for consumer finance in Hungary is almost exactly that for Europe as a whole
    • Cetelem and Budapest Bank have established the most retailer partnerships for consumer finance...
    • ...with Budapest Bank holding the highest share of partnerships when considered in weighted terms
    • Consumer finance programs in Hungary are concentrated in four retailer categories
  • Banking products
    • Overview
      • A comparatively high proportion of major retail chains offer international remittance services
    • Personal loans, mortgages and savings accounts
      • Tesco utilises two external providers for its retailer banking products in Hungary
    • International payments / remittances
      • A local Hungarian partner of Western Union serves as an intermediary for international remittances

17.0 IRELAND

  • Introduction
  • Consumer finance
    • Very few major Irish retailers have a scheme in place for point-of-sale finance...
    • ... with all activity focused on just two retailer categories
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

18.0 ITALY

  • Introduction
  • Consumer finance
    • Consumer finance programs are overwhelmingly organised through one or more external partners...
    • ... among which three providers account for the vast majority of relationships
    • In both unweighted and weighted terms, Agos Ducato has a commanding share of partnerships
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Only three retailer brands in Italy offer any type of banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... two of which market general-purpose personal loans
    • International payments / remittances
      • Mercatone Uno is the one retail brand with an arrangement in this arena

19.0 LATVIA

  • Introduction
  • Consumer finance
    • Very few major retail brands in Latvia provide point-of-sale finance to their customers...
    • ... although as many as four different providers are available if needed
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

20.0 LITHUANIA

  • Introduction
  • Consumer finance
    • All major retailers offering consumer finance utilise Ukio Banko Lizingas as a partner...
    • ... although several work with one or more other providers...
    • ... among which General Financing is most prominent
  • Banking products
    • Overview
      • Two retailer brands in Lithuania offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with both focused on general-purpose personal loans
    • International payments / remittances

21.0 NETHERLANDS

  • Introduction
  • Consumer finance
    • Santander Consumer Finance is by far the most frequently named external partner for consumer finance
    • ... whether analysed on an unweighted or weighted basis
    • Retailers of DIY, furniture and home products feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Mainstream banking products are offered by three major retailers in the Netherlands...
    • Personal loans, mortgages and savings accounts
      • ... with initiatives traced in both unsecured personal loans and savings accounts
    • International payments / remittances

22.0 NORWAY

  • Introduction
  • Consumer finance
    • Online payment and finance provider Klarna has secured the most relationships for consumer finance...
    • ... albeit eight other non-captive, non-internal providers are also involved in this market
    • Only minor changes occur when partnerships are viewed in weighted terms
    • Klarna's influence boosts the consumer finance provision rate among online-only retailers
  • Banking products
    • Overview
      • Involvement in retailer banking is limited to just one major Norwegian retailer...
    • Personal loans, mortgages and savings accounts
      • ... by means of a link with a lender that was formerly a captive company
    • International payments / remittances

23.0 POLAND

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance in Poland run at double the rate for the rest of Europe...
    • ... with five main providers active in this arena
    • Santander added online finance firm żagiel to its stable in 2012
    • Alior Bank's loan book is expanding rapidly
    • Sygma Bank lays claim to the most partnerships with retailers for consumer finance in Poland
    • Retailers in the DIY, furniture and home sector display the highest provision rates in Poland
  • Banking products
    • Overview
      • Six retailer brands in Poland offer general-purpose personal loans to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with five different providers apparent in this field
    • International payments / remittances

24.0 PORTUGAL

  • Introduction
  • Consumer finance
    • The large number of retailer payment card schemes in Portugal reduces appetite for consumer finance...
    • ... with the result that comparatively few external partners are competing in this field
    • Oney and Cetelem are the two sector leaders in both the unweighted and weighted analyses
    • Consumer finance schemes are focused on five retailer categories
  • Banking products
    • Overview
      • Retailer banking activity is limited to just one major Portuguese retailer
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

25.0 ROMANIA

  • Introduction
  • Consumer finance
    • Five providers vie for mandates with major retail brands in Romania...
    • ... with UniCredit Tiriac enjoying a slim lead over BRD Finance in terms of partnership share
    • Three of the ten retailer categories feature consumer finance programs
  • Banking products
    • Personal loans, mortgages and savings accounts
    • International payments / remittances

26.0 RUSSIA

  • Introduction
  • Consumer finance
    • Close to 20% of major retail brands in Russia operate schemes for point-of-sale finance
    • The use of multiple providers of consumer finance produces a fairly fragmented supply structure...
    • ... albeit Alfa-Bank emerges as the leader in both unweighted and weighted terms...
    • ... followed by Russian Standard Bank
    • Three retailer categories feature provision rates for consumer finance of 50% or more
  • Banking products
    • Overview
      • Few retailer brands in Russia offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with both a traditional captive bank as well as short-term lenders active in the market
    • International payments / remittances
      • Zolotaya Korona is used by all three retailers offering international remittances

27.0 SERBIA

  • Introduction
  • Consumer finance
    • Internally-funded consumer finance schemes are in the majority among Serbian retail brands
    • Raiffeisen Bank is the only external provider named by more than one major retailer...
    • ... making it the sector leader whether viewed on an unweighted or weighted basis
    • Four out of ten retailer categories host consumer finance programs
  • Banking products
    • Overview
      • Only one retailer brand in Serbia offers mainstream banking products to its customers...
    • Personal loans, mortgages and savings accounts
      • ... with Raiffeisen Bank again the partner used in this context
    • International payments / remittances

28.0 SLOVAKIA

  • Introduction
  • Consumer finance
    • Cetelem claims the most partnerships with major retail brands in the Slovak consumer finance market...
    • ... in which only two other competitors are apparent
    • The highest provision rate for consumer finance is recorded by retailers of DIY, furniture and home products
  • Banking products
    • Overview
      • IKEA, Metro and Tesco all promote general-purpose personal loans in Slovakia...
    • Personal loans, mortgages and savings accounts
      • ... each using a different partner for this purpose
    • International payments / remittances

29.0 SLOVENIA

  • Introduction
  • Consumer finance
    • The provision rate among major retailers in Slovenia is below the wider European average...
    • ... albeit at least six providers of consumer finance are active in this country
    • Schemes for point-of-sale finance are concentrated in three retailer categories
  • Banking products
    • Overview
      • Just one retailer banking initiative is apparent in Slovenia...
    • Personal loans, mortgages and savings accounts
      • ... with SKB Banka used as the product partner
    • International payments / remittances

30.0 SPAIN

  • Introduction
  • Consumer finance
    • The popularity of retailer payment cards may reduce the need for stand-alone consumer finance
    • Santander, Cetelem and Cofidis are all involved in roughly the same number of programs...
    • ...with Cetelem showing only a very slight advantage in weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Overview
      • Only two retailer brands in Spain offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... both of which involve the distribution of general-purpose personal loans
    • International payments / remittances

31.0 SWEDEN

  • Introduction
  • Consumer finance
    • A higher proportion of major retailers offer consumer finance in Sweden than in any other European country
    • Klarna is the most commonly named provider of consumer finance by a substantial margin...
    • ... although there are at least eight other firms competing for retailer mandates
    • When viewed in weighted terms, Klarna remains dominant albeit to a slightly lesser degree
    • Retailers selling through a mixed or online-only model are significantly more likely to offer financing
  • Banking products
    • Overview
      • Eight different retail brands in Sweden offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ...with three different captive partners utilised for this purpose
      • ICA Banken has grown both assets and profitability at a consistent rate in recent years
      • Across all of its operations, IKANO Bank has around 500,000 customers with a non-card loan product
    • International payments / remittances
      • One major retail chain is active in the market for international remittances

32.0 SWITZERLAND

  • Introduction
  • Consumer finance
    • Switzerland is characterised by its preference for internally-funded consumer finance programs...
    • ... with only one non-captive provider in evidence
    • Consumer finance is most often available from retailers of DIY, furniture and home products
  • Banking products
    • Overview
      • Five retailer brands in Switzerland offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... with three of these using banks classified as captive partners
    • International payments / remittances
      • Moneygram has secured two partnerships among major retailers researched in Switzerland

33.0 TURKEY

  • Introduction
  • Consumer finance
    • Provision rates for point-of-sale finance are notably low in Turkey...
    • ... with many of the small number of active retailers opting to manage their programs internally
    • External providers of consumer finance include BankPozitif, Garanti Bank, KoçFinans and KrediVer...
    • ... with the latter firm holding the highest share of partnerships in both unweighted and weighted terms
    • Retailers of consumer electronics feature the highest provision rate for consumer finance
  • Banking products
    • Migros has tied with ING Bank to promote general-purpose unsecured personal loans

34.0 UK

  • Introduction
  • Consumer finance
    • Retailer provision rates for point-of-sale finance are roughly equal to the provision rate for all of Europe
    • Hitachi Capital and Barclays Consumer Finance boast the most partnerships as external providers...
    • ... and relatively few retail brands manage consumer finance schemes on a captive or internal basis
    • Viewed in weighted terms, Shop Direct Finance Company assumes greater prominence
    • Barclays Partner Finance and Hitachi Capital (UK) have both experienced rising profitability...
    • ...as has the UK-based branch of the LaSer Group...
    • ...while Shop Direct Finance Company has continued to experience difficulty amid reorganisation
    • Almost two thirds of retail brands in one category offer point-of-sale finance to customers
  • Banking products
    • Overview
      • 12 retailer brands in the UK offer mainstream banking products to their customers...
    • Personal loans, mortgages and savings accounts
      • ... all of which market general-purpose personal loans
      • M&S Bank was re-launched in 2012 as an expansion of M&S Money
      • Sainsbury's assumed full ownership of Sainsbury's Bank in May 2013...
      • ... having posted higher profits in its final year as a joint venture...
      • Tesco Bank posted a trading profit of GBP 191 million for the year ending February 2013
    • International payments / remittances

35.0 UKRAINE

  • Introduction
  • Consumer finance
    • Alfa-Bank is used as a partner for consumer finance by five major retail chains in Ukraine...
    • ... making it the sector leader in both unweighted and weighted terms
    • All major retailers of consumer electronics have arrangements for consumer finance
  • Banking products
    • Overview
      • Metro is the only retailer surveyed in Ukraine to offer mainstream banking products to its customers...
    • Personal loans, mortgages and savings accounts
      • ... utilising two partner organisations for this purpose
    • International payments / remittances

36.0 APPENDIX

  • Major captives and joint ventures
    • 25 captive or joint venture consumer finance providers are active in Europe...
    • ... many of which also offer mainstream banking products

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Retailers researched in Europe, segmented by category, country and distribution model, 2013

2.0 REGIONAL OVERVIEW

  • Retailer consumer finance in Europe: provision by country, 2013
  • Retailer consumer finance in Europe: provision by retailer category and distribution model, 2013
  • Retailer consumer finance in Europe: provision rate and operating models, 2013
  • Retailer consumer finance in Europe: operating models by country, 2013
  • Retailer consumer finance in Europe: unweighted and weighted provider share of partnerships, 2013
  • Retailer banking in Europe: provision by product type, 2013
  • Retailer banking in Europe: provision by country, 2013
  • Retailer personal loans, mortgages and savings accounts in Europe: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Europe: operating models by country, 2013
  • Retailer personal loans, mortgages and savings accounts in Europe: provision by retailer category and distribution model, 2013
  • Retailer personal loans, mortgages and savings accounts in Europe: unweighted and weighted provider share of partnerships, 2013
  • Retailer international payments / remittances in Europe: provision and operating models, 2013
  • Retailer international payments / remittances in Europe: provision by country, 2013
  • Retailer international payments / remittances in Europe: provision by retailer category and distribution model, 2013
  • Retailer international payments / remittances in Europe: unweighted and weighted provider share of partnerships, 2013

3.0 AUSTRIA

  • Retailer consumer finance in Austria: provision rate and operating models, 2013
  • Retailer consumer finance in Austria: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Austria, 2013

4.0 BELGIUM

  • Retailer consumer finance in Belgium: provision rate and operating models, 2013
  • Retailer consumer finance in Belgium: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Belgium, 2013
  • Retailer personal loans, mortgages and savings accounts in Belgium: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Belgium, 2013

5.0 BOSNIA-HERZEGOVINA

  • Retailer consumer finance in Bosnia-Herzegovina: provision rate and operating models, 2013
  • Retailer consumer finance in Bosnia-Herzegovina: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Bosnia-Herzegovina, 2013

6.0 BULGARIA

  • Retailer consumer finance in Bulgaria: provision rate and operating models, 2013
  • Retailer consumer finance in Bulgaria: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Bulgaria, 2013

7.0 CROATIA

  • Retailer consumer finance in Croatia: provision rate and operating models, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Croatia, 2013
  • Retailer provision of other banking products and services in Croatia, 2013
  • Retailer personal loans, mortgages and savings accounts in Croatia: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Europe, 2013

8.0 CZECH REPUBLIC

  • Retailer consumer finance in the Czech Republic: provision rate and operating models, 2013
  • Retailer consumer finance in the Czech Republic: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the Czech Republic, 2013
  • Retailer provision of other banking products and services in the Czech Republic, 2013
  • Retailer personal loans, mortgages and savings accounts in the Czech Republic: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the Czech Republic: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the Czech Republic, 2013

9.0 DENMARK

  • Retailer consumer finance in Denmark: provision rate and operating models, 2013
  • Retailer consumer finance in Denmark: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Denmark, 2013
  • Retailer provision of other banking products and services in Denmark, 2013
  • Retailer personal loans, mortgages and savings accounts in Denmark: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Denmark, 2013

10.0 ESTONIA

  • Retailer consumer finance in Estonia: provision rate and operating models, 2013
  • Retailer consumer finance in Estonia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Estonia, 2013

11.0 FINLAND

  • Retailer consumer finance in Finland: provision rate and operating models, 2013
  • Retailer consumer finance in Finland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Finland, 2013
  • Retailer provision of other banking products and services in Finland, 2013
  • Retailer personal loans, mortgages and savings accounts in Finland: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Finland, 2013

12.0 FRANCE

  • Retailer consumer finance in France: provision rate and operating models, 2013
  • Retailer consumer finance in France: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in France, 2013
  • Retailer provision of other banking products and services in France, 2013
  • Retailer personal loans, mortgages and savings accounts in France: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in France: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in France, 2013

13.0 GEORGIA

  • Retailer consumer finance in Georgia: provision rate and operating models, 2013
  • Retailer consumer finance in Georgia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Georgia, 2013

14.0 GERMANY

  • Retailer consumer finance in Germany: provision rate and operating models, 2013
  • Retailer consumer finance in Germany: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Germany, 2013
  • Retailer provision of other banking products and services in Germany, 2013
  • Retailer personal loans, mortgages and savings accounts in Germany: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Germany: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Germany, 2013

15.0 GREECE

  • Retailer consumer finance in Greece: provision rate and operating models, 2013
  • Retailer consumer finance in Greece: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Greece, 2013

16.0 HUNGARY

  • Retailer consumer finance in Hungary: provision rate and operating models, 2013
  • Retailer consumer finance in Hungary: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Hungary, 2013
  • Retailer provision of other banking products and services in Hungary, 2013
  • Retailer personal loans, mortgages and savings accounts in Hungary: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Hungary: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Hungary, 2013
  • Retailer international payments / remittances in Europe: provision and operating models, 2013
  • Provision of international payment / remittance services by retailer category and distribution model in Hungary, 2013

17.0 IRELAND

  • Retailer consumer finance in Ireland: provision rate and operating models, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Ireland, 2013

18.0 ITALY

  • Retailer consumer finance in Italy: provision rate and operating models, 2013
  • Retailer consumer finance in Italy: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Italy, 2013
  • Retailer provision of other banking products and services in Italy, 2013
  • Retailer personal loans, mortgages and savings accounts in Italy: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Italy: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Italy, 2013
  • Retailer international payments / remittances in Italy: provision rate and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Italy, 2013

19.0 LATVIA

  • Retailer consumer finance in Latvia: provision rate and operating models, 2013
  • Retailer consumer finance in Latvia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Latvia, 2013

20\n.0 LITHUANIA

  • Retailer consumer finance in Lithuania: provision rate and operating models, 2013
  • Retailer consumer finance in Lithuania: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Lithuania, 2013
  • Retailer provision of other banking products and services in Lithuania, 2013
  • Retailer personal loans, mortgages and savings accounts in Lithuania: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Lithuania: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Lithuania, 2013

21.0 NETHERLANDS

  • Retailer consumer finance in the Netherlands: provision rate and operating models, 2013
  • Retailer consumer finance in the Netherlands: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the Netherlands, 2013
  • Retailer provision of other banking products and services in the Netherlands, 2013
  • Retailer personal loans, mortgages and savings accounts in the Netherlands: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the Netherlands: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the Netherlands, 2013

22.0 NORWAY

  • Retailer consumer finance in Norway: provision rate and operating models, 2013
  • Retailer consumer finance in Norway: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Norway, 2013
  • Retailer provision of other banking products and services in Norway, 2013
  • Retailer personal loans, mortgages and savings accounts in Norway: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Norway, 2013

23.0 POLAND

  • Retailer consumer finance in Poland: provision rate and operating models, 2013
  • Retailer consumer finance in Poland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Poland, 2013
  • Retailer provision of other banking products and services in Poland, 2013
  • Retailer personal loans, mortgages and savings accounts in Poland: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Poland: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Poland, 2013

24.0 PORTUGAL

  • Retailer consumer finance in Portugal: provision rate and operating models, 2013
  • Retailer consumer finance in Portugal: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Portugal, 2013
  • Retailer provision of other banking products and services in Portugal, 2013
  • Retailer international payments / remittances in Portugal: provision and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Portugal, 2013

25.0 ROMANIA

  • Retailer consumer finance in Romania: provision rate and operating models, 2013
  • Retailer consumer finance in Romania: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Romania, 2013
  • 26.0 RUSSIA
  • Retailer consumer finance in Russia: provision rate and operating models, 2013
  • Retailer consumer finance in Russia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Russia, 2013
  • Retailer provision of other banking products and services in Russia, 2013
  • Retailer personal loans, mortgages and savings accounts in Russia: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Russia: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Russia, 2013
  • Retailer international payments / remittances in Russia: provision and operating models, 2013
  • Retailer international payments / remittances in Russia: unweighted and weighted provider share of partnerships, 2013

27.0 SERBIA

  • Retailer consumer finance in Serbia: provision rate and operating models, 2013
  • Retailer consumer finance in Serbia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Serbia, 2013
  • Retailer provision of other banking products and services in Serbia, 2013
  • Retailer personal loans, mortgages and savings accounts in Serbia: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Serbia, 2013

28.0 SLOVAKIA

  • Retailer consumer finance in Slovakia: provision rate and operating models, 2013
  • Retailer consumer finance in Slovakia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Slovakia, 2013
  • Retailer provision of other banking products and services in Slovakia, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovakia: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovakia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Slovakia, 2013

29.0 SLOVENIA

  • Retailer consumer finance in Slovenia: provision rate and operating models, 2013
  • Retailer consumer finance in Slovenia: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Slovenia, 2013
  • Retailer provision of other banking products and services in Slovenia, 2013
  • Retailer personal loans, mortgages and savings accounts in Slovenia: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Slovenia, 2013

30.0 SPAIN

  • Retailer consumer finance in Spain: provision rate and operating models, 2013
  • Retailer consumer finance in Spain: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Spain, 2013
  • Retailer provision of other banking products and services in Spain, 2013
  • Retailer personal loans, mortgages and savings accounts in Spain: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Spain: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Spain, 2013

31.0 SWEDEN

  • Retailer consumer finance in Sweden: provision rate and operating models, 2013
  • Retailer consumer finance in Sweden: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Sweden, 2013
  • Retailer provision of other banking products and services in Sweden, 2013
  • Retailer personal loans, mortgages and savings accounts in Sweden: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Sweden: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Sweden, 2013
  • Retailer international payments / remittances in Sweden: provision and operating models, 2013
  • Provision of international payments / remittances by retailer category and distribution model in Sweden, 2013

32.0 SWITZERLAND

  • Retailer consumer finance in Switzerland: provision rate and operating models, 2013
  • Retailer consumer finance in Switzerland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Switzerland, 2013
  • Retailer provision of other banking products and services in Switzerland, 2013
  • Retailer personal loans, mortgages and savings accounts in Switzerland: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in Switzerland: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Switzerland, 2013
  • Retailer international payments / remittances in Switzerland: provision and operating models, 2013
  • Provision of retailer international payments / remittances by retailer category and distribution model in Switzerland, 2013

33.0 TURKEY

  • Retailer consumer finance in Turkey: provision rate and operating models, 2013
  • Retailer consumer finance in Turkey: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Turkey, 2013
  • Retailer personal loans, mortgages and savings accounts in Turkey: provision and operating models, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in Turkey, 2013

34.0 UK

  • Retailer consumer finance in the UK: provision rate and operating models, 2013
  • Retailer consumer finance in the UK: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in the UK, 2013
  • Retailer provision of other banking products and services in the UK, 2013
  • Retailer personal loans, mortgages and savings accounts in the UK: provision and operating models, 2013
  • Retailer personal loans, mortgages and savings accounts in the UK: unweighted and weighted provider share of partnerships, 2013
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in the UK, 2013

35.0 UKRAINE

  • Retailer consumer finance in Ukraine: provision rate and operating models, 2013
  • Retailer consumer finance in Ukraine: unweighted and weighted provider share of partnerships, 2013
  • Provision of retailer consumer finance by retailer category and distribution model in Ukraine, 2013
  • Retailer provision of other banking products and services in Ukraine, 2013
  • Retailer personal loans, mortgages and savings accounts in Ukraine: provision and operating models, 2013
  • Provision of retailer personal loans, mortgages and savings accounts by retailer category and distribution model in Ukraine, 2013

36.0 APPENDIX

  • Retailer captives and joint ventures for consumer finance in Europe: countries active, operating models, and ownership, 2013
  • Retailer captives and joint ventures for banking products in Europe: countries active, operating models, and ownership, 2013
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