Growth strategies in retail banking Study - Roland Berger
Growth strategies in retail banking Study - Roland Berger
Growth strategies in retail banking Study - Roland Berger
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Low mortgage penetration will drive growth <strong>in</strong> <strong>retail</strong><br />
lend<strong>in</strong>g, probably more than consumer f<strong>in</strong>ance<br />
Mortgage lend<strong>in</strong>g as % GDP [%] 2005 Consumer lend<strong>in</strong>g as % GDP [%] 2005<br />
EU 12<br />
HR 1)<br />
HU<br />
CZ<br />
PL<br />
RO 2.0<br />
5.3<br />
BG 4.6<br />
11.0<br />
9.5<br />
8.6<br />
36.6<br />
CAGR 2)<br />
10%<br />
18%<br />
66%<br />
50%<br />
26%<br />
124%<br />
98%<br />
EU 12<br />
Notes: For EU 12, <strong>retail</strong> lend<strong>in</strong>g <strong>in</strong>cludes non profit <strong>in</strong>stitutions serv<strong>in</strong>g households 1) Data for 2005 estimated 2) CAGR 2000-2005<br />
HR 1)<br />
Source: Bank<strong>in</strong>g structures CEE (ECB), ECB Monthly Bullet<strong>in</strong>, CEE Bank<strong>in</strong>g Report 2005<br />
BG<br />
PL<br />
HU<br />
RO 5.8<br />
7.4<br />
CZ 6.2<br />
9.5<br />
11.2<br />
16.0<br />
24.0<br />
CAGR 2)<br />
4%<br />
25%<br />
65%<br />
10%<br />
32%<br />
33%<br />
102%<br />
VIE-1789-90000-017-415<br />
10
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