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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<strong>Growth</strong> <strong>in</strong> <strong>retail</strong> lend<strong>in</strong>g is expected to slow down,<br />
driven more by mortgage than consumer lend<strong>in</strong>g<br />
Outstand<strong>in</strong>g <strong>retail</strong> loans [EUR m]<br />
CAGR<br />
Retail<br />
lend<strong>in</strong>g<br />
% GDP<br />
Mortage<br />
Consumer<br />
24,0%<br />
5,787<br />
1,661<br />
4,126<br />
2002<br />
28,5%<br />
7,190<br />
2,202<br />
4,988<br />
2003<br />
Source: CEE Bank<strong>in</strong>g Sector Report 2005<br />
20% 17%<br />
31,5%<br />
8,533<br />
2,797<br />
5,736<br />
37,8%<br />
11,022<br />
3,543<br />
7,479<br />
2004 2005E<br />
44,2%<br />
12,895<br />
4,145<br />
8,750<br />
2006E<br />
Comments<br />
Mortgage loans account for only 32%<br />
of <strong>retail</strong> loans <strong>in</strong> Croatia, while <strong>in</strong> the<br />
EU the percentage 80%<br />
Consumer f<strong>in</strong>ance boom fueled by<br />
strong demand for durables is<br />
expected to slow down due to<br />
restrictive National Bank measures,<br />
market saturation on certa<strong>in</strong><br />
segments, slow down <strong>in</strong> white goods<br />
demand<br />
VIE-1789-90000-017-415<br />
33
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