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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Croatia is the lead<strong>in</strong>g CEE country on <strong>retail</strong> lend<strong>in</strong>g<br />
– Even more than on <strong>retail</strong> deposits<br />
Retail lend<strong>in</strong>g as % of GDP Retail deposits as % of GDP<br />
4.4<br />
15.3<br />
10.0<br />
4.5<br />
2.1<br />
0.5<br />
18.2<br />
10.9<br />
5.9<br />
5.0<br />
2.8<br />
0.7<br />
24.0<br />
12.4<br />
8.8<br />
6.5<br />
3.7<br />
1.4<br />
28.5<br />
12.6<br />
12.5<br />
8.3<br />
3.8<br />
6.2<br />
31.5<br />
14.9<br />
9.9<br />
4.6<br />
13.1<br />
10.4<br />
37.8<br />
16.5<br />
12.0<br />
2000 2001 2002 2003 2004 2005<br />
52.6% EU 12 54.4% EU 12<br />
7.7<br />
1)<br />
15.9<br />
14.0<br />
HR<br />
BG<br />
HU<br />
PL<br />
CZ<br />
RO<br />
Notes: For EU 12, <strong>retail</strong> lend<strong>in</strong>g and deposits <strong>in</strong>clude non profit <strong>in</strong>stitutions serv<strong>in</strong>g households<br />
Source: ECB Monthly Bullet<strong>in</strong>, CEE Bank<strong>in</strong>g Sector Report 2005 by RZB Group,<br />
1) Data for 2005 estimated – CAGR 20%<br />
CEE Household Credit report by Unicredit<br />
VIE-1789-90000-017-415<br />
31.3<br />
27.8<br />
13.4<br />
36.6<br />
24.4<br />
9.8<br />
43.8<br />
37.5<br />
29.5<br />
24.9<br />
17.0<br />
10.6<br />
41.1<br />
41.9<br />
42.8<br />
35.8 35.2 35.1<br />
30.1<br />
23.9<br />
17.6<br />
10.5<br />
26.1<br />
24.7<br />
19.9<br />
10.1<br />
25.4<br />
23.7<br />
23.2<br />
10.2<br />
44.0<br />
38.2<br />
27.8<br />
22.9<br />
10.9<br />
2000 2001 2002 2003 2004 2005<br />
1)<br />
25.9<br />
HR<br />
CZ<br />
BG<br />
HU<br />
PL<br />
RO<br />
9
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