Table of Contents
Introduction and Abbreviations
Executive Summary
Background and Market Developments
Market Factors
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- Figure 1: Economic indicators of expenditure and borrowing, 1992-99
- Figure 2: Selected national accounts data, 1992-99
- Figure 3: PDI per capita at current prices, 1992-99
- Figure 4: Bank base rates (Barclays), 1988-99
- Figure 5: Credit cards: amounts outstanding and transaction values, 1993-99
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Market Size
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- Figure 6: Size of the personal loans market (gross lending), 1994-99
- Figure 7: Net flow of short and long term loans by MFIs, 1992-99
- Figure 8: Outstanding values of short and long term loans, 1992-99
- Figure 9: Net assets and liabilities by household and non-profit institutions serving households, 1992-99
- Figure 10: Consumer credit by main category (gross lending), 1992-99
- Figure 11: Consumer credit by main category, amounts outstanding at end of period, 1992-99
- Figure 12: Net lending on consumer credit, 1993-99
- Figure 13: Banks' share of annual net lending, 1993-99
- Figure 14: Summary of new business: personal loans, 1994-99
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Distribution and Promotion
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- Figure 15: UK branch network, 1993-98
- Figure 16: Top building societies and clearing banks' expenditure on loans, 1998
- Figure 17: Adspend on loans, 1994-98
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The Consumer
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- Figure 18: Credit facilities owned by socio-demographic characteristics, 1999
- Figure 19: Credit facilities owned, by lifestage and special groups, 1999
- Figure 20: Sources for a £1,000 loan, 1999
- Figure 21: Initial source for raising £1,000, by socio-demographics, 1999
- Figure 22: Sources for a £5,000 loan, 1999
- Figure 23: Sources of finance by ownership of credit products, 1999
- Figure 24: Preferred distribution channels for arranging a £5,000 loan, 1999
- Figure 25: Preferred method of arranging a £5,000 loan by socio-demographics, 1999
- Figure 26: Possible uses for personal loan, 1999
- Figure 27: Uses for a personal loan by socio-demographic characteristics, 1999
- Figure 28: Influential features when arranging a personal loan, 1999
- Figure 29: Influential features when arranging a personal loan, by socio-demographics, 1999
- Figure 30: Multiple product ownership and personal loan customers, 1999
- Figure 31: Existing ownership of financial products by borrowing behaviour, 1999
- Figure 32: Important considerations when taking out a personal loan, by ownership of existing products, 1999
- Figure 33: Cluster analysis groups by main current account provider, 1999
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Trade Interviews
The Future
Forecast
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- Figure 34: Forecast of net lending, 1998-2003
- Figure 35: Value of the personal loans market, gross lending 1999-2003
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