PUBLISHER: TechSci Research | PRODUCT CODE: 1361441
PUBLISHER: TechSci Research | PRODUCT CODE: 1361441
France Loan Market, By Type, By Provider Type (Bank, Non-Banking Financial Companies and Others ), By Interest Rate, By Tenure Period, By Region, Competition, Forecast & Opportunities, 2028F
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France Loan Market is anticipated to project robust growth in the forecast period because of low-interest rates, increasing demand from automation in the loan process, and growing marketing strategies.
A loan is an agreement in which a lender provides cash to another party in exchange for an interest payment and the return of the funds at the end of the lending arrangement. Loans provide liquidity to businesses and individuals, making them a crucial component of the financial system.
The global health crisis caused by the COVID-19 virus and the following impact on the French economy resulted in a significant increase in demand from French homeowners to re-negotiate their existing debts. Over one-third of all house loans from French banks in the three months leading up to May 2021 stemmed from re-negotiations of previous loan agreements. Home loans dominated the French consumer lending industry. Personal loans (including auto loans) were the second largest category, followed by credit card loans.
| Market Overview | |
|---|---|
| Forecast Period | 2024-2028 |
| Market Size 2022 | USD 1,826 Billion |
| Market Size 2028 | USD 2,356 Billion |
| CAGR 2023-2028 | 4.8% |
| Fastest Growing Segment | NBFCs |
| Largest Market | Home Loan |
Rising Demand Of Home Loans Will Lead to the Market Growth
With interest rates in France at historically low levels in 2021, it is no surprise that the 12 months up to August 2021 saw more home sale transactions than any time in the previous decade (1,130,000 house sales). Banks specifically emphasize that new mortgage lending from French banks remains continuously robust, with 85% of banks reporting consistent demand for home mortgages. In September 2021, the total volume of house loans in France was USD23.37 billion. The French property market is the right choice from a long-term investing perspective. The French housing market has demonstrated in recent years that it is sufficiently solid and steady to withstand the transitory recession. This is primarily due to the nature of the French mortgage market. In France, 84.4% of borrowers have fixed-rate mortgages, making the French housing market less susceptible to the short ups and downs experienced by other countries. Thus, the high demand for home loans will fuel the France Loan Market.
Increase in Online Banking Will Boost The Market Growth
In recent years, there has been a shift toward mobile banking in France, with many residents using online payment apps to pay bills, transfer money, and even pay for groceries. One of Europe's most significant financial changes in recent years has been the growth of digital banking. France, one of Europe's developed economies, has undergone a substantial move toward internet banking; most French banks now promote digital services. Hence, increasing online banking will impact Loan Market in France. In terms of transaction value, mobile payments, credit cards, and other digital payment systems constitute France's most significant segment of FinTech. The increasing use of smartphones and extensive internet access drive demand for mobile financial transactions. Government programs also encourage customers to utilize contactless payment platforms. Thus, the France Loan market will grow faster with the increase in online banking.
Low Interest Rates Will Fuel The Market Growth
French consumers also have far lower borrowing costs for housing than their counterparts in other major European nations, partly due to restrictions limiting how quickly banks can raise interest rates. Due to France's low-interest rates, the market for French mortgages has remained strong, with the Banque de France reporting significant loan demand. Throughout 2021, interest rates on French mortgages have been historically low, contributing to the French housing market remaining in excellent condition. The average interest rate on new mortgages in France fell to an all-time low of 1.05% in August 2021. This was the lowest level of interest rates in the recent 50 years. Thus, a low-interest rate in France will lead to the growth of the France Loan market.
Market Segmentation:
The France Loan Market is segmented based on type, provider type, interest rate, tenure period, region, and competitional landscape. Based on type, the market is further fragmented into secured and unsecured loans. Based on provider type, the market is segmented into the bank, non-banking financial companies, and others (fintech companies). Based on interest rates, the market is segmented into fixed and floating. The market is segmented based on the tenure period into less than 5 years, 5-10 years, 11-20 years, and more than 20 years. Based on region, the market is divided into Northern France, Western France, Southern France, Eastern France, and Central France.
Company Profiles
BNP Paribas Group, Credit Agricole Group, Societe Generale Group, Groupe BPCE, AXA BANQUE, Credit Mutuel group, La Banque Postale Group, Credit du Nord, Banque de France and Dexia Group are also actively entering the market in recent years and further strengthening the market growth.
Report Scope:
In this report, France loan market has been segmented into following categories, in addition to the industry trends which have also been detailed below:
- France Loan Market, By Type:
Secured Loan
Unsecured Loan
- France Loan Market, By Provider Type:
Bank
Non-Banking Financial Companies
Others
- France Loan Market, By Interest Rate:
Fixed
Floating
- France Loan Market, By Tenure Period:
Less than 5 Years
5-10 Years
11-20 Years
More than 20 Years
- France Loan Market, By Region:
Northern France
Western France
Southern France
Eastern France
Central France
Competitive Landscape:
Company Profiles: Detailed analysis of the major companies present in France loan market.
Available Customizations:
With the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:
Company Information:
- Detailed analysis and profiling of additional market players (up to five).
Table of Contents
1. Introduction
- 1.1. Product Overview
- 1.2. Key Highlights of the Report
- 1.3. Market Coverage
- 1.4. Market Segments Covered
- 1.5. Research Tenure Considered
2. Research Methodology
- 2.1. Objective of the Study
- 2.2. Baseline Methodology
- 2.3. Key Industry Partners
- 2.4. Major Association and Secondary Sources
- 2.5. Forecasting Methodology
- 2.6. Data Triangulation & Validation
- 2.7. Assumptions and Limitations
3. Executive Summary
- 3.1. Market Overview
- 3.2. Market Forecast
- 3.3. Key Regions
- 3.4. Key Segments
4. Voice of Customer Analysis
- 4.1. Brand Awareness
- 4.2. Factors Influencing Loan Availing Decision
- 4.3. Sources of Information
- 4.4. Customer Satisfaction
- 4.5. Challenges Faced
5. France Loan Market Outlook
- 5.1. Market Size & Forecast
- 5.1.1. By Value
- 5.2. Market Share & Forecast
- 5.2.1. By Type Market Share Analysis (Secured Loan and Unsecured Loan)
- 5.2.2. By Provider Type Market Share Analysis (Bank, Non-Banking Financial Companies and Others (Fintech Companies))
- 5.2.3. By Interest Rate Market Share Analysis (Fixed and Floating)
- 5.2.4. By Tenure Period Market Share Analysis (Less than 5 Years, 5-10 Years, 11-20 Years, More than 20 Years)
- 5.2.5. By Regional Market Share Analysis
- 5.2.5.1. Northern France Market Analysis
- 5.2.5.2. Western France Analysis
- 5.2.5.3. Southern France Market Analysis
- 5.2.5.4. Eastern France Market Analysis
- 5.2.5.5. Central France Market Analysis
- 5.2.6. By Top 5 Companies Market Share Analysis, Others (2022)
- 5.3. France Loan Market Mapping & Opportunity Assessment
- 5.3.1. By Type Market Mapping & Opportunity Assessment
- 5.3.2. By Provider Type Market Mapping & Opportunity Assessment
- 5.3.3. By Interest Rate Market Mapping & Opportunity Assessment
- 5.3.4. By Tenure Period Market Mapping & Opportunity Assessment
- 5.3.5. By Regional Market Mapping & Opportunity Assessment
6. France Secured Loan Market Outlook
- 6.1. Market Size & Forecast
- 6.1.1. By Value
- 6.2. Market Share & Forecast
- 6.2.1. By Product Type Market Share Analysis (Mortgage Loan, Housing Loan, Auto Loan and Others (Gold Loan, Life Insurance Loan etc.))
- 6.2.2. By Provider Type Market Share Analysis
- 6.2.3. By Interest Rate Market Share Analysis
- 6.2.4. By Tenure Period Market Share Analysis
7. France Unsecured Loan Market Outlook
- 7.1. Market Size & Forecast
- 7.1.1. By Value
- 7.2. Market Share & Forecast
- 7.2.1. By Product Type Market Share Analysis (Personal Loan, Education Loan, Agricultural Loan and Others (Home Improvement Loan, Consumer Durable Loan etc.))
- 7.2.2. By Provider Type Market Share Analysis
- 7.2.3. By Interest Rate Market Share Analysis
- 7.2.4. By Tenure Period Market Share Analysis
8. Market Dynamics
- 8.1. Drivers
- 8.1.1. Rising demand of home loans
- 8.1.2. Increase in online banking
- 8.1.3. Low interest rates
- 8.2. Challenges
- 8.2.1. Data security and privacy concerns
- 8.2.2. Surging competition from NBFCs
9. Impact of COVID-19 on France Loan Market
- 9.1. Impact Assessment Model
- 9.1.1. Key Segments Impacted
- 9.1.2. Key Regions Impacted
10. Market Trends & Developments
- 10.1. Increasing demand of car loans
- 10.2. Rising government initiative
- 10.3. Attractive marketing strategies
- 10.4. Rising focus towards loan sector by Bank and NBFCs
- 10.5. Surge in multichannel collection service
11. Policy & Regulatory Landscape
12. France Economic Profile
13. Competitive Landscape
- 13.1. Company Profiles
- 13.1.1. BNP Paribas Group
- 13.1.1.1. Company Details
- 13.1.1.2. Product & Services
- 13.1.1.3. Financials (As Reported)
- 13.1.1.4. Key market Focus & Geographical Presence
- 13.1.1.5. Recent Developments
- 13.1.1.6. Key Management Personnel
- 13.1.2. Credit Agricole Group
- 13.1.2.1. Company Details
- 13.1.2.2. Product & Services
- 13.1.2.3. Financials (As Reported)
- 13.1.2.4. Key market Focus & Geographical Presence
- 13.1.2.5. Recent Developments
- 13.1.2.6. Key Management Personnel
- 13.1.3. Societe Generale Group
- 13.1.3.1. Company Details
- 13.1.3.2. Product & Services
- 13.1.3.3. Financials (As Reported)
- 13.1.3.4. Key market Focus & Geographical Presence
- 13.1.3.5. Recent Developments
- 13.1.3.6. Key Management Personnel
- 13.1.4. Groupe BPCE
- 13.1.4.1. Company Details
- 13.1.4.2. Product & Services
- 13.1.4.3. Financials (As Reported)
- 13.1.4.4. Key market Focus & Geographical Presence
- 13.1.4.5. Recent Developments
- 13.1.4.6. Key Management Personnel
- 13.1.5. AXA BANQUE
- 13.1.5.1. Company Details
- 13.1.5.2. Product & Services
- 13.1.5.3. Financials (As Reported)
- 13.1.5.4. Key market Focus & Geographical Presence
- 13.1.5.5. Recent Developments
- 13.1.5.6. Key Management Personnel
- 13.1.6. Credit Mutuel group
- 13.1.6.1. Company Details
- 13.1.6.2. Product & Services
- 13.1.6.3. Financials (As Reported)
- 13.1.6.4. Key market Focus & Geographical Presence
- 13.1.6.5. Recent Developments
- 13.1.6.6. Key Management Personnel
- 13.1.7. La Banque Postale Group
- 13.1.7.1. Company Details
- 13.1.7.2. Product & Services
- 13.1.7.3. Financials (As Reported)
- 13.1.7.4. Key market Focus & Geographical Presence
- 13.1.7.5. Recent Developments
- 13.1.7.6. Key Management Personnel
- 13.1.8. Credit du Nord
- 13.1.8.1. Company Details
- 13.1.8.2. Product & Services
- 13.1.8.3. Financials (As Reported)
- 13.1.8.4. Key market Focus & Geographical Presence
- 13.1.8.5. Recent Developments
- 13.1.8.6. Key Management Personnel
- 13.1.9. Banque de France
- 13.1.9.1. Company Details
- 13.1.9.2. Product & Services
- 13.1.9.3. Financials (As Reported)
- 13.1.9.4. Key market Focus & Geographical Presence
- 13.1.9.5. Recent Developments
- 13.1.9.6. Key Management Personnel
- 13.1.10. Dexia Group
- 13.1.10.1. Company Details
- 13.1.10.2. Product & Services
- 13.1.10.3. Financials (As Reported)
- 13.1.10.4. Key market Focus & Geographical Presence
- 13.1.10.5. Recent Developments
- 13.1.10.6. Key Management Personnel
- 13.1.1. BNP Paribas Group
14. Strategic Recommendations/Action Plan
- 14.1. Key Focus Areas
- 14.2. Target Type
- 14.3. Target Provider Type
15. About Us & Disclaimer
(Note: The companies list can be customized based on the client requirements.)
