Consumer Credit in the Czech Republic

TABLE OF CONTENTS
OVERVIEW 1
Catalyst 1
Summary 1
INTRODUCTION 5
Reasons to purchase 5
UNSECURED LENDING OVERVIEW 6
Total gross advances 6
Gross advances – credit card 8
Gross advances – non-credit card 10
Balances outstanding 12
UNSECURED LENDING BY PRODUCT TYPE 14
Unsecured lending by product, 2008 14
Personal loans (gross advances) 17
Motor finance (gross advances) 19
Retail finance (gross advances) 21
Overdrafts (gross advances) 23
KEY MARKET DRIVERS 25
Key market drivers, 2004–08 25
Key market drivers, 2008–13 26
APPENDIX 27
Methodology 27
Forecasting methodology 27
Estimations 27
Further reading 28
How to contact experts in your industry 28
Disclaimer 28

LIST OF FIGURES
Figure 1: Consumer credit market, Czech Republic, gross advances (€m), 2004–13 6
Figure 2: Consumer credit market, Czech Republic, credit card advances (€m), 2004–13 8
Figure 3: Consumer credit market, Czech Republic, non-credit card advances (€m), 2004–13 10
Figure 4: Consumer credit market, Czech Republic, balances outstanding (€m), 2004–08 12
Figure 5: Consumer credit market, Czech Republic, unsecured lending by product type (%), 2008 14
Figure 6: Consumer credit market, Czech Republic, unsecured lending by product type (€m),
2004–08 16
Figure 7: Consumer credit market, Czech Republic, personal loans (€m), 2004–08 17
Figure 8: Consumer credit market, Czech Republic, motor finance (€m), 2004–08 19
Figure 9: Consumer credit market, Czech Republic, retail finance (€m), 2004–08 21
Figure 10: Consumer credit market, Czech Republic, Overdrafts (€m), 2004–08 23
Figure 11: Consumer credit market, Czech Republic, gross advances key market drivers
(indexed variable, base 2004 = 100), 2004–08 25
Figure 12: Consumer credit market, Czech Republic, gross advances key market drivers
(indexed variable, base 2008 = 100), 2008–13 26

LIST OF TABLES
Table 1: Consumer credit market, Czech Republic, gross advances (€m), 2004–08 7
Table 2: Consumer credit market, Czech Republic, gross advances (€m), 2008–13 7
Table 3: Consumer credit market, Czech Republic, credit card advances (€m), 2004–08 9
Table 4: Consumer credit market, Czech Republic, credit card advances (€m), 2008–13 9
Table 5: Consumer credit market, Czech Republic, non-credit card advances (€m), 2004–08 11
Table 6: Consumer credit market, Czech Republic, non-credit card advances (€m), 2008–13 11
Table 7: Consumer credit market, Czech Republic, balances outstanding (€m), 2004–08 13
Table 8: Consumer credit market, Czech Republic, unsecured lending by product type (€m), 200815
Table 9: Consumer credit market, Czech Republic, personal loans (€m), 2004–08 18
Table 10: Consumer credit market, Czech Republic, motor finance (€m), 2004–08 20
Table 11: Consumer credit market, Czech Republic, retail finance (€m), 2004–08 22
Table 12: Consumer credit market, Czech Republic, Overdrafts (€m), 2004–08 24
Table 13: Consumer credit market, Czech Republic, key market drivers (%), 2004–08 25
Table 14: Consumer credit market, Czech Republic, key market drivers (%), 2008–13 26