Member Profile. ANFH Finansieringsselskapenes Forening The Association of Norwegian Finance Houses
|
|
- Ronald Webster
- 8 years ago
- Views:
Transcription
1 Finansieringsselskapenes Forening The Association of Norwegian Finance Houses
2 NOTE: Sources and definitions are provided in the accompanying supplemental document
3 Norwegian economic context Population 1 (millions on January 1) (p) Real GDP growth 2 0.7% - Household Final Consumption Expenditure 5 2.1% - Unemployment 3 3.5% - Inflation 4 2.0% - Real household consumption per capita 6 ( /inhabitant) Real adjusted household gross disposable income per capita 7 ( /inhabitant) Saving rate % - Indebtedness ratio % (2012) - - Source: Eurostat 1-9
4 Norwegian economic context Norway compared to the rest of Europe Real GDP growth rate 2 and household final consumption growth 5 for 2013 Household real adjusted gross disposable income 7 vs. household real consumption 6 ( per capita, 2013) 5% 30,000 4% 3% 2% 25,000 20,000 1% 15,000 0% -1% -2% 10,000 5,000-3% IT PT ES FI NL CZ DK DE FR BE NO SE PL UK LT RO 0 ROCZ PL LT PT ESNLDK IT FRSE FI BEUKDENO Real GDP Growth Household Final Consumption Expenditure Household real consumption Household real adjusted gross disposable income Source: Eurostat 2, 5-7
5 Norwegian economic context Norway compared to the rest of Europe Household saving rate 8 (%) Household gross debt-to-income ratio 9 (%) 18% 300% 16% 14% 250% 12% 200% 10% 8% 150% 6% 100% 4% 2% 0% LT PL DK UK FI ES CZ NL IT PT NO SE FR BE DE 50% 0% LT PL CZ IT FR DE BE FI PT ES UK SE NO NL DK Source: Eurostat 8&9
6 Norwegian consumer credit market structure Dec 2013 ()* Dec 2013 ECB June 2014 ()* 1. Total lending to households in mil (outstandings)** Consumer credit*** Loans for house purchasing Loans for other purposes**** Growth of total consumer credit national market in terms of outstandings (CAGR 08-13) ( - including car finance) na (ECB) na Source: *Estimates provided by the Norwegian member association on the size of the national market. **exchange rate of 1 Euro = 8.3 Norwegian Kroner used. ***includes overdraft and working capital facilities. ****includes housebuilding loans.
7 Norwegian consumer credit market structure All companies dealing with consumer credit in Norway are required to be licensed, which includes universal and specialised banks and finance houses. European lenders are present in the market through subsidiaries or affiliates. Growth in consumer lending was high in the years preceding the financial crisis of 2008, but fell substantially the following year. The last three years have again seen quickening growth. Banks loans to households are predominantly home mortgage loans, whereas uncollateralised consumer loans are fairly limited. While it remains unknown how much of these loans are used to finance consumer consumption, many of them will have been used to finance consumer goods such as cars, redecoration and other personal commodities. In addition to loans collateralized by residential property, other important forms of financing include revolving credit products such as credit cards, vehicle finance and unsecured loans. Companies offering credit cards provide financing by point of sale and this plays, together with internet lending, an important role in Norwegian consumer finance. The unsecured loan and revolving credit markets have been increasing since 2009, with growth in Q of 7.8%. Unsecured loans vary in value from approximately 1,250 to 43,500. Source:
8 membership member companies are specialsed in vehicle finance, personal (unsecured) loans and all types of credit cards. member companies are not involved in mortgage lending. member companies do not offer home equity loans. For the moment member companies do not offer cross border consumer credit. Some of our member companies have branches in other Nordic countries. Some of s members only deal with credit cards. Most of their members deal with car financing and some offer in addition credit cards and unsecured loans. Source:
9 membership membership structure Finance houses 24 Captives 6 Specialised banks 3 Universal banks 1 Other 1 Share of total national consumer credit & car finance market Share of total national mortgage market 0.0% na Share of new consumer credit granted Growth of total consumer credit member market in terms of outstandings (CAGR 08-13): 8.4% Consumer car finance na 81% Non auto PoS 13 na 1% Personal loans na 18% Revolving na 0% Source: Eurofinas 12,14
Member Profile. ASSOFIN Associazione Italiana del credito al consumo e immobiliare
Associazione Italiana del credito al consumo e immobiliare NOTE: Sources and definitions are provided in the accompanying supplemental document Italian economic context 2013 2014 Population 1 (millions
More informationHU CZ FI PL SI PT IT ES NO NL FR DK SE IE GB AT DE CH LU 0 10 20 30 40 Foreigners' share Source: Eurostat More trust 3 4 5 6 7 PL HU CZ SI PT GR ES DK FI SE
More informationMacro-prudential instruments in Slovakia. Štefan Rychtárik Národná banka Slovenska
Macro-prudential instruments in Slovakia Štefan Rychtárik Národná banka Slovenska Macroprudential policymaking in emerging Europe, Vienna 2.6.2016 General background Banking: Very short history and experience
More informationHousehold saving rate higher in the EU than in the USA despite lower income Household income, saving and investment, 1995-2007
Economy and finance Authors: Peeter LEETMAA, Hervé RENNIE, Béatrice THIRY Statistics in Focus 29/2009 Household saving rate higher in the EU than in the A despite lower income Household income, saving
More informationNon-Life Bancassurance in Europe: Motor and Household Insurance
Non-Life Bancassurance in Europe: Motor and Household Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the
More informationHousehold Credit Market Report
Household Credit Market Report H2 2015 The Central Bank of Ireland s Household Credit Market Report (HCMR) is compiled by the Financial Stability Division. It collates information from a wide range of
More informationEBA REPORT ON ASSET ENCUMBRANCE JUNE 2016
EBA REPORT ON ASSET ENCUMBRANCE JUNE 2016 1 Contents List of figures 3 Executive summary 4 Analysis of the asset encumbrance of European banks 6 Sample 6 Scope of the report 6 Total encumbrance 7 Encumbrance
More informationFinland and Sweden in a cross country comparison. What are the lessons?
Antti Suvanto Finland and Sweden in a cross country comparison. What are the lessons? Euroframe Conference Warsaw, 24 May2013 Outline Performance longer-term trends the recession experience Policy monetary
More informationHousehold Credit Market Report
Household Credit Market Report H1 2015 The Central Bank of Ireland s Household Credit Market Report is compiled by the Financial Stability Division. It collates information from a wide range of internal
More informationTackling undeclared work in the European Union and the EU candidate countries. Barbara Gerstenberger Eurofound
Tackling undeclared work in the European Union and the EU candidate countries Barbara Gerstenberger Eurofound Outline Definition of undeclared work Nature of undeclared work Tackling undeclared work in
More informationRemarks at 5th SEEK Conference on Overcoming the Crisis: How to Foster Innovation and Entrepreneurship in a Diverging European Economy?
Remarks at 5th SEEK Conference on Overcoming the Crisis: How to Foster Innovation and Entrepreneurship in a Diverging European Economy? Peter Praet Member of the Executive Board 5 years ahead growth expectations
More informationERMInE Database. Presentation by Nils Flatabø SINTEF Energy Research. ERMInE Workshop 2 - Northern Europe Oslo, 1. November 2006
ERMInE Database Presentation by Nils Flatabø SINTEF Energy Research ERMInE Workshop 2 - Northern Europe Oslo, 1. November 26 Overview Content of the Ermine Database Electronic Questionnaire RTD&D Data
More informationInternational competition will change mortgage lending
Pentti Hakkarainen Deputy Governor, Bank of Finland International competition will change mortgage lending Nordic Mortgage Council Helsinki, 28 August 2015 28.8.2015 Unrestricted 1 Financial stability
More informationCOMMISSION STAFF WORKING DOCUMENT STATISTICAL ANNEX. Accompanying the document
EUROPEAN COMMISSION Brussels, 28.11.2014 SWD(2014) 346 final COMMISSION STAFF WORKING DOCUMENT STATISTICAL ANNEX Accompanying the document REPORT FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL,
More informationLife Bancassurance in Europe: Protection-Related Life Insurance
Life Bancassurance in Europe: Protection-Related Life Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the
More informationFACTORS AFFECTING THE LOAN SUPPLY OF BANKS
FACTORS AFFECTING THE LOAN SUPPLY OF BANKS Funding resources The liabilities of banks operating in Estonia mainly consist of non-financial sector deposits, which totalled almost 11 billion euros as at
More informationThe long term policy view: Shifting Wealth, Income Inequalities and Demography - The Ageing Report
The long term policy view: Shifting Wealth, Income Inequalities and Demography - The Ageing Report Per Eckefeldt European Commission Directorate General for Economic and Financial Affairs XXV Villa Mondragone
More informationDigital Inclusion and Skills. Digital Agenda Scoreboard 2014
Digital Inclusion and Skills Digital Agenda Scoreboard 2014 1 72% of EU population uses the internet weekly and 57% of disadvantaged do so. Most of EU population (62%) uses the internet every day. The
More information2. The European insurance sector 1
2. The European insurance sector 1 As discussed in Chapter 1, the economic conditions in European countries are still fragile, despite some improvements in the first half of 2013. 2.1. Market growth The
More informationThe coverage rate of social benefits. Research note 9/2013
Research note 9/2013 SOCIAL SITUATION OBSERVATORY INCOME DISTRIBUTION AND LIVING CONDITIONS APPLICA (BE), EUROPEAN CENTRE FOR THE EUROPEAN CENTRE FOR SOCIAL WELFARE POLICY AND RESEARCH (AT), ISER UNIVERSITY
More informationEUROPEAN SEMESTER THEMATIC FICHE ACCESS TO FINANCE
EUROPEAN SEMESTER THEMATIC FICHE ACCESS TO FINANCE Access to finance is key to business development. Investment and innovation are not possible without adequate financing. A difficulty in getting finance
More informationThe Debt Challenge in Europe. Alan Ahearne and Guntram Wolff October 2011
The Debt Challenge in Europe Alan Ahearne and Guntram Wolff October 2011 Outline The challenge: debt overhang and price adjustment. Large increase in private debt prior to the crisis. Balance-sheet adjustments
More informationThe ICT workforce and e-leadership demand and supply (2014-2020)
The ICT workforce and e-leadership demand and supply (2014-2020) Tobias Hüsing, Senior Research Consultant, empirica GmbH Marianne Kolding, Vice President IDC European e-skills 2014 Conference e-leadership
More informationPersonal debt ON LABOUR AND INCOME
ON LABOUR AND INCOME Personal debt Although the economy and population are almost times the size of s, the two countries show several similarities. Both have relatively high per-capita income and living
More informationThe Eurosystem Household Finance and Consumption Survey. Statistical Tables APRIL 2013
The Eurosystem Household Finance and Consumption Survey Statistical Tables APRIL This set of tables has been prepared by the members of the Eurosystem Household Finance and Consumption Network. You can
More informationSMALL AND MEDIUM-SIZED ENTERPRISES' ACCESS TO FINANCE
EUROPEAN SEMESTER THEMATIC FICHE SMALL AND MEDIUM-SIZED ENTERPRISES' ACCESS TO FINANCE Thematic fiches are supporting background documents prepared by the services of the Commission in the context of the
More information1a. Total Leaseurope Leasing Market 2011
Annual Survey 2011 1a. Total Leaseurope Leasing Market 2011 New Production (Mio ) Outstandings (Mio ) 2011 2010 not adjusted 1 adjusted 2 2011 2010 not adjusted 1 adjusted 2 AT Verband Österreichischer
More informationMM, EFES EN. Marc Mathieu
MM, EFES EN Marc Mathieu La Tribune Hewitt EUROPEAN EMPLOYEE OWNERSHIP ACROSS THE CRISIS Numbers 2006/2007/2008/2009 2009 2008 2007 2006 Employee owners 9.3 million 9.0 million 8.4 million Employees' share
More informationInsights into the European Leasing Market. Jean-Marc Mignerey Leaseurope Board Member
Insights into the European Leasing Market Jean-Marc Mignerey Leaseurope Board Member Cannes 2012 Global Leasing Markets in 2011 Canada 16% CFLA 27 bil US 11% Leaseurope 232 bil Japan JLA 41 bil 13% ELFA
More informationTamás Balás: Households: indebtedness and debt service ratio*
Tamás Balás: Households: indebtedness and debt service ratio* Before the crisis, the over-indebtedness of households represented an ever growing risk. Over the past years, mostly due to a decline in credit
More informationegovernment Digital Agenda Scoreboard 2014
egovernment Digital Agenda Scoreboard 2014 1 egovernment use in EU28 has been flat In 2013 egovernment services have been used by 41% of the EU28 population, down from 44% in 2012 and almost at the same
More informationDOCTORAL (Ph.D) THESIS
DOCTORAL (Ph.D) THESIS UNIVERSITY OF KAPOSVÁR FACULTY OF ECONOMIC SCIENCE Department of Finance and Economics Head of Doctors School: DR. GÁBOR UDOVECZ Doctor of the Hungarian Academy of Sciences Supervisor:
More information72/2015-21 April 2015
72/2015-21 April 2015 Provision of deficit and debt data for 2014 - first notification Euro area and EU28 government deficit at 2.4% and 2.9% of GDP respectively Government debt at 91.9% and 86.8% In 2014,
More informationThe energy industry and energy price issues in Slovakia during recent years 1
The energy industry and energy price issues in Slovakia during recent years 1 Ing. Mikulá Cár, PhD. National Bank of Slovakia The energy industry and energy prices are becoming a subject of political decisions
More information1a. Total Leaseurope Leasing Market 2012
Annual Survey 2012 1a. Total Leaseurope Leasing Market 2012 New Production (Mio ) Outstandings (Mio ) 2012 2011 not adjusted 1 adjusted 2 2012 2011 not adjusted 1 adjusted 2 AT Verband Österreichischer
More informationFrankfurt, June 5th 2009. Goldman Sachs European Financials Conference Mr. Roberto Higuera, CEO
Frankfurt, June 5th 2009 Goldman Sachs European Financials Conference Mr. Roberto Higuera, CEO Disclaimer This presentation has been prepared by Banco Popular solely for purposes of information. It may
More informationCO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015
CO2 BASED MOTOR VEHICLE TAXES IN THE EU IN 2015 COUNTRY AT (AUSTRIA) BE (BELGIUM) BG (BULGARIA) CO2/FUEL CONSUMPTION TAXES A fuel consumption tax (Normverbrauchsabgabe or NoVA) is levied upon the first
More informationPublic Debt and Contingent Liabilities: A Cross-Country Comparison
Public Debt and Contingent Liabilities: A Cross-Country Comparison Melchior Vella and Gevit Duca * 1. Contingent Liabilities 1.1 What are contingent liabilities? Contingent liabilities are obligations
More informationTHE ANALYSIS OF PRIVATE HEALTH INSURANCE PENETRATION DEGREE AND DENSITY IN EUROPE
THE ANALYSIS OF PRIVATE HEALTH INSURANCE PENETRATION DEGREE AND DENSITY IN EUROPE Gheorghe Matei, Professor Ph.D University of Craiova Faculty of Economics and Business Administration Craiova, Romania
More informationTLTRO and Financial Intermediaries
TLTRO and Financial Intermediaries Contents Introduction... 2 The new ECB Targeted Long-Term Refinancing Operations... 2 Leasing, factoring and consumer credit under the TLTRO scheme... 3 1. Eligibility
More informationPoverty and Social Exclusion in Central, Eastern and South-Eastern European Member States. Michael Knogler
Department of Economics Policy Issues No. May 1 Institut für Ost- und Südosteuropaforschung Landshuter Straße, D-937 Regensburg Telefon: ++9 (9 1) 93 5-1 E-Mail: info@ios-regensburg.de Internet: www.ios-regensburg.de
More informationBroadband Coverage in Europe Final Report 2009 Survey Data as of 31 December 2008. DG INFSO 80106 December 2009 IDATE 1
Broadband Coverage in Europe Final Report 2009 Survey Data as of 31 December 2008 DG INFSO 80106 December 2009 IDATE 1 Table of contents 1. Methodological notes...5 2. Executive summary...7 3. European
More informationThe Legal Protection Insurance Market in Europe. October 2013
The Legal Protection Insurance Market in Europe October 2013 The Legal Protection Insurance Market in Europe October 2013 In its latest publication RIAD, the International Association of Legal Protection
More informationRecent Developments in Interest Rates on Bank Lending
Recent Developments in Interest Rates on Bank Lending Introduction Graph 1 Variable Interest Rates In implementing monetary policy, the Bank uses changes in the overnight interest rate on money market
More informationGDP per capita, consumption per capita and comparative price levels in Europe
Economy and finance Author: Lars SVENNEBYE Statistics in focus 2008 GDP per capita, consumption per capita and comparative price levels in Europe Final results for 2005 and preliminary results for 2006
More informationHousehold Finance and Consumption Survey
An Phríomh-Oifig Staidrimh Central Statistics Office Household Finance and Consumption Survey 2013 Published by the Stationery Office, Dublin, Ireland. Available from: Central Statistics Office, Information
More informationHousing Statistics in the European Union 2010
Housing Statistics in the European Union 2010 2 Housing Statistics in the European Union The Hague: Ministry of the Interior and Kingdom Relations Edited by Kees Dol and Marietta Haffner OTB Research Institute
More informationMeasuring Quality of life in the European Union
Measuring Quality of life in Georgiana Ivan, European Commission European context of measuring Quality of Life Indicators Consistency with theory SSF Report The Triangle for Quality of Indicators Europe
More informationEffects of a White Certificate trading scheme on the energy system of the EU-27
Effects of a White Certificate trading scheme on the energy system of the EU-27 Ralf Kuder Institute of Energy Economics and the Rational Use of Energy University of Stuttgart 08.09.2009, Vienna Overview
More informationLeaseurope Biannual Survey 2014 Table of Contents
Leaseurope Biannual Survey 2014 Table of Contents 1. Total European leasing market - first semester 2014 2. Total European leasing market - first semester 2014/ first semester 2013 3. Leasing volumes for
More informationSME Instrument statistics
SME Instrument statistics 0 beneficiaries Phase (June Sep 0), Phase (Oct 0) status January 0 SME Instrument (Horizon 00) DCC MANAGEMENT 0 SME Instrument Phase (Jun 0) beneficiaries Country breakdown Out
More informationKNOWLEDGE ECONOMY CHALLENGES FOR LIFEONG LEARNING
KNOWLEDGE ECONOMY CHALLENGES FOR LIFEONG LEARNING Anna Kaderabkova, Centre for Economic Studies, Prague www.cesvsem.cz 10. 11. 2006, Prague 1 Structure: 1. Innovation-driven demand for skills in enterprises
More informationStatistics Netherlands. Macroeconomic Imbalances Factsheet
Macroeconomic Imbalances Factsheet Introduction Since the outbreak of the credit crunch crisis in 2008, and the subsequent European debt crisis, it has become clear that there are large macroeconomic imbalances
More informationthe EU framework programme for research and innovation
the EU framework programme for research and innovation The Multiannual Financial Framework 2014-2020: Commission s proposals of 29 June 2011 1. Smart & inclusive growth ( 491bn) Education, Youth, Sport
More informationYour first EURES job. Progress Summary 2014Q4. March 2015
Progress Summary 04Q4 March 05 This summary presents an overview of the implementation of Your first Eures job since the start date of activities in June 0 until the end of 04. It highlights in particular
More informationCHART OF THE WEEK WEEK ON THE MARKETS HIGHLIGHTS OF THE WEEK 35/2014. Resources productivity (PPS/kg, 2012) English translation by an external party
English translation by an external party HIGHLIGHTS OF THE WEEK 35/2014 > Chart of the Week: Resource productivity in Slovakia just below EU average > YoY decline in producer prices moderates in July once
More informationSEB s Swedish Residential Mortgage Lending and Covered Bonds. Stockholm September, 2013
SEB s Swedish Residential Mortgage Lending and Covered Bonds Stockholm September, 2013 Contents SEB s Residential Mortgage Lending p.3 Asset Quality p.19 Cover Pool and Covered Bond Funding p.24 2 SEB
More informationSmall Business Lending *
Reserve Small Business Bank of Lending Australia Bulletin Small Business Lending * These notes were prepared in response to a request from the House of Representatives Standing Committee on Financial Institutions
More informationA Heavenly Match - The Danish mortgage model in an international perspective. Jesper Berg Managing director, Nykredit Bank Iceland, July 1, 2014
A Heavenly Match - The Danish mortgage model in an international perspective Jesper Berg Managing director, Nykredit Bank Iceland, July 1, 2014 Game Plan The Danish Mortgage model 1...makes sense in a
More informationProvisions re Professional Services in Cariforum-EC EPA
Provisions re Professional Services in Cariforum-EC EPA Ramesh Chaitoo Head, Services Trade Unit CRNM - www.crnm.org rchaitoo@crnm.org rnmsts@yahoo.ca Structure of Title II - Investment, Trade in Services
More informationCREDIT UNION TRENDS REPORT
CREDIT UNION TRENDS REPORT CUNA Mutual Group Economics June 2 (April 2 data) Highlights During April, credit unions picked up 3, new memberships, credit union loan balances grew at an annualized 1.7% pace,
More informationDigital Agenda Targets Progress report. Digital Agenda Scoreboard 2014
Digital Agenda Targets Progress report Digital Agenda Scoreboard 2014 1 NGA coverage: Fast broadband technologies capable of providing at least 30 Mbps are available to 64%, up from 54% a year ago Among
More informationGeneral guidelines for the completion of the bank lending survey questionnaire
General guidelines for the completion of the bank lending survey questionnaire This document includes the general guidelines for the completion of the questionnaire and the terminology used in the survey.
More informationStudy on comparison tools and third-party verification schemes
Justice and Consumers Study on comparison tools and third-party verification schemes ECCG 25/03/2015 Julien Brugerolle JUST E6 Introduction Study objectives Explore consumer behavioural patterns in the
More informationThe attractions of Spain as an insurance market
The attractions of Spain as an insurance market Domingo Sugranyes, Executive Vice Chairman and CEO Goldman Sachs European Financials Conference Navigating the Sea of Change Puerto Banus, Spain, 8 June
More informationFinnish foreign trade 2014 Figures and diagrams. 27.2.2015 FINNISH CUSTOMS Statistics 1
Finnish foreign trade 214 Figures and diagrams 27.2.215 FINNISH CUSTOMS Statistics 1 IMPORTS, EXPORTS AND TRADE BALANCE 199-214 7 billion e 6 5 4 3 2 1-1 9 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9
More informationSURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION. The current minimum training requirements for general care nurses
SURVEY ON THE TRAINING OF GENERAL CARE NURSES IN THE EUROPEAN UNION This survey serves as a background document for the discussion of the Commission's legislative proposal to modernize the minimum requirements
More informationList of legislative acts
List of legislative acts BRRd : d irective 2014/59/EU of the European Parliament and of the Council of 15 May 2014 establishing a framework for the recovery and resolution of credit institutions and investment
More informationHousehold Energy Price Index for Europe. June 26th, 2015. June Prices Just Released
Household Energy Price Index for Europe June 26th, 2015 June Prices Just Released The most up-to-date picture of European household electricity and gas prices: VaasaETT and two leading European energy
More informationOnline job search in the EU: The potential of web 2.0
Online job search in the EU: The potential of web 2.0 Professor Helen Margetts and Dr Rebecca Eynon Oxford Internet Institute (OII) http://www.egovbarriers.org Overview Current status of online job search
More informationLending 101 The Basics
Lending 101 The Basics Overview Loan categories Credit types Different loan types Interest rate Applying for a loan Credit & credit reports Simple loan tips Test Loan Categories Secured loan - a loan that
More informationMain Indicators for the Finnish Economy
BANK OF FINLAND Monetary Policy and Research - Financial Markets and Statistics Main Indicators for the Finnish Economy 1/11 January 1 January 11 Monetary Policy and Research - Financial Markets and Statistics
More informationNETWORK INDUSTRIES TRANSPORT
NETWORK INDUSTRIES TRANSPORT The transport sector represents a key area for growth and competitiveness, not only due to its size but also to its particular function in servicing the other sectors of the
More informationMain Indicators for the Finnish Economy
BANK OF FINLAND Monetary Policy and Research - Financial Markets and Statistics Main Indicators for the Finnish Economy 3/11 17 March 11 Main Indicators for the Finnish Economy is produced jointly by the
More informationThe EU Energy Tax Directive: overview about the proposed reform, impacts on national measures and state of play
Environmentally Related Taxes and Fiscal Reform Rome, Thursday, 15 December 2011 The EU Energy Tax Directive: overview about the proposed reform, impacts on national measures and state of play A short
More information2014 Report on Cross Border IORP Market Developments
2014 Report on Cross Border IORP Market Developments This is the eighth report in a series on Market Developments 1 with regard to crossborder activities, following the implementation by Member States
More information1a. Total Leaseurope Leasing Market 2013
Annual Survey 2013 1a. Total Leaseurope Leasing Market 2013 New Production (Mio ) Outstandings (Mio ) New Production (Mio ) % change Outstandings (Mio ) % change 2013 2012 not adjusted 1 adjusted 2 2013
More informationEuropean Central Bank Secretariat Division Kaiserstrasse 29 D-60311 Frankfurt am Main Germany
European Central Bank Secretariat Division Kaiserstrasse 29 D-60311 Frankfurt am Main Germany Milan, April 30 th 2008 Second consultation on CCBM2 ATIC FOREX, The Financial Markets Association of Italy,
More informationCHART OF THE WEEK WEEK ON THE MARKETS HIGHLIGHTS OF THE WEEK 18/2013. English translation by an external party
RO LV HU SK HR BG IE EE CZ GR SE PL NL ES FR BE DE SI AT CY FI LT MT IT LU PL LT RO GR CY SK FI HR CZ HU EE LV IE MT SI NL ES LU BE IT AT SE DE FR > Chart of the Week: In terms of number of passenger cars
More informationMain Indicators for the Finnish Economy
BANK OF FINLAND Monetary Policy and Research - Financial Markets and Statistics Main Indicators for the Finnish Economy /1 13 April 1 13 April 1 Monetary Policy and Research - Financial Markets and Statistics
More informationEuropean integration : prospects for the mortgage lending industry
European integration : prospects for the mortgage lending industry Judith Hardt Secretary General European Mortgage Federation 1 A. DIVERSITY OF PROPERTY AND MORTGAGE MARKETS European property and mortgage
More informationCHART OF THE WEEK WEEK ON THE MARKETS HIGHLIGHTS OF THE WEEK 48/2013. English translation by an external party
NL LV MT SK UK* BG HU EE LT PT DK FR DE PL ES AT SI RO FI SE BE CZ CY IT* HR 1.07 5.07 9.07 1.08 5.08 9.08 1.09 5.09 9.09 1.10 5.10 9.10 1.11 5.11 9.11 1.12 5.12 9.12 1.13 5.13 9.13 RO SK PL* HU CZ* LT
More informationKhalil ROUHANA Director. Directorate-General for Information Society European Commission khalil.rouhana@ec.europa.eu
Khalil ROUHANA Director Directorate-General for Information Society European Commission khalil.rouhana@ec.europa.eu What is the Digital Agenda? Every European Digital N. Kroes Importance of Information
More informationERGP (12) 33 ERGP report on data collection ERGP REPORT WITH DATA ON INDICATORS ON THE POSTAL MARKET
ERGP REPORT WITH DATA ON INDICATORS ON THE POSTAL MARKET April 2013 Contents List of Tables... 3 List of Figures... 3 Country codes... 5 Executive Summary... 6 Part 1 Background and objectives... 8 Part
More informationThe case for a European Social Union. From muddling through to a sense of common purpose. Frank Vandenbroucke EIB Institute Luxembourg, 5 March 2015
The case for a European Social Union. From muddling through to a sense of common purpose. Frank Vandenbroucke EIB Institute Luxembourg, 5 March 2015 A European Social Union A Social Union would support
More informationMagda Salarich Head of Santander Consumer Finance
Magda Salarich Head of Santander Consumer Finance Santander Consumer Finance S.A. ( Santander Consumer Finance ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking
More informationKaty Taylor, European Coalition to End Animal Experiments (ECEAE), London, UK
COMMENT EU member state contribution to alternative methods 1 Katy Taylor, European Coalition to End Animal Experiments (ECEAE), London, UK Summary Article 47 of the new EU Directive 2010/63/EU on the
More informationREVIEW OF THE STUDY OF THE COSTS OF PAYMENT SERVICES
REVIEW OF THE STUDY OF THE COSTS OF PAYMENT SERVICES Abbreviations GDP ECB ESCB MIF Gross Domestic Product European Central Bank European System of Central Banks Multilateral Interchange Fee Totals / percentages
More information1a. Total Leaseurope Leasing Market 2014
Annual Survey 2014 1a. Total Leaseurope Leasing Market 2014 2014 2013 not adjusted 1 adjusted 2 2014 2013 not adjusted 1 adjusted 2 AT Verband Österreichischer Leasing-Gesellschaften - VÖL 5,522.83 5,804.09-4.85%
More informationEnergy efficiency and consumption. Ongoing development work shared by Eurostat and the Member States
Energy efficiency and consumption Ongoing development work shared by Eurostat and the Member States 4th Energy Community Statistical Workshop 24/2/2011 Energy efficiency and consumption Ongoing development
More informationLevel crossing signs from the view of road users in Europe. Tamás Déri Hungarian NSA
Level crossing signs from the view of road users in Europe. Tamás Déri Hungarian NSA Due to the different approach on level crossing regulation in the European Union, we made a survey within the European
More informationVolume Trends in EU Postal Markets
Volume Trends in EU Postal Markets Antonia Niederprüm 14th Königswinter Seminar, 25-27 November 2013 Postal Regulation and Volumes under Pressure Königswinter, 26 November 2013 0 Agenda 1. Today: Differences
More informationMarket data for Europe-wide location and sales planning
Market data for Europe-wide location and sales planning MRS: European Geodemographics Conference, April 1, 2009 Simone Baecker-Neuchl: GfK GeoMarketing GmbH Nuremberg, Germany. Agenda 1 Market data for
More informationFuture of European Consumer Finance A joint Eurofinas Roland Berger Survey
Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Highlights of 1st Edition Cascais 15 October 2015 118 companies participated to the first Eurofinas - Roland Berger Survey - representing
More informationGreek banks and corporate funding costs
NATIONAL BANK OF GREECE Greek banks and corporate funding costs January 214 Paul Mylonas CRO & Chief Economist National Bank of Greece NBG: ECONOMIC ANALYSIS DEPARTMENT Economic Analysis Department Roadmap
More informationMinimum Wage Protection Current German and European Debates
Årskonferanse i Fafo Østforum Fire år etter EU-utvidelsen: Status og framtidsperspektiver Oslo, 3 June 2008 Minimum Wage Protection Current German and European Debates Thorsten Schulten Wirtschafts- und
More informationWelcome to VOLKSWAGEN SLOVAKIA, a.s.
Welcome to VOLKSWAGEN SLOVAKIA, a.s. Data and Facts/ Slovakia Data and Facts/ VW SK Management System VW SK Thomas Schmall, Chairman of the Board of Volkswagen Slovakia, a.s. Slovak republic (SR) COMPARISON:
More informationENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores
More informationFunding of debt-advice across the EU
Funding of debt-advice across the EU European Consumer Summit European Commission, Brussels, 1-2 June 2015 Presentation for workshop on Over-indebtedness the role of debt advice Hans Dubois, Eurofound
More informationBroadband Coverage in Europe Final Report 2011 Survey Data as of 31 December 2010. DG INFSO 80106 C December 2011 IDATE 1
Broadband Coverage in Europe Final Report 2011 Survey Data as of 31 December 2010 DG INFSO 80106 C December 2011 IDATE 1 Table of contents 1. Methodological notes...6 2. Executive summary...8 3. European
More information