Mortgage loans in Italy

Transcription

1 Brochure More information from Mortgage loans in Italy Description: This report supplies information on the Mortgage loans Italian market and its competitors: market trends, SWOT and key success factors analysis, major companies performance indicators (total turnover, sector specific turnover, market shares and export quotas), business prospects and trends. Scope This report will cover mortgage loans for families and other individuals. - Product technology: As is true for all financial products, the mortgage loan disbursement and payment process is progressively becoming computerised. In Italy, however, mortgage contracts must be physically signed by both parties in the presence of a civil-law notary, so the use of information technology in certain critical phases of the process is limited. - Function: The function of a mortgage loan is generally to finance the purchase or the renovation costs of a home. This report will also cover other similar types of loans such as home equity loans and debt consolidation mortgages. - Client categories: This report will cover only mortgages for families and other individuals, not mortgages for construction companies and other businesses. Segments Mortgage loans for families and other individuals can be categorised as follows: - Mortgage loans to purchase or renovate a home ("conventional" mortgages) - for the purchase of a primary residence - for the purchase of a second home - for home renovation - Debt consolidation mortgages, remortgages and home equity loans ("non-conventional" mortgages) - Debt consolidation mortgage loans: to consolidate debt from various sources into one loan secured through the mortgage of a property. - Remortgages: a mortgage loan taken out to replace an existing one, whether simply to renegotiate the terms or to obtain additional cash. In Italy, this segment also includes replacement mortgages. - Home equity loans: a loan in which the value of a home is pledged as collateral. - Other mortgage loans: this is a residual category comprised of all other mortgage loans disbursed that are not included in any of the aforementioned segments. Most of these are mortgages that are not classified by the lender. This report will cover the lenders in the sector. Distributors such as non-bank financial companies, credit brokers and real estate agents, which act as intermediaries but do not directly issue credit, are excluded from the present research and are analysed in a distinct report. The Italian mortgage loan sector is national in nature due to some particular characteristics of the Italian market, along with the importance of having a widespread distribution network and consolidated relationships with clientele in order to reduce operating risks. Even still, the presence of foreign banks within the sector is significant. Methodology Databank's methodology for Competitors reports begins with a careful screening to identify the main organisations that are representative of a given sector. Several one-to-one interviews are then conducted with the selected organisations. Questionnaires are sent to all the leading companies on an annual basis. The information collected is then verified by an expert in the particular sector using a system of counterchecks to guarantee that the information is entirely reliable and consistent. The process is then completed using Cerved Group's proprietary information about Italian enterprises. All Competitors reports also include details concerning the strategies and performances of the leading companies in each sector. Wherever no specific source is indicated, the information published in these reports can be assumed to have been taken from Cerved Group's proprietary information bank. Coverage of any sector in Competitors products may be used in company presentations or in training courses on the subject. Contents: LIST OF COMPANIES ANALYSED 4

2 1. INTRODUCTION TO METHODOLOGY 5 2. SECTOR DESCRIPTION Scope Segments 6 3. EXECUTIVE SUMMARY Key sector data Supply and demand trends Market leaders Business strategies SECTOR ENVIRONMENT Sector data Competitive forces Notable recent events and developments DEMAND ANALYSIS SUPPLY ANALYSIS Key characteristics Sector financials COMPETITIVE SCENARIO Types of operators Ranking of companies Competitive performances by segment Market share Market Shares by Distribution Channel Market Shares by Product Type STRATEGIES OBSERVED Strategic map of operators Winning strategies OPPORTUNITIES AND THREATS 46 CONNECTED PRODUCTS AND SERVICES 47 CONTACT 48 COPYRIGHT 49 List of Tables and Graphs: LIST OF COMPANIES ANALYSED KEY SECTOR DATA MORTGAGES: AMOUNTS DISBURSED AND TRENDS BY SEGMENT, MORTGAGES: IMPACT OF COMPETITIVE FORCES, 2013 MORTGAGES: AGGREGATE INCOME STATEMENT ITEMS OF BANKS LOCATED IN ITALY, MORTGAGES: CONSUMER LOANS AND RELATED NON-PERFORMING LOANS, MORTGAGES: BANKS' LENDING AND BORROWING RATES AND SPREADS, DECEMBER 2006 TO JUNE 2013 MORTGAGES: AVERAGE EFFECTIVE INTEREST RATES APPLIED, MORTGAGES: AMOUNTS DISBURSED BY LEADING COMPANIES, MORTGAGES: TOTAL INCOME OF MAJOR COMPANIES, MORTGAGES: STOCK OF MORTGAGE LOANS TO HOUSEHOLDS OF SOME MAJOR COMPANIES, MORTGAGES: BREAKDOWN BY SEGMENT OF LOANS DISBURSED, 2011 AND 2012 MORTGAGES: BREAKDOWN OF AMOUNT DISBURSED BY REGION, 2012 MORTGAGES: BREAKDOWN OF AMOUNT DISBURSED BY REGION, 2012 (Continued) MORTGAGES: BREAKDOWN OF AMOUNT DISBURSED BY GEOGRAPHICAL AREA, 2012 MORTGAGES: NUMBER OF TRANSACTIONS AND AVERAGE AMOUNT DISBURSED FOR SOME OPERATORS, 2011 AND 2012 MORTGAGES: LOAN TO PROPERTY VALUE (LTV) RATIOS OF MORTGAGES OF A SAMPLE OF MAJOR COMPANIES, 2011 AND 2012 MORTGAGES: AVERAGE DURATION OF SOME LENDERS' MORTGAGE LOANS, 2011 AND 2012 MORTGAGES: HEADQUARTERS AND OWNERSHIP OF MAJOR COMPANIES, 2013 MORTGAGES: MARKET SHARES BASED ON TOTAL AMOUNT OF CREDIT DISBURSED (FLOWS), MORTGAGES: MARKET SHARES BY DISTRIBUTION CHANNEL, 2012 MORTGAGES: CONVENTIONAL VS. NON-CONVENTIONAL MORTGAGES: LOAN AMOUNTS AND MARKET SHARES, 2012 STRATEGIC MAP OF OPERATORS & DEVELOPMENT STRATEGIES, 2013 MORTGAGES: TABLE FOR STRATEGIC GROUPING, 2012 MORTGAGES: OPPORTUNITIES AND THEIR SHORT/LONG TERM IMPACT, 2013 MORTGAGES: THREATS AND THEIR SHORT/LONG TERM IMPACT, 2013

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