TABLE OF CONTENTS
EXECUTIVE SUMMARY 2
Market value 2
Market value forecast 2
Category segmentation 2
Geography segmentation 2
Introduction 15
What is this report about? 15
Who is the target reader? 15
How to use this report 15
Definitions 15
Global Retail Lending 16
Market Overview 16
Market Data 17
Market Segmentation 18
Market outlook 20
Five forces analysis 21
Retail Lending in Asia-Pacific 27
Market Overview 27
Market Data 28
Market Segmentation 29
Market outlook 31
Five forces analysis 32
Retail Lending in Europe 38
Market Overview 38
Market Data 39
Market Segmentation 40
Market outlook 42
Five forces analysis 43
Retail Lending in France 49
Market Overview 49
Market Data 50
Market Segmentation 51
Market outlook 53
Five forces analysis 54
Macroeconomic indicators 60
Retail Lending in Germany 62
Market Overview 62
Market Data 63
Market Segmentation 64
Market outlook 66
Five forces analysis 67
Macroeconomic indicators 73
Retail Lending in Japan 75
Market Overview 75
Market Data 76
Market Segmentation 77
Market outlook 79
Five forces analysis 80
Macroeconomic indicators 86
Retail Lending in The United Kingdom 88
Market Overview 88
Market Data 89
Market Segmentation 90
Market outlook 92
Five forces analysis 93
Macroeconomic indicators 99
Retail Lending in The United States 101
Market Overview 101
Market Data 102
Market Segmentation 103
Market outlook 105
Five forces analysis 106
Macroeconomic indicators 112
Company Profiles 114
Leading companies 114
Appendix 181
Methodology 181

LIST OF TABLES
Table 1: Global retail lending market value: $ billion, 2007–11 17
Table 2: Global retail lending market category segmentation: $ billion, 2011 18
Table 3: Global retail lending market geography segmentation: $ billion, 2011 19
Table 4: Global retail lending market value forecast: $ billion, 2011–16 20
Table 5: Asia-Pacific retail lending market value: $ billion, 2007–11 28
Table 6: Asia–Pacific retail lending market category segmentation: $ billion, 2011 29
Table 7: Asia–Pacific retail lending market geography segmentation: $ billion, 2011 30
Table 8: Asia-Pacific retail lending market value forecast: $ billion, 2011–16 31
Table 9: Europe retail lending market value: $ billion, 2007–11 39
Table 10: Europe retail lending market category segmentation: $ billion, 2011 40
Table 11: Europe retail lending market geography segmentation: $ billion, 2011 41
Table 12: Europe retail lending market value forecast: $ billion, 2011–16 42
Table 13: France retail lending market value: $ billion, 2007–11 50
Table 14: France retail lending market category segmentation: $ billion, 2011 51
Table 15: France retail lending market geography segmentation: $ billion, 2011 52
Table 16: France retail lending market value forecast: $ billion, 2011–16 53
Table 17: France size of population (million), 2007–11 60
Table 18: France gdp (constant 2000 prices, $ billion), 2007–11 60
Table 19: France gdp (current prices, $ billion), 2007–11 60
Table 20: France inflation, 2007–11 61
Table 21: France consumer price index (absolute), 2007–11 61
Table 22: France exchange rate, 2007–11 61
Table 23: Germany retail lending market value: $ billion, 2007–11 63
Table 24: Germany retail lending market category segmentation: $ billion, 2011 64
Table 25: Germany retail lending market geography segmentation: $ billion, 2011 65
Table 26: Germany retail lending market value forecast: $ billion, 2011–16 66
Table 27: Germany size of population (million), 2007–11 73
Table 28: Germany gdp (constant 2000 prices, $ billion), 2007–11 73
Table 29: Germany gdp (current prices, $ billion), 2007–11 73
Table 30: Germany inflation, 2007–11 74
Table 31: Germany consumer price index (absolute), 2007–11 74
Table 32: Germany exchange rate, 2007–11 74
Table 33: Japan retail lending market value: $ billion, 2007–11 76
Table 34: Japan retail lending market category segmentation: $ billion, 2011 77
Table 35: Japan retail lending market geography segmentation: $ billion, 2011 78
Table 36: Japan retail lending market value forecast: $ billion, 2011–16 79
Table 37: Japan size of population (million), 2007–11 86
Table 38: Japan gdp (constant 2000 prices, $ billion), 2007–11 86
Table 39: Japan gdp (current prices, $ billion), 2007–11 86
Table 40: Japan inflation, 2007–11 87
Table 41: Japan consumer price index (absolute), 2007–11 87
Table 42: Japan exchange rate, 2007–11 87
Table 43: United Kingdom retail lending market value: $ billion, 2007–11 89
Table 44: United Kingdom retail lending market category segmentation: $ billion, 2011 90
Table 45: United Kingdom retail lending market geography segmentation: $ billion, 2011 91
Table 46: United Kingdom retail lending market value forecast: $ billion, 2011–16 92
Table 47: United Kingdom size of population (million), 2007–11 99
Table 48: United Kingdom gdp (constant 2000 prices, $ billion), 2007–11 99
Table 49: United Kingdom gdp (current prices, $ billion), 2007–11 99
Table 50: United Kingdom inflation, 2007–11 100
Table 51: United Kingdom consumer price index (absolute), 2007–11 100
Table 52: United Kingdom exchange rate, 2007–11 100
Table 53: United States retail lending market value: $ billion, 2007–11 102
Table 54: United States retail lending market category segmentation: $ billion, 2011 103
Table 55: United States retail lending market geography segmentation: $ billion, 2011 104
Table 56: United States retail lending market value forecast: $ billion, 2011–16 105
Table 57: United States size of population (million), 2007–11 112
Table 58: United States gdp (constant 2000 prices, $ billion), 2007–11 112
Table 59: United States gdp (current prices, $ billion), 2007–11 112
Table 60: United States inflation, 2007–11 113
Table 61: United States consumer price index (absolute), 2007–11 113
Table 62: United States exchange rate, 2007–11 113
Table 63: Bank of America Corporation: key facts 114
Table 64: Bank of America Corporation: key financials ($) 115
Table 65: Bank of America Corporation: key financial ratios 116
Table 66: Citigroup Inc.: key facts 118
Table 67: Citigroup Inc.: key financials ($) 119
Table 68: Citigroup Inc.: key financial ratios 119
Table 69: Deutsche Bank AG: key facts 121
Table 70: Deutsche Bank AG: key financials ($) 122
Table 71: Deutsche Bank AG: key financials (€) 123
Table 72: Deutsche Bank AG: key financial ratios 123
Table 73: Mitsubishi UFJ Financial Group, Inc.: key facts 125
Table 74: Mitsubishi UFJ Financial Group, Inc.: key financials ($) 126
Table 75: Mitsubishi UFJ Financial Group, Inc.: key financials (Y) 127
Table 76: Mitsubishi UFJ Financial Group, Inc.: key financial ratios 127
Table 77: Mizuho Financial Group: key facts 129
Table 78: Mizuho Financial Group: key financials ($) 130
Table 79: Mizuho Financial Group: key financials (Y) 130
Table 80: Mizuho Financial Group: key financial ratios 131
Table 81: Bank of China Limited: key facts 133
Table 82: Bank of China Limited: key financials ($) 134
Table 83: Bank of China Limited: key financials (CNY) 134
Table 84: Bank of China Limited: key financial ratios 134
Table 85: Lloyds Banking Group plc: key facts 136
Table 86: Lloyds Banking Group plc: key financials ($) 137
Table 87: Lloyds Banking Group plc: key financials (L) 137
Table 88: Lloyds Banking Group plc: key financial ratios 137
Table 89: Crédit Agricole Group: key facts 139
Table 90: Crédit Agricole Group: key financials ($) 141
Table 91: Crédit Agricole Group: key financials (€) 141
Table 92: Crédit Agricole Group: key financial ratios 141
Table 93: Banco Santander, S.A.: key facts 143
Table 94: Banco Santander, S.A.: key financials ($) 144
Table 95: Banco Santander, S.A.: key financials (€) 145
Table 96: Banco Santander, S.A.: key financial ratios 145
Table 97: BNP Paribas Group: key facts 147
Table 98: BNP Paribas Group: key financials ($) 148
Table 99: BNP Paribas Group: key financials (€) 148
Table 100: BNP Paribas Group: key financial ratios 148
Table 101: Caisses d'Epargne: key facts 150
Table 102: Societe Generale: key facts 151
Table 103: Societe Generale: key financials ($) 152
Table 104: Societe Generale: key financials (€) 152
Table 105: Societe Generale: key financial ratios 152
Table 106: Bayerische Landesbank: key facts 154
Table 107: Deutsche Postbank AG: key facts 155
Table 108: Deutsche Postbank AG: key financials ($) 156
Table 109: Deutsche Postbank AG: key financials (€) 156
Table 110: Deutsche Postbank AG: key financial ratios 156
Table 111: DZ BANK AG: key facts 158
Table 112: DZ BANK AG: key financials ($) 159
Table 113: DZ BANK AG: key financials (€) 159
Table 114: DZ BANK AG: key financial ratios 159
Table 115: The Bank of Yokohama, Ltd.: key facts 161
Table 116: The Bank of Yokohama, Ltd.: key financials ($) 162
Table 117: The Bank of Yokohama, Ltd.: key financials (Y) 162
Table 118: The Bank of Yokohama, Ltd.: key financial ratios 162
Table 119: Sumitomo Mitsui Financial Group, Inc.: key facts 164
Table 120: Sumitomo Mitsui Financial Group, Inc.: key financials ($) 165
Table 121: Sumitomo Mitsui Financial Group, Inc.: key financials (Y) 165
Table 122: Sumitomo Mitsui Financial Group, Inc.: key financial ratios 165
Table 123: Barclays PLC: key facts 167
Table 124: Barclays PLC: key financials ($) 168
Table 125: Barclays PLC: key financials (L) 168
Table 126: Barclays PLC: key financial ratios 169
Table 127: HSBC Holdings plc: key facts 171
Table 128: HSBC Holdings plc: key financials ($) 172
Table 129: HSBC Holdings plc: key financial ratios 172
Table 130: JP Morgan Chase & Co: key facts 174
Table 131: JP Morgan Chase & Co: key financials ($) 175
Table 132: JP Morgan Chase & Co: key financial ratios 176
Table 133: Wells Fargo & Company: key facts 178
Table 134: Wells Fargo & Company: key financials ($) 179
Table 135: Wells Fargo & Company: key financial ratios 179

LIST OF FIGURES
Figure 1: Global retail lending market value: $ billion, 2007–11 17
Figure 2: Global retail lending market category segmentation: % share, by value, 2011 18
Figure 3: Global retail lending market geography segmentation: % share, by value, 2011 19
Figure 4: Global retail lending market value forecast: $ billion, 2011–16 20
Figure 5: Forces driving competition in the global retail lending market, 2011 21
Figure 6: Drivers of buyer power in the global retail lending market, 2011 22
Figure 7: Drivers of supplier power in the global retail lending market, 2011 23
Figure 8: Factors influencing the likelihood of new entrants in the global retail lending market, 2011 24
Figure 9: Factors influencing the threat of substitutes in the global retail lending market, 2011 25
Figure 10: Drivers of degree of rivalry in the global retail lending market, 2011 26
Figure 11: Asia-Pacific retail lending market value: $ billion, 2007–11 28
Figure 12: Asia–Pacific retail lending market category segmentation: % share, by value, 2011 29
Figure 13: Asia–Pacific retail lending market geography segmentation: % share, by value, 2011 30
Figure 14: Asia-Pacific retail lending market value forecast: $ billion, 2011–16 31
Figure 15: Forces driving competition in the retail lending market in Asia-Pacific, 2011 32
Figure 16: Drivers of buyer power in the retail lending market in Asia-Pacific, 2011 33
Figure 17: Drivers of supplier power in the retail lending market in Asia-Pacific, 2011 34
Figure 18: Factors influencing the likelihood of new entrants in the retail lending market in Asia-Pacific, 2011 35
Figure 19: Factors influencing the threat of substitutes in the retail lending market in Asia-Pacific, 2011 36
Figure 20: Drivers of degree of rivalry in the retail lending market in Asia-Pacific, 2011 37
Figure 21: Europe retail lending market value: $ billion, 2007–11 39
Figure 22: Europe retail lending market category segmentation: % share, by value, 2011 40
Figure 23: Europe retail lending market geography segmentation: % share, by value, 2011 41
Figure 24: Europe retail lending market value forecast: $ billion, 2011–16 42
Figure 25: Forces driving competition in the retail lending market in Europe, 2011 43
Figure 26: Drivers of buyer power in the retail lending market in Europe, 2011 44
Figure 27: Drivers of supplier power in the retail lending market in Europe, 2011 45
Figure 28: Factors influencing the likelihood of new entrants in the retail lending market in Europe, 2011 46
Figure 29: Factors influencing the threat of substitutes in the retail lending market in Europe, 2011 47
Figure 30: Drivers of degree of rivalry in the retail lending market in Europe, 2011 48
Figure 31: France retail lending market value: $ billion, 2007–11 50
Figure 32: France retail lending market category segmentation: % share, by value, 2011 51
Figure 33: France retail lending market geography segmentation: % share, by value, 2011 52
Figure 34: France retail lending market value forecast: $ billion, 2011–16 53
Figure 35: Forces driving competition in the retail lending market in France, 2011 54
Figure 36: Drivers of buyer power in the retail lending market in France, 2011 55
Figure 37: Drivers of supplier power in the retail lending market in France, 2011 56
Figure 38: Factors influencing the likelihood of new entrants in the retail lending market in France, 2011 57
Figure 39: Factors influencing the threat of substitutes in the retail lending market in France, 2011 58
Figure 40: Drivers of degree of rivalry in the retail lending market in France, 2011 59
Figure 41: Germany retail lending market value: $ billion, 2007–11 63
Figure 42: Germany retail lending market category segmentation: % share, by value, 2011 64
Figure 43: Germany retail lending market geography segmentation: % share, by value, 2011 65
Figure 44: Germany retail lending market value forecast: $ billion, 2011–16 66
Figure 45: Forces driving competition in the retail lending market in Germany, 2011 67
Figure 46: Drivers of buyer power in the retail lending market in Germany, 2011 68
Figure 47: Drivers of supplier power in the retail lending market in Germany, 2011 69
Figure 48: Factors influencing the likelihood of new entrants in the retail lending market in Germany, 2011 70
Figure 49: Factors influencing the threat of substitutes in the retail lending market in Germany, 2011 71
Figure 50: Drivers of degree of rivalry in the retail lending market in Germany, 2011 72
Figure 51: Japan retail lending market value: $ billion, 2007–11 76
Figure 52: Japan retail lending market category segmentation: % share, by value, 2011 77
Figure 53: Japan retail lending market geography segmentation: % share, by value, 2011 78
Figure 54: Japan retail lending market value forecast: $ billion, 2011–16 79
Figure 55: Forces driving competition in the retail lending market in Japan, 2011 80
Figure 56: Drivers of buyer power in the retail lending market in Japan, 2011 81
Figure 57: Drivers of supplier power in the retail lending market in Japan, 2011 82
Figure 58: Factors influencing the likelihood of new entrants in the retail lending market in Japan, 2011 83
Figure 59: Factors influencing the threat of substitutes in the retail lending market in Japan, 2011 84
Figure 60: Drivers of degree of rivalry in the retail lending market in Japan, 2011 85
Figure 61: United Kingdom retail lending market value: $ billion, 2007–11 89
Figure 62: United Kingdom retail lending market category segmentation: % share, by value, 2011 90
Figure 63: United Kingdom retail lending market geography segmentation: % share, by value, 2011 91
Figure 64: United Kingdom retail lending market value forecast: $ billion, 2011–16 92
Figure 65: Forces driving competition in the retail lending market in the United Kingdom, 2011 93
Figure 66: Drivers of buyer power in the retail lending market in the United Kingdom, 2011 94
Figure 67: Drivers of supplier power in the retail lending market in the United Kingdom, 2011 95
Figure 68: Factors influencing the likelihood of new entrants in the retail lending market in the United Kingdom, 2011 96
Figure 69: Factors influencing the threat of substitutes in the retail lending market in the United Kingdom, 2011 97
Figure 70: Drivers of degree of rivalry in the retail lending market in the United Kingdom, 2011 98
Figure 71: United States retail lending market value: $ billion, 2007–11 102
Figure 72: United States retail lending market category segmentation: % share, by value, 2011 103
Figure 73: United States retail lending market geography segmentation: % share, by value, 2011 104
Figure 74: United States retail lending market value forecast: $ billion, 2011–16 105
Figure 75: Forces driving competition in the retail lending market in the United States, 2011 106
Figure 76: Drivers of buyer power in the retail lending market in the United States, 2011 107
Figure 77: Drivers of supplier power in the retail lending market in the United States, 2011 108
Figure 78: Factors influencing the likelihood of new entrants in the retail lending market in the United States, 2011 109
Figure 79: Factors influencing the threat of substitutes in the retail lending market in the United States, 2011 110
Figure 80: Drivers of degree of rivalry in the retail lending market in the United States, 2011 111
Figure 81: Bank of America Corporation: revenues & profitability 116
Figure 82: Bank of America Corporation: assets & liabilities 117
Figure 83: Citigroup Inc.: revenues & profitability 120
Figure 84: Citigroup Inc.: assets & liabilities 120
Figure 85: Deutsche Bank AG: revenues & profitability 123
Figure 86: Deutsche Bank AG: assets & liabilities 124
Figure 87: Mitsubishi UFJ Financial Group, Inc.: revenues & profitability 128
Figure 88: Mitsubishi UFJ Financial Group, Inc.: assets & liabilities 128
Figure 89: Mizuho Financial Group: revenues & profitability 131
Figure 90: Mizuho Financial Group: assets & liabilities 132
Figure 91: Bank of China Limited: revenues & profitability 135
Figure 92: Bank of China Limited: assets & liabilities 135
Figure 93: Lloyds Banking Group plc: revenues & profitability 138
Figure 94: Lloyds Banking Group plc: assets & liabilities 138
Figure 95: Crédit Agricole Group: revenues & profitability 142
Figure 96: Crédit Agricole Group: assets & liabilities 142
Figure 97: Banco Santander, S.A.: revenues & profitability 145
Figure 98: Banco Santander, S.A.: assets & liabilities 146
Figure 99: BNP Paribas Group: revenues & profitability 149
Figure 100: BNP Paribas Group: assets & liabilities 149
Figure 101: Societe Generale: revenues & profitability 153
Figure 102: Societe Generale: assets & liabilities 153
Figure 103: Deutsche Postbank AG: revenues & profitability 157
Figure 104: Deutsche Postbank AG: assets & liabilities 157
Figure 105: DZ BANK AG: revenues & profitability 160
Figure 106: DZ BANK AG: assets & liabilities 160
Figure 107: The Bank of Yokohama, Ltd.: revenues & profitability 163
Figure 108: The Bank of Yokohama, Ltd.: assets & liabilities 163
Figure 109: Sumitomo Mitsui Financial Group, Inc.: revenues & profitability 166
Figure 110: Sumitomo Mitsui Financial Group, Inc.: assets & liabilities 166
Figure 111: Barclays PLC: revenues & profitability 169
Figure 112: Barclays PLC: assets & liabilities 170
Figure 113: HSBC Holdings plc: revenues & profitability 172
Figure 114: HSBC Holdings plc: assets & liabilities 173
Figure 115: JP Morgan Chase & Co: revenues & profitability 176
Figure 116: JP Morgan Chase & Co: assets & liabilities 177
Figure 117: Wells Fargo & Company: revenues & profitability 179
Figure 118: Wells Fargo & Company: assets & liabilities 180