表紙
市場調查報告書

信用卡資料輯 (2019年):鈍化的市場主要指標

The 2019 Credit Card Data Book: Key Indicators of a Slowing Market

出版商 Mercator Advisory Group, Inc. 商品編碼 783069
出版日期 內容資訊 英文 24 Pages and 16 Exhibits
商品交期: 最快1-2個工作天內
價格
信用卡資料輯 (2019年):鈍化的市場主要指標 The 2019 Credit Card Data Book: Key Indicators of a Slowing Market
出版日期: 2019年01月30日內容資訊: 英文 24 Pages and 16 Exhibits
簡介

美國的信用卡的ROA,預計從2014年的4.94%,到2020年降低到2.4%。

本報告提供美國的信用卡市場趨勢調查,信用卡組合,戶頭數,循環信用債務,家計負債,拖欠結構和拖欠金額,今後10年的信用風險及收益的預測等資料彙整。

調查亮點

  • 循環信用債務:∼2022年
  • 美國的家計負債:∼2021年
  • 美國的信用卡戶頭數的成長:∼2022年
  • 新、初期、後期拖欠金額:∼2020年
  • 最優待貸款利率、新戶頭數、可處理家庭預算:∼2020年

刊載企業

  • Bank of America
  • Chase
  • Citi
  • FICO
目錄

The 2019 Credit Card Data Book: Key Indicators of a Slowing Market , the latest edition of Mercator Advisory Group's annual compilation of 12 essential credit card metrics has been released. The report, which provides a view of credit card portfolio volumes, household debt, and open accounts, projects credit risk and revenue results into the next decade.

Readers will get a deeper understanding of credit risk in this year's report along with a detailed explanation of how the credit card delinquency process works. Early and late delinquencies have a direct impact on credit card profitability, which is expressed through the return on assets (ROA) metric. In the United States, credit card ROA has been steadily falling from the 4.94% achieved in 2014. In this report, Mercator projects 2.4% ROA for 2020.

"As 2019 begins, card issuers need to be planning for 2020 and should expect slower growth, slimmer profits, and tighter lending," commented Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group , the author of the research report. "Pay attention to how top issuers are keeping their portfolios in check, as issuers outside of the top 100 are seeing severe risk. In 2018, top issuers experienced credit losses of 3.81% of their receivables while those outside of the top 100 saw their rates surge to 7.92%. If this persists, some market consolidation is likely," Riley continued.

This research report contains 24 pages and 16 exhibits.

Companies mentioned in this research report include : Bank of America, Chase, Citi, and FICO.

One of the exhibits included in this report:

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Highlights of the research report include:

  • Revolving debt forecasted through 2022
  • Projected U.S. household debt through 2021
  • Anticipated U.S. credit card account growth through 2022
  • New, early, and late delinquency volumes through 2020
  • Prime lending rates, new accounts, and disposable household budgets through 2020