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Corona Related Consumer Reluctance
Europe’s banks are tough. The current low credit number and
Mortgage applications could become one in 2020, according to a study by Kearney
Bank earnings decrease an average of 20 percent. Should
the virus could not be contained, the profits of the money houses
reduce by 35 to 40 percent. Every eighth bank expected this year
Write losses.
Austrian banks remain the ones released on Tuesday.
According to the analysis, he did not skimp. “In Austria there is a risk
that profit per customer averaged just over 200
Euros in the last three years at less than 100 euros per customer
it is sinking, “said management consultant Kearney.”
The cost / income ratio could reach historical maximums of
jump over 70 percent. “
In the 92 Europeans examined by Kearney
Retail banks likely to see customer earnings increase 60 percent this year
buckling
The attitude of waiting and seeing when taking out a bank loan confirms
Also a poll released by the first on Tuesday
Consequently, in the first quarter of 2020, the number of those
plans to make a larger purchase, at 10 compared to the same quarter last year
The percentage points fell to 31 percent. 14 percent of them want
(+3 percentage points) your project through bank loan or mortgage loan
finance, and they want a significantly larger sum for it
registry. The planned loan amount increased by 57 each year
Percentage at an average of 93,800 euros. In
Home financing is currently “big” for Erste
Interest but Caution “, as Peter Bosek, CEO of Erste Bank
announced In any case, the head of the bank advises a fixed interest rate
The repayment rate remains predictable.
When it comes to saving, the classics are the savings book, the building of society savers and
Provision for pensions in favor of 1,000 compared to the previous year
Respondents were left behind, as were gold and real estate. Only 58
Percentage (-4 percentage points) expected in the next 12 months
Put money in a passbook, 41 percent (-9 percentage points)
wants to save on construction and 27 percent are planning to provide pensions (-5
Percentage points). Only 14 percent depend on gold (-8
Percentage points), in real estate investment of 13 percent (-3
Percentage points). Overall, however, 81 percent (-2
Percentage points) before investing money in the next 12 months,
on average they want 4,400 euros (+200 euros) on the top edge
Lay The crown-related stock market sees more than a third of the
Respondents as a good investment opportunity.
With domestic investors, however, we are green and social.
Sustainable financial products became more popular in the past year as well
National Bank (OeNB) announced. In general, the proportion of investments
Ecolabel of course still low. “The national stock
Investment certificates with the Austrian eco-label for
sustainable financial products (UZ 49) of the Federal Ministry for
Climate protection: currently seven percent of total volume
of all the lies of national mutual funds: it is opposite in 2019
it grew two-thirds last year, “the central bank said.
(Conclusion) snu / gw
APA
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