Emerging Opportunities in the Latin America Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

NEW YORK, May 14, 2012 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Emerging Opportunities in the Latin America Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

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Synopsis

The report provides detailed market analysis, information and insights into the Latin American consumer finance market, including:

• Current and forecast values for the Latin American consumer finance market

• Comprehensive, country-specific analysis of the industry's market attractiveness and key trends and drivers supporting the growth of the consumer finance market in Latin American countries

• Detailed analysis of the marketing strategies adopted by banks in Latin American countries for selling consumer loans

• Detailed analysis of the challenges affecting the Latin American consumer finance market

• Company profiles of the major banks in the Latin American consumer finance market

Summary

The Brazilian consumer finance market increased in value at a compound annual growth rate (CAGR) of 19.15% during the review period (2007–2011). The success of Brazilian financial services is directly related to the country's economic growth. After recording declining levels of GDP growth due to the global economic crisis in 2009, Brazilian GDP grew by positive annual growth rates of 7.5% in 2010 and 3.8% in 2011. Brazil is expected to invest a total of BRL1.3 trillion into housing, construction, and infrastructure development during 2011–2014. This is expected to support the growth of the consumer finance market, especially the mortgage lending category, over the forecast period.

The Mexican consumer finance market recorded a negative CAGR of -4.91% during the review period due to global recession. However, the consumer finance market is projected to record a positive CAGR of 12.2% over the forecast period. Mexican retailers played a significant role in raising demand for the country's consumer finance market during the review period due to continuous improvement in product offerings and strategies to increase sales and revenues.

The Chilean consumer finance market recorded a CAGR of 12.28% during the review period. The consumer finance market is projected to record a CAGR of 9.45% over the forecast period. A massive earthquake in Chile in February 2010, had a negative influence on the country's economic development and significantly affected its infrastructure by damaging roads, commercial buildings and houses. However, this provided opportunities for the mortgage lending category, as people whose houses were damaged in the earthquake started to seek finance from the government and money lenders to rebuild their houses.

Scope

• This report provides an extensive analysis on the consumer finance market in Latin America

• It details historical values for the consumer finance market in Latin America for 2007–2011, along with forecast figures for 2012–2016

• The report provides a detailed analysis on key trends and drivers, marketing strategies and challenges in the consumer finance market in Latin America

• It outlines the current regulatory framework in the industry and profiles the major banks in Latin America

• It details the marketing strategies adopted by various banks

Reasons To Buy

• Make strategic business decisions using historic and forecast market data related to the Latin American consumer finance industry and each market within it• Understand the key market trends and growth opportunities within the Latin American consumer finance market• Assess the competitive dynamics in the Latin American consumer finance market• Gain insights into the marketing strategies adopted by banks to sell consumer finance products• Gain insights into the key regulations governing the consumer finance market in Latin American countries

Key Highlights

• Robust economic growth, moderate inflation rates and increasing employment in Latin America are expected to drive the growth of consumer finance products in the region over the forecast period.

• The personal loans category was the largest product in the Brazilian consumer finance market in 2011, while the mortgage lending category was the fastest growing during the review period.

• The mortgage lending category was the largest in terms of market size in the Mexican consumer finance market, while the auto loans category was the fastest-growing, registering a CAGR of 6.81% during the review period.

• Mortgage lending was the largest and fastest-growing category in the Chilean consumer finance market during the review period .This can be attributed to robust real estate industry growth and the earthquake in 2010 which destroyed thousands of houses.

• The personal loans category was the largest in the Peruvian consumer finance market in 2011, while the auto loans category was the fastest-growing category, registering a CAGR of 27.7% during the review period.

Table of Contents

1 Executive

Summary

2 Latin American Consumer Finance Market Benchmarking2.1 Overview of Latin American Consumer Finance Markets2.2 Latin American Countries Consumer Finance Market Dynamics2.3 Macroeconomic Drivers3 Brazil3.1 Consumer Finance Market Environment3.1.1 Consumer finance segmentation3.1.2 Microeconomic fundamentals3.1.3 Consumer demand dynamics3.1.4 Consumer attitudes towards credit3.1.5 Industry indicators3.1.6 Regulatory framework3.2 Market Size and Forecast3.2.1 Overview3.2.2 Credit card loans3.2.3 Personal loans3.2.4 Payroll loans3.2.5 Auto loans3.2.6 Mortgage lending3.3 Trends and Growth Drivers3.4 Industry Structure and Competitive Landscape3.4.1 Overview3.4.2 Company profiles3.5 Strategies3.5.1 Marketing and product strategies3.5.2 Market entry strategies3.5.3 Growth strategies3.6 Challenges3.7 Future Prospects of Consumer Finance3.7.1 Overview3.7.2 Credit card loans3.7.3 Personal loans and payroll loans3.7.4 Auto loans3.7.5 Mortgage lending4 Mexico4.1 Consumer Finance Market Environment4.1.1 Consumer finance segmentation4.1.2 Macroeconomic fundamentals4.1.3 Consumer demand dynamics4.1.4 Consumer attitudes towards credit4.1.5 Industry indicators4.1.6 Regulatory framework4.2 Market Size and Forecast4.2.1 Overview4.2.2 Credit card loans4.2.3 Personal loans4.2.4 Payroll loans4.2.5 Auto loans4.2.6 Mortgage lending4.3 Trend and Drivers4.4 Industry Structure and Competitive Landscape4.4.1 Overview4.4.2 Company profiles4.5 Strategies4.5.1 Marketing and product strategies4.5.2 Market entry strategies4.5.3 Growth strategies4.6 Challenges4.7 Future Prospects of Consumer Finance4.7.1 Overview4.7.2 Credit card loans4.7.3 Personal and payroll loans4.7.4 Auto loans4.7.5 Mortgage lending5 Chile5.1 Consumer Finance Market Environment5.1.1 Consumer finance segmentation5.1.2 Macroeconomic fundamentals5.1.3 Consumer demand dynamics5.1.4 Industry indicators5.1.5 Regulatory framework5.2 Market Size and Forecast5.2.1 Overview5.2.2 Credit card loans5.2.3 Personal loans5.2.4 Payroll loans5.2.5 Auto loans5.2.6 Mortgage lending5.3 Trends and Drivers5.4 Industry Structure and Competitive Landscape5.4.1 Overview5.4.2 Company profiles5.5 Strategies5.5.1 Marketing and product strategies5.5.2 Market entry strategies5.5.3 Growth strategies5.6 Challenges5.7 Future Prospects of Consumer Finance5.7.1 Overview5.7.2 Credit card loans5.7.3 Personal loans and payroll loans5.7.4 Auto finance5.7.5 Mortgage lending6 Other Latin America Markets6.1 Peru6.1.1 Consumer finance market overview6.1.2 Macroeconomic indicators6.1.3 Regulatory framework6.1.4 Market size and growth potential - Peruvian banking industry6.2 Market Size and Forecast6.2.1 Overview6.2.2 Credit card loans6.2.3 Personal loans6.2.4 Payroll loans6.2.5 Auto loans6.2.6 Mortgage lending7 Appendix7.1 About BRICdata7.1.1 Areas of expertise7.2 Methodology7.3 Disclaimer

List of Tables

Table 1: Latin American Countries' Macroeconomic Indicators, 2011Table 2: Latin American Countries' Macroeconomic Indicators, 2011Table 3: Latin American Countries' Macroeconomic Indicators, 2016Table 4: Latin American Countries' Macroeconomic Indicators, 2016Table 5: Brazilian Population Size (Million), 2000-2050Table 6: Brazilian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016Table 7: Brazilian Banking Industry Growth by Performance Indicator (%), 2007-2016Table 8: Brazil Insurance Industry by Insurance Segment (US$ Billion), 2007-2016Table 9: Mexican Population Size (Million), 2000-2050Table 10: Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016Table 11: Mexican Banking Industry Growth by Performance Indicator (%), 2007-2016Table 12: Mexican Insurance Industry by Insurance Segment (US$ Billion), 2007-2016Table 13: Chilean Population Size (Million), 2000-2050Table 14: Chilean Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016Table 15: Chilean Banking Industry Growth by Performance Indicator (%), 2007-2016Table 16: Chilean Insurance Industry by Category (US$ Billion), 2007-2016Table 17: Peruvian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016Table 18: Peruvian Banking Industry Growth by Performance Indicator (%), 2007-2016

List of Figures

Figure 1: Credit Card Loans Market Dynamics in Latin American Countries, 2007-2016 Figure 2: Mortgage Lending Market Dynamics in Latin American Countries, 2007-2016 Figure 3: Auto Loans Market Dynamics in Latin American Countries, 2007-2016 Figure 4: Personal Loans Market Dynamics in Latin American Countries, 2007-2016 Figure 5: Payroll Loans Market Dynamics in Latin American Countries, 2007-2016 Figure 6: Brazilian Total Credit as Percentage of GDP (%), 2007-2011 Figure 7: Brazilian Transaction Volumes by Payment Methods (%), 2010 Figure 8: Brazilian Transaction Values by Payment Methods (%), 2010 Figure 9: Brazilian Transaction Value by Payment Method (BRL Billion), 2009-2013 Figure 10: Brazilian GDP at Constant Prices (BRL Billion), 2007-2016 Figure 11: Brazilian Inflation Rate (%), 2007-2016 Figure 12: Brazilian Number of Households (Million), 2007-2016 Figure 13: Brazilian FDI Inflows (US$ Billion), 2007-2011 Figure 14: Brazilian FDI as a Percentage of GDP (%), 2007-2011 Figure 15: Brazilian Annual Disposable Income (BRL Billion), 2007-2016 Figure 16: Brazilian Unemployment Rate (%), 2007-2016 Figure 17: Brazilian Urban and Rural Population (%), 2007-2016 Figure 18: Brazilian Population Size (Million), 2000-2050 Figure 19: Brazilian Population Distribution by Age Group, 2010 Figure 20: Brazilian Population by Social Class Group (Million), 2003-2014 Figure 21: Brazilian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016 Figure 22: Brazilian Banking Industry Growth by Performance Indicator (%), 2007-2016 Figure 23: Brazil Insurance Industry Dynamics (US$ Billion), 2007-2016 Figure 24: Brazilian Consumer Finance Market Dynamics, 2007-2016 Figure 25: Brazilian Credit Card Loans Market Size (US$ Billion), 2007-2016 Figure 26: Brazilian Personal Loans Market Size (US$ Billion), 2007-2016 Figure 27: Brazilian Payroll Loan Market Size (US$ Billion), 2007-2016 Figure 28: Brazilian Auto Finance Loan Market Size (US$ Billion), 2007-2016 Figure 29: Brazilian Mortgage Lending Market Size (US$ Billion), 2007-2016 Figure 30: Brazilian Consumer Finance Market Key Growth Drivers Figure 31: Brazilian Internet Penetration Rate (%), 2007-2016 Figure 32: Brazilian Leading Banks by Total Assets (%), December 2010 Figure 33: Brazilian Total Assets by Types of Banks (%), December 2010 Figure 34: Credit Card Penetration of Social Class Groups (%), 2011 Figure 35: Mexican GDP at Constant Prices (MXN Trillion), 2007-2016 Figure 36: Mexican Inflation Rate (%), 2007-2016 Figure 37: Mexican Number of Households (Million), 2007-2016 Figure 38: Mexican FDI Inflows (US$ Billion), 2007-2010 Figure 39: Mexican Annual Disposable Income (MXN Trillion), 2007-2016 Figure 40: Mexican Unemployment Rate (%), 2007-2016 Figure 41: Mexican Urban and Rural Population (%), 2007-2016 Figure 42: Mexican Population Size (Million), 2000-2050 Figure 43: Mexican Population Distribution by Age Group (%), 2007-2016 Figure 44: Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016 Figure 45: Mexican Banking Industry Growth by Performance Indicator (%), 2007-2016 Figure 46: Mexican Insurance Industry Dynamics by Insurance Segment (US$ Billion), 2007-2016 Figure 47: Mexican Consumer Finance Market Dynamics, 2007-2016 Figure 48: Mexican Credit Card Loans Category Size (US$ Billion), 2007-2016 Figure 49: Mexican Personal Loans Category Size (US$ Billion), 2007-2016 Figure 50: Mexican Payroll Loans Category Size (US$ Billion), 2007-2016 Figure 51: Mexican Auto Loans Category Size (US$ Billion), 2007-2016 Figure 52: Mexican Mortgage Lending Category Size (US$ Billion), 2007-2016 Figure 53: Mexican Consumer Finance Market Key Growth Drivers Figure 54: Mexican Leading Banking Companies by Assets (%), June 2010 Figure 55: Mexican Leading Banks by Total Assets (MXN Billion), June 2010 Figure 56: Mexican Leading Banks by Net Income (MXN Billion), December 2010 Figure 57: Mexican Banking Penetration Rate (Million), 2003-2015 Figure 58: Chilean GDP at Constant Prices (CLP Trillion), 2007-2016 Figure 59: Chilean Inflation Rate (%), 2007-2016 Figure 60: Chilean FDI Inflows (US$ Billion), 2007-2011 Figure 61: Chilean Annual Disposable Income (CLP Trillion), 2007-2016 Figure 62: Chilean Unemployment Rate (%), 2007-2016 Figure 63: Chile Urban and Rural Population (%), 2007-2016 Figure 64: Chilean Population Size(Million), 2000-2050 Figure 65: Chilean Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016 Figure 66: Chilean Banking Industry Growth by Performance Indicator (%), 2007-2016 Figure 67: Chilean Insurance Industry Dynamics (US$ Billion), 2007-2016 Figure 68: Chilean Consumer Finance Market Dynamics, 2007-2016 Figure 69: Chilean Credit Card Loans Category Size (US$ Billion), 2007-2016 Figure 70: Chile Personal Loans Category Size (US$ Billion), 2007-2016 Figure 71: Chile Payroll Loans Category Size (US$ Billion), 2007-2016 Figure 72: Chile Auto Loans Category Size (US$ Billion), 2007-2016 Figure 73: Chilean Mortgage Lending Category Size (US$ Billion), 2007-2016 Figure 74: Chilean Consumer Finance Market Key Growth Drivers Figure 75: Chilean Leading Banking Companies by Assets (%), 2011 Figure 76: Chilean 10 Leading Banks by Assets (CLP Trillion), 2011 Figure 77: Chilean 10 Leading Banks by Net Income (CLP Billion), 2011 Figure 78: Peruvian GDP at Constant Prices (PEN Billion), 2007-2016 Figure 79: Peruvian Annual Disposable Income (PEN Billion), 2007-2016 Figure 80: Peruvian Inflation Rate (%), 2007-2016 Figure 81: Peruvian Urban Rural Population (%), 2007-2016 Figure 82: Peruvian FDI Inflows (US$ Billion), 2007-2010 Figure 83: Peruvian Unemployment Rate (%), 2007-2016 Figure 84: Peruvian Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2016 Figure 85: Peruvian Banking Industry Growth by Performance Indicator (%), 2007-2016 Figure 86: Peruvian Consumer Finance Market Dynamics, 2007-2016 Figure 87: Peruvian Credit Card Loans Category Size (US$ Million), 2007-2016 Figure 88: Peruvian Personal Loans Category Size (US$ Billion), 2007-2016 Figure 89: Peruvian Payroll Loans Category Size (US$ Billion), 2007-2016 Figure 90: Peruvian Auto Loans Category Size (US$ Billion), 2007-2016 Figure 91: Peruvian Mortgage Lending Category Size,(US$ Billion), 2007-2016

Companies mentioned

Banco do BrasilBanco Itau-UnibancoBradescoSantander Brasil BBVA – BancomerBanamexGrupo Financiero SantanderBanorteBanco InbursaBanco AztecaGrupo Financiero HSBC

To order this report:Credit and Loan Industry: Emerging Opportunities in the Latin America Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

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