Emerging Opportunities in the Middle East Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

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Synopsis

The report provides market analysis, information and insights into the Middle East consumer finance market, including:• Current and forecast values for the Middle East 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 Middle East countries• Detailed analysis of the marketing strategies adopted by banks in Middle East countries for selling consumer loans • Detailed analysis of the challenges affecting the Middle East consumer finance market• Company profiles of the major banks in the Middle East consumer finance market

Summary

The Saudi Arabian consumer finance market valued SARXXX.X billion in 2011, after growing at a compound annual growth rate (CAGR) of 7.44% during the review period (2007–2011). It is projected to retain a high CAGR of 9.05% over the forecast period (2012–2016). This strong growth will be driven by the country's improving macroeconomic and microeconomic fundamentals, and by the increasing domestic demand for consumer finance services. The UAE consumer finance market valued AEDXXX.X billion in 2011, after growing at a CAGR of 4.49% during the review period. It is projected to record a high CAGR of 5.09% over the forecast period (2012–2016). This robust growth will be primarily driven by the rising disposable income of the increasing expatriate population, and increased capital inflows due to rising oil exports. The Kuwaiti consumer finance market recorded strong growth during the review period and valued KWDX.X billion in 2011. It is projected to register a CAGR of 9.06% over the forecast period. This strong growth will be driven by the country's improving macroeconomic conditions and rising domestic demand for consumer finance products. The Egyptian consumer finance market valued EGPXXX.X billion in 2011, after recording a CAGR of 11.51% during the review period. It is projected to continue its strong growth over the forecast period to reach a value of EGPXXX billion in 2016. This strong growth will be driven by the country's improving macroeconomic fundamentals and rising domestic demand for consumer finance products.

Scope

• This report provides an extensive analysis of the consumer finance market in the Middle East• It details historical values for the consumer finance market in the Middle East for 2007–2011, along with forecast figures for 2012–2016• The report provides a detailed analysis on key trends, drivers, marketing strategies and challenges in the consumer finance market in the Middle East• It outlines the current regulatory frameworks in the industry• It details the marketing strategies adopted by various banks• It profiles the major banks in the Middle East

Reasons To Buy

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

Key Highlights

• The Saudi Arabian auto loans category increased in value at an impressive CAGR of 7.09% during the review period.• Saudi Arabia's rising employment levels are expected to generate increased demand for consumer finance in the country. Unemployment in Saudi Arabia is projected to decrease from 9.8% in 2011 to 9.3% in 2016. • Personal loans is the largest category in the UAE consumer finance market, accounting for 48% of the total market in 2011. • Foreign banks have a strong presence in the UAE, but have to follow stringent regulations formulated and regulated by the Central Bank of the United Arab Emirates.• The law in Kuwait dictates that only 3–4% of the total area of the country can be used for private housing. The supply of residential property in the country is, therefore, restricted by law.• The Egyptian auto loans category recorded a strong CAGR of 17.50% during the review period to reach a value of EGP8.9 billion in 2011.• National Bank of Egypt is the largest company in the Egyptian consumer finance market with a 17% market share in 2011.Table of Contents1 Executive Summary2 Middle East Consumer Finance Market Benchmarking2.1 Overview of Middle East Consumer Finance Markets2.2 Middle East Countries Consumer Finance Market Dynamics2.3 Macroeconomic Drivers3 Consumer Finance Market in Saudi Arabia3.1 Outlook for Consumer Finance in Saudi Arabia3.2 Saudi Arabian Consumer Finance Market Dynamics3.2.1 Macroeconomic fundamentals3.2.2 Key performance indicators3.3 Saudi Arabian Consumer Finance Market Opportunity and Growth Potential3.3.1 Overview3.3.2 Personal loans3.3.3 Credit card loans3.3.4 Auto loans3.3.5 Housing loans3.3.6 Education loans3.4 Key Trends and Growth Drivers for the Saudi Arabian Consumer Finance Market3.5 Industry Structure and Competitive Landscape3.5.1 Banking industry market share3.5.2 Company Profiles3.6 Strategies3.6.1 Marketing and product strategies3.6.2 Market entry strategies3.6.3 Expansion and growth strategies3.7 Challenges4 Consumer Finance Market Environment in the UAE4.1 Future Outlook of Consumer Finance in the UAE4.2 UAE Consumer Finance Market Dynamics4.2.1 Macroeconomic fundamentals4.2.2 Consumer attitudes towards credit4.2.3 Key Performance Indicators4.2.4 Regulatory framework4.3 UAE Consumer Finance Market Opportunity and Growth Potential4.3.1 Overview4.3.2 Personal Loans4.3.3 Credit card loans4.3.4 Auto loans4.3.5 Housing loans4.3.6 Education loans4.4 Key Trends and Growth Drivers for the UAE Consumer Finance Market4.5 Industry Structure and Competitive Landscape4.5.1 Overview4.5.2 Company profiles4.6 Strategies4.6.1 Marketing and product strategies4.6.2 Market entry strategies4.6.3 Growth strategies4.7 Challenges5 Consumer Finance Market in Kuwait5.1 Future Outlook of Consumer Finance in Kuwait5.2 Kuwaiti Consumer Finance Market Dynamics5.2.1 Macroeconomic fundamentals5.2.2 Consumer attitude towards credit5.2.3 Key performance indicators5.2.4 Regulatory framework5.3 Kuwaiti Consumer Finance Market Opportunity and Growth Potential5.3.1 Overview5.3.2 Personal loans5.3.3 Credit card loans5.3.4 Auto loans5.3.5 Housing loans5.3.6 Education loans5.4 Key Trends and Growth Drivers for the Kuwaiti Consumer Finance Market5.5 Industry Structure and Competitive Landscape5.5.1 Overview5.5.2 Company profiles5.6 Business and Operational Strategies5.6.1 Marketing and product strategies5.6.2 Market entry strategies5.6.3 Expansion and growth strategies5.7 Challenges6 Consumer Finance Market in Egypt6.1 Future Outlook of Consumer Finance in Egypt6.2 Egyptian Consumer Finance Market Dynamics6.2.1 Macroeconomic fundamentals6.2.2 Consumer attitudes towards credit6.2.3 Key performance indicators6.2.4 Regulatory framework6.3 Market Opportunity and Growth Potential6.3.1 Overview6.3.2 Personal loans6.3.3 Credit card loans6.3.4 Auto loans6.3.5 Housing loans6.3.6 Education loans6.4 Key Trends and Growth Drivers for the Egyptian Consumer Finance Market6.5 Industry Structure and Competitive Landscape6.5.1 Market share6.5.2 Company profiles6.6 Strategies6.6.1 Marketing and product strategies6.6.2 Market entry strategies6.6.3 Growth strategies6.7 Challenges7 Appendix7.1 About BRICdata7.1.1 Areas of expertise7.2 Methodology7.3 DisclaimerList of TablesTable 1: Middle East Countries' Macroeconomic Indicators, 2011Table 2: Middle East Countries' Macroeconomic Indicators, 2011Table 3: Saudi Arabian GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Table 4: Saudi Arabian Inflation Rate (%), 2007-2016Table 5: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (US$ Billion), 2007-2016Table 6: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (SAR Billion), 2007-2016Table 7: Saudi Arabian Banking Industry Growth by Performance Indictor (%), 2007-2016Table 8: Saudi Arabian Consumer Finance Market Size (US$ Billion), 2007-2016Table 9: Saudi Arabian Consumer Finance Market Size (SAR Billion), 2007-2016Table 10: Saudi Arabian Personal Loans Market Size (US$ Billion), 2007-2016Table 11: Saudi Arabian Personal Loans Market Size (SAR Billion), 2007-2016Table 12: Saudi Arabian Credit Card Loans Market Size (US$ Billion), 2007-2016Table 13: Saudi Arabian Credit Card Loans Market Size (SAR Billion), 2007-2016Table 14: Saudi Arabian Auto Loans Market Size (US$ Billion), 2007-2016Table 15: Saudi Arabian Auto Loans Market Size (SAR Billion), 2007-2016Table 16: Saudi Arabian Housing Loans Market Size (US$ Billion), 2007-2016Table 17: Saudi Arabian Housing Loans Market Size (SAR Billion), 2007-2016Table 18: Saudi Arabian Education Loans Market Size (US$ Billion), 2007-2016Table 19: Saudi Arabian Education Loans Market Size (SAR Billion), 2007-2016Table 20: Al-Rajhi Capital: Key FactsTable 21: Al-Rajhi Capital: Major Products and ServicesTable 22: Saudi Hollandi Bank: Key FactsTable 23: Saudi Hollandi Bank: Major Products and ServicesTable 24: Saudi Investment Bank: Key FactsTable 25: Saudi Investment Bank: Major Products and ServicesTable 26: Banque Saudi Fransi: Key FactsTable 27: Banque Saudi Fransi: Major Products and ServicesTable 28: Samba Financial Group: Key FactsTable 29: Samba Financial Group: Major Products and ServicesTable 30: Market Entry Strategy of Foreign Banks in Saudi ArabiaTable 31: Foreign Banks in Saudi ArabiaTable 32: Saudi Arabian Banking Sector Ownership StructureTable 33: UAE Consumer Finance Market Outlook (AED Billion), 2011-2016Table 34: UAE GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Table 35: UAE Inflation Rates (%), 2007-2016Table 36: UAE Consumer Finance Market Size (AED Billion), 2007-2016Table 37: UAE Consumer Finance Market Size (US$ Billion), 2007-2016Table 38: UAE Personal Loans Market Size (AED Billion), 2007-2016Table 39: UAE Personal Loans Market Size (US$ Billion), 2007-2016Table 40: UAE Credit Card Loans Market Size (AED Billion), 2007-2016Table 41: UAE Credit Card Loans Market Size (US$ Billion), 2007-2016Table 42: UAE Auto Loan Market Size (AED Billion), 2007-2016Table 43: UAE Housing Loan Market Size (US$ Billion), 2007-2016Table 44: UAE Housing Loan Market Size (AED Billion), 2007-2016Table 45: UAE Housing Loan Market Size (US$ Billion), 2007-2016Table 46: UAE Housing Loan Market Size (AED Billion), 2007-2016Table 47: UAE Housing Loan Market Size (US$ Billion), 2007-2016Table 48: UAE Consumer Finance Market - Major Banks, 2011Table 49: Mashreq Bank, Key FactsTable 50: National Bank Of Abu Dhabi, Key FactsTable 51: Emirates NBD PJSC, Key FactsTable 52: The UAE - Major Foreign BanksTable 53: Kuwaiti Consumer Finance Market Outlook (KWD Billion), 2011-2016Table 54: Kuwaiti GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Table 55: Kuwaiti Inflation (%), 2007-2016Table 56: Kuwaiti Banking Industry - Key Financial Metrics (KWD Million), FY2010Table 57: Kuwaiti Banking Industry - Top Banks' Deposits and Gross Loans (KWD Million), FY2010Table 58: Kuwaiti Consumer Finance Market Size (US$ Million), 2007-2016Table 59: Kuwaiti Consumer Finance Market Size (KWD Million), 2007-2016Table 60: Kuwaiti Personal Loans Market (US$ Million), 2007-2016Table 61: Kuwaiti Personal Loans Market, (KWD Million), 2007-2016Table 62: Kuwaiti Credit Cards Market (US$ Million), 2007-2016Table 63: Kuwaiti Credit Cards Market, (KWD Million), 2007-2016Table 64: Kuwaiti Auto Loans Market (US$ Million), 2007-2016Table 65: Kuwaiti Auto Loans Market, (KWD Million), 2007-2016Table 66: Kuwaiti Housing Loans Market (US$ Million), 2007-2016Table 67: Kuwaiti Housing Loans Market, (KWD Million), 2007-2016Table 68: Kuwaiti Education Loans Market (US$ Million), 2007-2016Table 69: Kuwaiti Education Loans Market, (KWD Million), 2007-2016Table 70: Kuwait - Car Sales (Million), 2007-2016Table 71: Major Residential Projects - Kuwait (as of June 2012)Table 72: Foreign Universities Operating in the Middle East (June 2012)Table 73: Kuwait - Top Banks, Gross Loans, FY2010 (KWD Million)Table 74: Kuwaiti Banking Industry - Top Banks' Deposits and Gross Loans (KWD Million), FY2010Table 75: National Bank of Kuwait, Key FactsTable 76: Kuwait Finance House, Key FactsTable 77: Gulf Bank of Kuwait, Key FactsTable 78: Burgan Bank, Key FactsTable 79: Al Ahli Bank of Kuwait, Key FactsTable 80: Kuwait - List of Foreign Banks (2011)Table 81: Kuwaiti Expatriate Population (Millions), 2007-2011Table 82: Kuwaiti Consumer Finance Market - Share of Personal Loans to Total Loans (%), 2007-2016Table 83: Egyptian Consumer Finance Market Outlook (EGP Billion), 2011-2016Table 84: Egypt's GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Table 85: Egyptian Inflation Rate (%), 2007-2016Table 86: Egypt Financial Sector Loans and Deposits (US$ Billion), 2007-2016Table 87: Egyptian Banking Industry Growth by Performance Indictor (%), 2007-2016Table 88: Egyptian Consumer Finance Market Size (US$ Billion), 2007-2016Table 89: Egyptian Consumer Finance Market Size (EGP Billion), 2007-2016Table 90: Egyptian Personal Loans Market Size (US$ Billion), 2007-2016Table 91: Egyptian Personal Loans Market Size (EGP Billion), 2007-2016Table 92: Egyptian Credit Cards Loans Market Size (US$ Billion), 2007-2016Table 93: Egyptian Credit Cards Loans Market Size (EGP Billion), 2007-2016Table 94: Egyptian Auto Loans Market Size (US$ Billion), 2007-2016Table 95: Egyptian Auto Loans Market Size (EGP Billion), 2007-2016Table 96: Egyptian Housing Loans Market Size (US$ Billion), 2007-2016Table 97: Egyptian Housing Loans Market Size (EGP Billion), 2007-2016Table 98: Egyptian Educational Loans Market Size (US$ Million), 2007-2016Table 99: Egyptian Educational Loans Market Size (EGP Billion), 2007-2016Table 100: Egyptian Consumer Finance Market - Leading Companies (% Share), 2011Table 101: National Bank of Egypt (NBE), Key FactsTable 102: Commercial International Bank, Key FactsTable 103: National Bank for Development, Key FactsTable 104: Housing and Development Bank, Key FactsTable 105: Foreign Banks in EgyptTable 106: Egypt Interest Rate (%), 2007-2011List of FiguresFigure 1: Credit Card Loans Market Dynamics in Middle East Countries, 2007-2016Figure 2: Housing Loan Market Dynamics in Middle East Countries, 2007-2016Figure 3: Auto Loans Market Dynamics in Middle East Countries, 2007-2016Figure 4: Personal Loans Market Dynamics in Middle East Countries, 2007-2016Figure 5: Education Loans Market Dynamics in Middle East Countries, 2007-2016Figure 6: Saudi Arabian Future Outlook of Consumer Finance (SAR Billion)Figure 7: Saudi Arabian GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Figure 8: Saudi Arabian Annual Disposable Income (US$ Billion), 2007-2016Figure 9: Saudi Arabian Inflation Rate (%), 2007-2016Figure 10: Saudi Arabian FDI Inflows (US$ Billion), 2007-2010Figure 11: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (SAR Billion), 2007-2016Figure 12: Saudi Arabian Banking Industry Growth by Performance Indictor (%), 2007-2016Figure 13: Saudi Arabian Consumer Finance Market Size (SAR Billion), 2007-2016Figure 14: Saudi Arabian Consumer Finance Market Size by Category (SAR Billion), 2007-2016Figure 15: Saudi Arabian Personal Loans Market Size (SAR Billion), 2007-2016Figure 16: Saudi Arabian Credit Card Loans Market Size (SAR Billion), 2007-2016Figure 17: Saudi Arabian Auto Loans Market Size (SAR Billion), 2007-2016Figure 18: Saudi Arabian Housing Loans Market Size (SAR Billion), 2007-2016Figure 19: Saudi Arabian Education Loans Market Size (SAR Billion), 2007-2016Figure 20: Saudi Arabian Consumer Finance Market Key Growth DriversFigure 21: Saudi Arabian Unemployment Rate (%), 2007-2016Figure 22: Saudi Arabian Internet Subscriber (Million), 2007-2016Figure 23: Saudi Arabia POS Terminal, 2007-2011Figure 24: Saudi Arabian - Passenger Car Sales (In Thousands), 2007-2016Figure 25: Saudi Arabian Nine Leading Banks by Assets (SAR Billion), 2011Figure 26: Saudi Arabian Leading Banks by Branches (% Share), 2011Figure 27: Saudi Arabian Ten Leading Banks by Branches (Units), 2011Figure 28: UAE Consumer Finance Market Outlook (AED Billion), 2011-2016Figure 29: UAE GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Figure 30: UAE Inflation Rate (%), 2007-2016Figure 31: UAE FDI Inflows (US$ Billion), 2007-2010Figure 32: UAE Urban and Rural Population (%), 2007-2016Figure 33: UAE Population (Million), 2007-2016Figure 34: UAE Consumer Finance Market Size (AED Billion), 2007-2016Figure 35: UAE Consumer Finance Market Dynamics, 2007-2016Figure 36: UAE Personal Loans Market Size (AED Billion), 2007-2016Figure 37: UAE Credit Card Loans Market Size (AED Billion), 2007-2016Figure 38: UAE Car Loans Market Size (AED Billion), 2007-2016Figure 39: UAE Mortgage Lending Market Size (AED Billion), 2007-2016Figure 40: UAE Education Loans Market Size (AED Billion), 2007-2016Figure 41: UAE Consumer Finance Market - Expansion and Growth StrategyFigure 42: UAE Consumer Finance Market ChallengesFigure 43: Kuwaiti Consumer Finance Market OutlookFigure 44: Kuwaiti GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Figure 45: Kuwaiti Inflation Rate (%), 2007-2016Figure 46: Kuwaiti FDI Inflows (US$ Billion), 2007-2010Figure 47: Kuwaiti Urban and Rural Populations (%), 2007-2016Figure 48: Kuwaiti Population (Million), 2007-2016Figure 49: Kuwaiti Bank Loan Portfolio by Sector, FY2010Figure 50: Kuwaiti Consumer Finance Market Size (KWD Million), 2007-2016Figure 51: Kuwaiti Personal Loans Market Size (KWD Million), 2007-2016Figure 52: Kuwaiti Credit Cards Market Size (KWD Million), 2007-2016Figure 53: Kuwaiti Auto Loans Market Size (KWD Million), 2007-2016Figure 54: Kuwaiti Housing Loans Market Size (KWD Million), 2007-2016Figure 55: Kuwaiti Education Loans Market Size (KWD Million), 2007-2016Figure 56: Kuwait - Car Sales (Million), 2007-2016Figure 57: Kuwaiti Consumer Finance Market - Expansion and Growth StrategyFigure 58: Kuwaiti Expatriate Population (in Millions), 2007-2011Figure 59: Kuwaiti Consumer Finance Market ChallengesFigure 60: Kuwaiti Consumer Finance Market - Share of Personal Loans to Total Loans (%), 2007-2016Figure 61: Egyptian Consumer Finance Market OutlookFigure 62: Egypt's GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)Figure 63: Egyptian Inflation Rate (%), 2007-2016Figure 64: Egyptian FDI Inflows (US$ Billion), 2007-2010Figure 65: Egyptian Urban and Rural Population, Egypt 2007-2016Figure 66: Egyptian Population (Million), 2007-2016Figure 67: Egypt Financial Sector Loans and Deposits (US$ Billion), 2007-2016Figure 68: Egyptian Banking Industry Growth by Performance Indictor (%), 2007-2016Figure 69: Egyptian Consumer Finance Market Size (EGP Billion), 2007-2016Figure 70: Egyptian Personal Loans Market Size (EGP Billion), 2007-2016Figure 71: Egyptian Credit Cards Loans Market Size (EGP Billion), 2007-2016Figure 72: Egyptian Auto Loans Market Size (EGP Billion), 2007-2016Figure 73: Egyptian Housing Loans Market Size (EGP Billion), 2007-2016Figure 74: Egyptian Educational Loans Market Size (EGP Billion), 2007-2016Figure 75: Egyptian Passenger Car Sales, 2007-2016Figure 76: Egyptian POS Terminals, 2008-2011Figure 77: Egyptian Household Credit as a Percentage of Overall Domestic Credit (%), 2007-2011Figure 78: Egypt - Number of Households (Million), 2007-2016Figure 79: Egypt - Number of Banks, 2004-2011Figure 80: Egypt - Number of Credit Cards (Million), 2008-2011Figure 81: Egyptian Consumer Finance Market - Leading Companies (% Share), 2011Figure 82: Egyptian Consumer Finance Market ChallengesFigure 83: Egypt Interest Rate (%), 2007-2011

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