• Japanese
  • Korean
  • Chinese
Cover Image

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

  • Published:
  • 138 Pages
  • BRICdata

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

Table of Contents

1 Executive Summary

2 Latin American Consumer Finance Market Benchmarking

  • 2.1 Overview of Latin American Consumer Finance Markets
  • 2.2 Latin American Countries Consumer Finance Market Dynamics
  • 2.3 Macroeconomic Drivers

3 Brazil

  • 3.1 Consumer Finance Market Environment
    • 3.1.1 Consumer finance segmentation
    • 3.1.2 Microeconomic fundamentals
    • 3.1.3 Consumer demand dynamics
    • 3.1.4 Consumer attitudes towards credit
    • 3.1.5 Industry indicators
    • 3.1.6 Regulatory framework
  • 3.2 Market Size and Forecast
    • 3.2.1 Overview
    • 3.2.2 Credit card loans
    • 3.2.3 Personal loans
    • 3.2.4 Payroll loans
    • 3.2.5 Auto loans
    • 3.2.6 Mortgage lending
  • 3.3 Trends and Growth Drivers
  • 3.4 Industry Structure and Competitive Landscape
    • 3.4.1 Overview
    • 3.4.2 Company profiles
  • 3.5 Strategies
    • 3.5.1 Marketing and product strategies
    • 3.5.2 Market entry strategies
    • 3.5.3 Growth strategies
  • 3.6 Challenges
  • 3.7 Future Prospects of Consumer Finance
    • 3.7.1 Overview
    • 3.7.2 Credit card loans
    • 3.7.3 Personal loans and payroll loans
    • 3.7.4 Auto loans
    • 3.7.5 Mortgage lending

4 Mexico

  • 4.1 Consumer Finance Market Environment
    • 4.1.1 Consumer finance segmentation
    • 4.1.2 Macroeconomic fundamentals
    • 4.1.3 Consumer demand dynamics
    • 4.1.4 Consumer attitudes towards credit
    • 4.1.5 Industry indicators
    • 4.1.6 Regulatory framework
  • 4.2 Market Size and Forecast
    • 4.2.1 Overview
    • 4.2.2 Credit card loans
    • 4.2.3 Personal loans
    • 4.2.4 Payroll loans
    • 4.2.5 Auto loans
    • 4.2.6 Mortgage lending
  • 4.3 Trend and Drivers
  • 4.4 Industry Structure and Competitive Landscape
    • 4.4.1 Overview
    • 4.4.2 Company profiles
  • 4.5 Strategies
    • 4.5.1 Marketing and product strategies
    • 4.5.2 Market entry strategies
    • 4.5.3 Growth strategies
  • 4.6 Challenges
  • 4.7 Future Prospects of Consumer Finance
    • 4.7.1 Overview
    • 4.7.2 Credit card loans
    • 4.7.3 Personal and payroll loans
    • 4.7.4 Auto loans
    • 4.7.5 Mortgage lending

5 Chile

  • 5.1 Consumer Finance Market Environment
    • 5.1.1 Consumer finance segmentation
    • 5.1.2 Macroeconomic fundamentals
    • 5.1.3 Consumer demand dynamics
    • 5.1.4 Industry indicators
    • 5.1.5 Regulatory framework
  • 5.2 Market Size and Forecast
    • 5.2.1 Overview
    • 5.2.2 Credit card loans
    • 5.2.3 Personal loans
    • 5.2.4 Payroll loans
    • 5.2.5 Auto loans
    • 5.2.6 Mortgage lending
  • 5.3 Trends and Drivers
  • 5.4 Industry Structure and Competitive Landscape
    • 5.4.1 Overview
    • 5.4.2 Company profiles
  • 5.5 Strategies
    • 5.5.1 Marketing and product strategies
    • 5.5.2 Market entry strategies
    • 5.5.3 Growth strategies
  • 5.6 Challenges
  • 5.7 Future Prospects of Consumer Finance
    • 5.7.1 Overview
    • 5.7.2 Credit card loans
    • 5.7.3 Personal loans and payroll loans
    • 5.7.4 Auto finance
    • 5.7.5 Mortgage lending

6 Other Latin America Markets

  • 6.1 Peru
    • 6.1.1 Consumer finance market overview
    • 6.1.2 Macroeconomic indicators
    • 6.1.3 Regulatory framework
    • 6.1.4 Market size and growth potential - Peruvian banking industry
  • 6.2 Market Size and Forecast
    • 6.2.1 Overview
    • 6.2.2 Credit card loans
    • 6.2.3 Personal loans
    • 6.2.4 Payroll loans
    • 6.2.5 Auto loans
    • 6.2.6 Mortgage lending

7 Appendix

  • 7.1 About BRICdata
    • 7.1.1 Areas of expertise
  • 7.2 Methodology
  • 7.3 Disclaimer

List of Tables

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