Consumer Lending in Brazil

Description

Brazilians are well-acquainted with dividing payments into instalments, a practice prevalent in both traditional retail credit (known as "crediario") and credit card payments. The compounding effects of inflation, a challenging job market, and reduced consumer purchasing power are pushing individuals to seek credit. In response, lenders are diversifying their array of credit options. Considering these multifaceted challenges, lenders are working to facilitate easier access to credit as a means t...

Euromonitor International's Consumer Lending in Brazil report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

Get a detailed picture of the Consumer Lending market;
Pinpoint growth sectors and identify factors driving change;
Understand the competitive environment, the market's major players and leading brands;
Use five-year forecasts to assess how the market is predicted to develop.

Product Code: FCBRcl

List Of Contents And Tables

EXECUTIVE SUMMARY

Consumer lending in 2023: The big picture
2023 key trends
Cars can now be accepted as down payment when buying property
Brazil debates ending interest-free credit card instalments, impacting consumers and businesses
What next for consumer lending?

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2018-2023
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
Table 3 Consumer Lending: Gross Lending by Category: Value 2018-2023
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2023-2028
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2023-2028
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2023-2028
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2023-2028

DISCLAIMER

SOURCES

Summary 1 Research Sources

CONSUMER CREDIT IN BRAZIL

KEY DATA FINDINGS

2023 DEVELOPMENTS

Increasing default levels lead to launch of debt negotiation initiatives
Brazilians increasingly embrace digital banking, fostering tailored financial products
Discussions on the possible end to interest-free instalment payments heat up the debate on indebtedness

PROSPECTS AND OPPORTUNITIES

Despite improved financial access, low financial education leads to high debt and default risk
Economic challenges and consumer demands drive credit expansion
Central Bank considers ending interest-free instalments, sparking concerns among retailers and service providers

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2018-2023
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
Table 15 Consumer Credit: Gross Lending by Category: Value 2018-2023
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2023-2028
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2023-2028
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2023-2028
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2023-2028