Emerging Opportunities in the South African Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape: Market Profile

Document Sample
Emerging Opportunities in the South African Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape: Market Profile Powered By Docstoc
					                           Emerging Opportunities in the
                           South African Consumer Finance
                           Market: Market Size, Strategies,
                           Products and Competitive
                           Landscape: Market Profile
                           Market Profile
                           Reference code: FS1136MP
BRICdata
                           Published: September 2012
John Carpenter House
7 Carmelite Street
London EC4Y 0BS
United Kingdom
Tel: +44 (0)20 7936 6400
Fax: +44 (0)20 7336 6813


www.bricdata.com




                                                       www.bricdata.com
 TABLE OF CONTENTS




TABLE OF CONTENTS
1         Sub-Saharan Africa – Consumer Finance Market Benchmarking .................................................... 5
1.1       Sub-Saharan Africa – Consumer Finance Market Dynamics.................................................................. 5
1.1.1     Housing loans .......................................................................................................................................... 6
1.1.2     Personal loans ......................................................................................................................................... 7
1.1.3     Auto loans ................................................................................................................................................ 8
1.1.4     Credit card loans...................................................................................................................................... 9
1.1.5     Education loans ..................................................................................................................................... 10
1.2       Macroeconomic Factors ........................................................................................................................ 11
2         Consumer Finance Market in South Africa ....................................................................................... 12
2.1       Outlook of Consumer Finance in South Africa ...................................................................................... 12
2.2       South African Consumer Finance Market Dynamics............................................................................. 14
2.2.1     Macroeconomic fundamentals ............................................................................................................... 14
2.2.2     Consumer attitude towards credit .......................................................................................................... 18
2.2.3     Key performance indicators ................................................................................................................... 18
2.2.4     Regulatory framework ........................................................................................................................... 22
2.3       South African Consumer Finance Market Size and Growth Potential ................................................... 23
2.3.1     Overview ................................................................................................................................................ 23
2.3.2     Personal loans ....................................................................................................................................... 25
2.3.3     Credit card loans.................................................................................................................................... 26
2.3.4     Auto loans .............................................................................................................................................. 27
2.3.5     Housing loans ........................................................................................................................................ 28
2.3.6     Education loans ..................................................................................................................................... 29
2.4       Key Trends and Growth Drivers for the South African Consumer Finance Market .............................. 30
2.5       Industry Structure and Competitive Landscape .................................................................................... 33
2.5.1     Company profiles ................................................................................................................................... 34
2.6       Strategies ............................................................................................................................................... 35
2.6.1     Marketing and product strategies .......................................................................................................... 35
2.6.2     Market entry strategies .......................................................................................................................... 36
2.6.3     Expansion and growth strategies .......................................................................................................... 37
2.7       Challenges ............................................................................................................................................. 38
3         Appendix .............................................................................................................................................. 39
3.1       About BRICdata ..................................................................................................................................... 39
3.1.1     Exchange rate........................................................................................................................................ 39
3.1.2     Areas of expertise .................................................................................................................................. 39
3.2       Methodology .......................................................................................................................................... 40
3.3       Disclaimer .............................................................................................................................................. 41




Emerging Opportunities in the South African Consumer Finance Market: Market Size, Strategies,
                                                                                                                                                              Page 2
Products and Competitive Landscape: Market Profile
© BRICdata. This product is licensed and is not to be photocopied                                                                   Published: September 2012
 TABLE OF CONTENTS




LIST OF FIGURES
Figure 1: Consumer Finance Market Dynamics in Sub-Saharan African Countries, 2007–2016 .......................................................... 5
Figure 2: Housing Loan Market Dynamics in Sub-Saharan African Countries, 2007–2016 .................................................................. 6
Figure 3: Personal Loans Market Dynamics in Key Sub-Saharan African Countries, 2007–2016 ........................................................ 7
Figure 4: Auto Loans Market Dynamics in Key Sub-Saharan African Countries, 2007–2016 ............................................................... 8
Figure 5: Credit Card Loans Market Dynamics in Key Sub-Saharan African Countries, 2007–2016 .................................................... 9
Figure 6: Education Loans Market Dynamics in Key Sub-Saharan African Countries, 2007–2016 .................................................... 10
Figure 7: South Africa – Future Outlook for Consumer Finance (ZAR Billion) .................................................................................... 13
Figure 8: South African GDP at Constant Prices (US$ Billion), 2007–2016 (Base Year 1999–2000)................................................... 14
Figure 9: South African Inflation Rate (%), 2007–2016 .......................................................................................................................... 15
Figure 10: South African FDI Inflows (US$ Billion), 2007–2010 ............................................................................................................ 16
Figure 11: South African Urban and Rural Population (%), 2007–2016 ................................................................................................ 17
Figure 12: South African Banking Industry Value by Consumer Loans and Deposits (US$ Billion), 2007–2016 .............................. 20
Figure 13: South African Banking Industry Growth by Performance Indictor (%), 2007–2016 ........................................................... 21
Figure 14: South African Consumer Finance Market Size (ZAR Billion), 2007–2016 .......................................................................... 23
Figure 15: South African Consumer Finance Market Size by Category (ZAR Billion), 2007–2016 ..................................................... 24
Figure 16: South African Personal Loans Category Size (ZAR Billion), 2007–2016 ............................................................................ 25
Figure 17: South African Credit Card Loans Category Size (ZAR Billion), 2007–2016 ........................................................................ 26
Figure 18: South African Auto Loans Category Size (ZAR Billion), 2007–2016 ................................................................................... 27
Figure 19: South African Housing Loans Category Size (ZAR Billion), 2007–2016 ............................................................................. 28
Figure 20: South African Education Loans Category Size (ZAR Billion), 2007–2016 .......................................................................... 29
Figure 21: South African Number of Households (Million), 2007–2016................................................................................................ 30
Figure 22: South Africa Mobile Penetration Rate (%), 2007–2016 ........................................................................................................ 31
Figure 23: Top Ten South African Banks by Assets (ZAR Billion), 2011 ............................................................................................. 33
Figure 24: Market Shares of South African Banks (% Share), 2011 ..................................................................................................... 33
Figure 25: Expansion and Growth Strategies – South Africa .............................................................................................................. 37
Figure 26: South African Consumer Finance Market Challenges......................................................................................................... 38




Emerging Opportunities in the South African Consumer Finance Market: Market Size, Strategies,
   
				
DOCUMENT INFO
Shared By:
Stats:
views:11
posted:11/12/2012
language:English
pages:41
BUY THIS DOCUMENT NOW PRICE: $500 100% MONEY BACK GUARANTEED
PARTNER BRICdata
BRICdata publishes in-depth strategic intelligence reports that help its customers better understand opportunities in emerging markets and industry sectors. Our reports provide an independent, expert view supported by primary research and access to leading data and intelligence sources. BRICdata is a comprehensive source of insights and analysis: we publish a broad spectrum of reports across a number of different industry sectors, including consumer, retail, financial services, technology, telecoms and construction. BRICdata is headquartered in London, with research, analysis and account management teams based across Europe, the US and Asia-Pacific. Our global research footprint is supported by a network of external associates, data partners and industry experts to give us the clearest perspective on emerging markets.