Documents
Resources
Learning Center
Upload
Plans & pricing Sign in
Sign Out

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

VIEWS: 8 PAGES: 42

  • pg 1
									                           Emerging Opportunities in the
                           Kenyan Consumer Finance
                           Market: Market Size, Strategies,
                           Products and Competitive
                           Landscape: Market Profile
                           Market Profile
                           Reference code: FS1138MP
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 Kenya.................................................................................................. 12
2.1       Future Outlook of Consumer Finance in Kenya .................................................................................... 12
2.2       Kenyan 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 ........................................................................................................................... 19
2.3       Kenya Consumer Finance Market Size and Growth Potential .............................................................. 20
2.3.1     Overview ................................................................................................................................................ 20
2.3.2     Personal loans ....................................................................................................................................... 21
2.3.3     Credit card loans.................................................................................................................................... 22
2.3.4     Auto loans .............................................................................................................................................. 23
2.3.5     Housing loans ........................................................................................................................................ 24
2.3.6     Education loans ..................................................................................................................................... 25
2.4       Key Trends and Growth Drivers for the Kenyan Consumer Finance Market ........................................ 26
2.5       Industry Structure and Competitive Landscape .................................................................................... 29
2.5.1     Market share of Kenyan banks by assets ............................................................................................. 30
2.5.2     Market share of Kenyan banks by number of loan accounts ................................................................ 31
2.5.3     Housing loans market share .................................................................................................................. 32
2.5.4     Company profiles ................................................................................................................................... 33
2.6       Strategies ............................................................................................................................................... 35
2.6.1     Marketing and product strategies .......................................................................................................... 35
2.6.2     Market entry strategies .......................................................................................................................... 36
2.6.3     Growth strategies................................................................................................................................... 37
2.7       Challenges ............................................................................................................................................. 38
3         Appendix .............................................................................................................................................. 40
3.1       About BRICdata ..................................................................................................................................... 40
3.1.1     Exchange rate........................................................................................................................................ 40
3.1.2     Areas of expertise .................................................................................................................................. 40
3.2       Methodology .......................................................................................................................................... 41
3.3       Disclaimer .............................................................................................................................................. 42




Emerging Opportunities in the Kenyan Consumer Finance Market: Market Size, Strategies, Products and
                                                                                                                                                              Page 2
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: Kenyan Consumer Finance Market Dynamics by Category, 2007–2016 .............................................................................. 13
Figure 8: Kenyan GDP at Constant Prices (US$ Billion), 2007–2016 (Base Year 1999–2000) ............................................................. 14
Figure 9: Kenyan Inflation Rate (%), 2007–2016 .................................................................................................................................... 15
Figure 10: Kenyan FDI Inflows (US$ Million), 2007–2010 ...................................................................................................................... 16
Figure 11: Kenyan Urban and Rural Populations, 2007–2016............................................................................................................... 17
Figure 12: Kenyan Banks Total Assets (KES Billion), 2007–2011 ........................................................................................................ 18
Figure 13: Kenyan Commercial Banks Total Deposits (KES Billion), 2007–2011 ................................................................................ 19
Figure 14: Kenyan Consumer Finance Market Size (KES Billion), 2007–2016 ..................................................................................... 20
Figure 15: Kenyan Personal Loans Category Size (KES Billion), 2007–2016 ...................................................................................... 21
Figure 16: Kenyan Credit Cards Loans Category Size (KES Billion), 2007–2016 ................................................................................ 22
Figure 17: Kenyan Auto Loans Category Size (KES Billion), 2007–2016 ............................................................................................. 23
Figure 18: Kenyan Housing Loans Category Size (KES Billion), 2007–2016 ....................................................................................... 24
Figure 19: Kenyan Educational Loans Category Size (KES Billion), 2007–2016 ................................................................................. 25
Figure 20: Kenyan Housing Loan Accounts, 2007–2011....................................................................................................................... 26
Figure 21: Kenyan Bank Non-Performing Loan Ratio (%), 2007–2011 ................................................................................................. 27
Figure 22: Kenyan POS Terminals, 2007–2011 ...................................................................................................................................... 27
Figure 23: Kenyan Credit Card, 2007–2011 ............................................................................................................................................ 28
Figure 24: Kenyan Banking Industry Structure, December 2011 ......................................................................................................... 29
Figure 25: Kenyan Banking Industry Structure – Ownership vs Assets, December 2011 .......................................
								
To top