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

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									                           Emerging Opportunities in the
                           Botswana Consumer Finance
                           Market: Market Size, Strategies,
                           Products and Competitive
                           Landscape: Market Profile
                           Market Profile
                           Reference code: FS1139MP
BRICdata
                           Published: September 2012
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 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 Botswana ........................................................................................... 12
2.1       Future Outlook of Consumer Finance in Botswana ............................................................................... 12
2.2       Botswanan Consumer Finance Market Dynamics ................................................................................ 14
2.2.1     Macroeconomic fundamentals ............................................................................................................... 14
2.2.2     Consumer attitudes towards Credit ....................................................................................................... 18
2.2.3     Key performance indicators ................................................................................................................... 19
2.2.4     Regulatory framework ........................................................................................................................... 21
2.3       Botswana Consumer Finance Market Size and Growth Potential ........................................................ 22
2.3.1     Overview ................................................................................................................................................ 22
2.3.2     Housing loans ........................................................................................................................................ 23
2.3.3     Auto loans .............................................................................................................................................. 24
2.3.4     Credit card loans.................................................................................................................................... 25
2.3.5     Personal loans ....................................................................................................................................... 26
2.3.6     Education loans ..................................................................................................................................... 27
2.4       Key Trends and Growth Drivers for the Botswana Consumer Finance Market .................................... 28
2.5       Industry Structure and Competitive Landscape .................................................................................... 32
2.5.1     Overview ................................................................................................................................................ 32
2.5.2     Company profiles ................................................................................................................................... 34
2.6       Business and Operational Strategies .................................................................................................... 40
2.6.1     Marketing and product strategies .......................................................................................................... 40
2.6.2     Market entry strategies .......................................................................................................................... 41
2.6.3     Expansion and growth strategies .......................................................................................................... 42
2.7       Challenges ............................................................................................................................................. 43
3         Appendix .............................................................................................................................................. 44
3.1       About BRICdata ..................................................................................................................................... 44
3.1.1     Exchange rate........................................................................................................................................ 44
3.1.2     Areas of expertise .................................................................................................................................. 44
3.2       Methodology .......................................................................................................................................... 45
3.3       Disclaimer .............................................................................................................................................. 46




Emerging Opportunities in the Botswana Consumer Finance Market: Market Size, Strategies, Products
                                                                                                                                                              Page 2
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: Botswanan Consumer Finance Market Outlook .................................................................................................................... 13
Figure 8: Botswanan GDP at Constant Prices (US$ Billion), 2007–2016 (Base Year 1999–2000) ....................................................... 14
Figure 9: Botswanan Inflation Rate (%), 2007–2016 .............................................................................................................................. 15
Figure 10: Botswanan FDI Inflows (US$ Billion), 2007–2010 ................................................................................................................ 16
Figure 11: Botswanan Urban and Rural Populations (%), 2007–2016 .................................................................................................. 17
Figure 12: Botswanan Commercial Banks – Total Assets (BWP Billion), 2007–2011 ......................................................................... 19
Figure 13: Botswanan Commercial Banks – Total Deposits (BWP Billion), 2007–2011 ...................................................................... 20
Figure 14: Botswanan Consumer Finance Market Size (BWP Million), 2007–2016 ............................................................................. 22
Figure 15: Botswanan Housing Loans Category Size (BWP Million), 2007–2016 ................................................................................ 23
Figure 16: Botswanan Auto Loans Category Size (BWP Million), 2007–2016 ...................................................................................... 24
Figure 17: Botswanan Credit Cards Category Size (BWP Million), 2007–2016 .................................................................................... 25
Figure 18: Botswanan Personal Loans Category Size (BWP Million), 2007–2016 ............................................................................... 26
Figure 19: Botswanan Education Loans Category Size (BWP Million), 2007–2016 ............................................................................. 27
Figure 20: Botswana – Three-to-Five-Year Loan Values (BWP Billion), 2007–2011 ............................................................................ 28
Figure 21: Botswanan Interest Rate (%), 2007–2011 ............................................................................................................................. 29
Figure 22: Botswana – Number of Credit Cards Issued (Thousands), 2006–2010 .............................................................................. 30
Figure 23: Botswanan Transactions through POS Terminals (Thousands), 2007–2011 ..................................................................... 31
Figure 24: Market Shares of Botswanan Banks (by Assets), 2010 ....................................................................................................... 32
Figure 25: Botswanan Consumer Finance Market – Expansion and Growth Strategy ....................................................................... 42
Figure 26: Botswanan Consumer Finance Market Challenges ............................................................................................................. 43




Emerging Opportunities in the Botswana Consumer Finance Market: Market Size, Strategies, Products
                                                                                                                                                                         Page 3
and Competitive Landscape: Market Profile
© BRICdata. This product is licensed and is not to be photocopied                                                                             Published: September 2012
  TABLE OF CONTENTS




LIST OF TABLES
Table 1: Sub-Saharan African Countries’ Macroeconomic Conditions, 2011 ...................................................................................... 11
Table 2: Sub-Saharan African Countries’ Macroeconomic Indicators, 2011 ....................................................................................... 11
Table 3: Botswana Consumer Finance Market Outlook (BWP Million), 2011–2016 ......................................................................
								
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