Emerging Opportunities in the Middle East Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

Emerging Opportunities in the Middle East
Consumer Finance Market: Market Size, Strategies,
Products and Competitive Landscape

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Emerging Opportunities in the Middle East Consumer Finance Market:
Market Size, Strategies, Products and Competitive Landscape

Date: July 31, 2012
Pages: 151
Price: US$ 2,950.00
ID: ECDD0F3E9FDEN

Synopsis

The report provides market analysis, information and insights into the Middle East consumer finance
market, including:

Current and forecast values for the Middle East 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 Middle East countries
Detailed analysis of the marketing strategies adopted by banks in Middle East countries for selling
consumer loans
Detailed analysis of the challenges affecting the Middle East consumer finance market
Company profiles of the major banks in the Middle East consumer finance market

Summary

The Saudi Arabian consumer finance market valued SARXXX.X billion in 2011, after growing at a
compound annual growth rate (CAGR) of 7.44% during the review period (2007–2011). It is projected to
retain a high CAGR of 9.05% over the forecast period (2012–2016). This strong growth will be driven by the
country’s improving macroeconomic and microeconomic fundamentals, and by the increasing domestic
demand for consumer finance services. The UAE consumer finance market valued AEDXXX.X billion in
2011, after growing at a CAGR of 4.49% during the review period. It is projected to record a high CAGR of
5.09% over the forecast period (2012–2016). This robust growth will be primarily driven by the rising
disposable income of the increasing expatriate population, and increased capital inflows due to rising oil
exports. The Kuwaiti consumer finance market recorded strong growth during the review period and valued
KWDX.X billion in 2011. It is projected to register a CAGR of 9.06% over the forecast period. This strong
growth will be driven by the country’s improving macroeconomic conditions and rising domestic demand
for consumer finance products. The Egyptian consumer finance market valued EGPXXX.X billion in 2011,
after recording a CAGR of 11.51% during the review period. It is projected to continue its strong growth
over the forecast period to reach a value of EGPXXX billion in 2016. This strong growth will be driven by
the country’s improving macroeconomic fundamentals and rising domestic demand for consumer finance
products.

Scope

This report provides an extensive analysis of the consumer finance market in the Middle East
It details historical values for the consumer finance market in the Middle East for 2007–2011, along
with forecast figures for 2012–2016
The report provides a detailed analysis on key trends, drivers, marketing strategies and challenges
in the consumer finance market in the Middle East
It outlines the current regulatory frameworks in the industry
It details the marketing strategies adopted by various banks
It profiles the major banks in the Middle East

Emerging Opportunities in the Middle East Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape 2

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Reasons To Buy

Make strategic business decisions using historic and forecast market data related to the Middle
East consumer finance industry and each market within it
Understand the key market trends and growth opportunities within the Middle East consumer
finance market
Assess the competitive dynamics in the Middle East consumer finance market
Gain insights into the marketing strategies adopted by banks to sell consumer finance products
Gain insights into key regulations governing the consumer finance market in the Middle East

Key Highlights

The Saudi Arabian auto loans category increased in value at an impressive CAGR of 7.09% during
the review period.
Saudi Arabia’s rising employment levels are expected to generate increased demand for consumer
finance in the country. Unemployment in Saudi Arabia is projected to decrease from 9.8% in 2011
to 9.3% in 2016.
Personal loans is the largest category in the UAE consumer finance market, accounting for 48% of
the total market in 2011.
Foreign banks have a strong presence in the UAE, but have to follow stringent regulations
formulated and regulated by the Central Bank of the United Arab Emirates.
The law in Kuwait dictates that only 3–4% of the total area of the country can be used for private
housing. The supply of residential property in the country is, therefore, restricted by law.
The Egyptian auto loans category recorded a strong CAGR of 17.50% during the review period to
reach a value of EGP8.9 billion in 2011.
National Bank of Egypt is the largest company in the Egyptian consumer finance market with a 17%
market share in 2011.

Table of Content
1 EXECUTIVE SUMMARY

2 MIDDLE EAST CONSUMER FINANCE MARKET BENCHMARKING

2.1 Overview of Middle East Consumer Finance Markets
2.2 Middle East Countries Consumer Finance Market Dynamics
2.3 Macroeconomic Drivers

3 CONSUMER FINANCE MARKET IN SAUDI ARABIA

3.1 Outlook for Consumer Finance in Saudi Arabia
3.2 Saudi Arabian Consumer Finance Market Dynamics
3.2.1 Macroeconomic fundamentals
3.2.2 Key performance indicators
3.3 Saudi Arabian Consumer Finance Market Opportunity and Growth Potential
3.3.1 Overview
3.3.2 Personal loans
3.3.3 Credit card loans
3.3.4 Auto loans
3.3.5 Housing loans
3.3.6 Education loans
3.4 Key Trends and Growth Drivers for the Saudi Arabian Consumer Finance Market
3.5 Industry Structure and Competitive Landscape


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3.5.1 Banking industry market share
3.5.2 Company Profiles
3.6 Strategies
3.6.1 Marketing and product strategies
3.6.2 Market entry strategies
3.6.3 Expansion and growth strategies
3.7 Challenges

4 CONSUMER FINANCE MARKET ENVIRONMENT IN THE UAE

4.1 Future Outlook of Consumer Finance in the UAE
4.2 UAE Consumer Finance Market Dynamics
4.2.2 Consumer attitudes towards credit
4.2.3 Key Performance Indicators
4.2.4 Regulatory framework
4.3 UAE Consumer Finance Market Opportunity and Growth Potential
4.3.1 Overview
4.3.2 Personal Loans
4.3.4 Auto loans
4.3.5 Housing loans
4.4 Key Trends and Growth Drivers for the UAE Consumer Finance Market
4.5.1 Overview
4.5.2 Company profiles
4.6 Strategies
4.6.3 Growth strategies
4.7 Challenges

5 CONSUMER FINANCE MARKET IN KUWAIT

5.1 Future Outlook of Consumer Finance in Kuwait
5.2 Kuwaiti Consumer Finance Market Dynamics
5.2.2 Consumer attitude towards credit
5.3 Kuwaiti Consumer Finance Market Opportunity and Growth Potential
5.3.1 Overview
5.3.4 Auto loans
5.3.5 Housing loans
5.4 Key Trends and Growth Drivers for the Kuwaiti Consumer Finance Market
5.5.1 Overview
5.6 Business and Operational Strategies


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5.6.3 Expansion and growth strategies
5.7 Challenges

6 CONSUMER FINANCE MARKET IN EGYPT

6.1 Future Outlook of Consumer Finance in Egypt
6.2 Egyptian Consumer Finance Market Dynamics
6.2.2 Consumer attitudes towards credit
6.3 Market Opportunity and Growth Potential
6.3.1 Overview
6.3.4 Auto loans
6.3.5 Housing loans
6.4 Key Trends and Growth Drivers for the Egyptian Consumer Finance Market
6.5.1 Market share
6.6 Strategies
6.6.3 Growth strategies
6.7 Challenges

7 APPENDIX

7.1 About BRICdata
7.1.1 Areas of expertise
7.2 Methodology
7.3 Disclaimer

LIST OF TABLES

Table 1: Middle East Countries' Macroeconomic Indicators, 2011
Table 2: Middle East Countries' Macroeconomic Indicators, 2011
Table 3: Saudi Arabian GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Table 4: Saudi Arabian Inflation Rate (%), 2007-2016
Table 5: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (US$ Billion), 2007-2016
Table 6: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (SAR Billion), 2007-2016
Table 7: Saudi Arabian Banking Industry Growth by Performance Indictor (%), 2007-2016
Table 8: Saudi Arabian Consumer Finance Market Size (US$ Billion), 2007-2016
Table 9: Saudi Arabian Consumer Finance Market Size (SAR Billion), 2007-2016
Table 10: Saudi Arabian Personal Loans Market Size (US$ Billion), 2007-2016
Table 11: Saudi Arabian Personal Loans Market Size (SAR Billion), 2007-2016
Table 12: Saudi Arabian Credit Card Loans Market Size (US$ Billion), 2007-2016
Table 13: Saudi Arabian Credit Card Loans Market Size (SAR Billion), 2007-2016
Table 14: Saudi Arabian Auto Loans Market Size (US$ Billion), 2007-2016
Table 15: Saudi Arabian Auto Loans Market Size (SAR Billion), 2007-2016
Table 16: Saudi Arabian Housing Loans Market Size (US$ Billion), 2007-2016
Table 17: Saudi Arabian Housing Loans Market Size (SAR Billion), 2007-2016
Table 18: Saudi Arabian Education Loans Market Size (US$ Billion), 2007-2016


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Table 19: Saudi Arabian Education Loans Market Size (SAR Billion), 2007-2016
Table 20: Al-Rajhi Capital: Key Facts
Table 21: Al-Rajhi Capital: Major Products and Services
Table 22: Saudi Hollandi Bank: Key Facts
Table 23: Saudi Hollandi Bank: Major Products and Services
Table 24: Saudi Investment Bank: Key Facts
Table 25: Saudi Investment Bank: Major Products and Services
Table 26: Banque Saudi Fransi: Key Facts
Table 27: Banque Saudi Fransi: Major Products and Services
Table 28: Samba Financial Group: Key Facts
Table 29: Samba Financial Group: Major Products and Services
Table 30: Market Entry Strategy of Foreign Banks in Saudi Arabia
Table 31: Foreign Banks in Saudi Arabia
Table 32: Saudi Arabian Banking Sector Ownership Structure
Table 33: UAE Consumer Finance Market Outlook (AED Billion), 2011-2016
Table 34: UAE GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Table 35: UAE Inflation Rates (%), 2007-2016
Table 36: UAE Consumer Finance Market Size (AED Billion), 2007-2016
Table 37: UAE Consumer Finance Market Size (US$ Billion), 2007-2016
Table 38: UAE Personal Loans Market Size (AED Billion), 2007-2016
Table 39: UAE Personal Loans Market Size (US$ Billion), 2007-2016
Table 40: UAE Credit Card Loans Market Size (AED Billion), 2007-2016
Table 41: UAE Credit Card Loans Market Size (US$ Billion), 2007-2016
Table 42: UAE Auto Loan Market Size (AED Billion), 2007-2016
Table 43: UAE Housing Loan Market Size (US$ Billion), 2007-2016
Table 44: UAE Housing Loan Market Size (AED Billion), 2007-2016
Table 46: UAE Housing Loan Market Size (AED Billion), 2007-2016
Table 48: UAE Consumer Finance Market - Major Banks, 2011
Table 49: Mashreq Bank, Key Facts
Table 50: National Bank Of Abu Dhabi, Key Facts
Table 51: Emirates NBD PJSC, Key Facts
Table 52: The UAE - Major Foreign Banks
Table 53: Kuwaiti Consumer Finance Market Outlook (KWD Billion), 2011-2016
Table 54: Kuwaiti GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Table 55: Kuwaiti Inflation (%), 2007-2016
Table 56: Kuwaiti Banking Industry - Key Financial Metrics (KWD Million), FY2010
Table 57: Kuwaiti Banking Industry - Top Banks' Deposits and Gross Loans (KWD Million), FY2010
Table 58: Kuwaiti Consumer Finance Market Size (US$ Million), 2007-2016
Table 59: Kuwaiti Consumer Finance Market Size (KWD Million), 2007-2016
Table 60: Kuwaiti Personal Loans Market (US$ Million), 2007-2016
Table 61: Kuwaiti Personal Loans Market, (KWD Million), 2007-2016
Table 62: Kuwaiti Credit Cards Market (US$ Million), 2007-2016
Table 63: Kuwaiti Credit Cards Market, (KWD Million), 2007-2016
Table 64: Kuwaiti Auto Loans Market (US$ Million), 2007-2016
Table 65: Kuwaiti Auto Loans Market, (KWD Million), 2007-2016
Table 66: Kuwaiti Housing Loans Market (US$ Million), 2007-2016
Table 67: Kuwaiti Housing Loans Market, (KWD Million), 2007-2016
Table 68: Kuwaiti Education Loans Market (US$ Million), 2007-2016
Table 69: Kuwaiti Education Loans Market, (KWD Million), 2007-2016
Table 70: Kuwait - Car Sales (Million), 2007-2016
Table 71: Major Residential Projects - Kuwait (as of June 2012)
Table 72: Foreign Universities Operating in the Middle East (June 2012)
Table 73: Kuwait - Top Banks, Gross Loans, FY2010 (KWD Million)


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Table 74: Kuwaiti Banking Industry - Top Banks' Deposits and Gross Loans (KWD Million), FY2010
Table 75: National Bank of Kuwait, Key Facts
Table 76: Kuwait Finance House, Key Facts
Table 77: Gulf Bank of Kuwait, Key Facts
Table 78: Burgan Bank, Key Facts
Table 79: Al Ahli Bank of Kuwait, Key Facts
Table 80: Kuwait - List of Foreign Banks (2011)
Table 81: Kuwaiti Expatriate Population (Millions), 2007-2011
Table 82: Kuwaiti Consumer Finance Market - Share of Personal Loans to Total Loans (%), 2007-2016
Table 83: Egyptian Consumer Finance Market Outlook (EGP Billion), 2011-2016
Table 84: Egypt's GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Table 85: Egyptian Inflation Rate (%), 2007-2016
Table 86: Egypt Financial Sector Loans and Deposits (US$ Billion), 2007-2016
Table 87: Egyptian Banking Industry Growth by Performance Indictor (%), 2007-2016
Table 88: Egyptian Consumer Finance Market Size (US$ Billion), 2007-2016
Table 89: Egyptian Consumer Finance Market Size (EGP Billion), 2007-2016
Table 90: Egyptian Personal Loans Market Size (US$ Billion), 2007-2016
Table 91: Egyptian Personal Loans Market Size (EGP Billion), 2007-2016
Table 92: Egyptian Credit Cards Loans Market Size (US$ Billion), 2007-2016
Table 93: Egyptian Credit Cards Loans Market Size (EGP Billion), 2007-2016
Table 94: Egyptian Auto Loans Market Size (US$ Billion), 2007-2016
Table 95: Egyptian Auto Loans Market Size (EGP Billion), 2007-2016
Table 96: Egyptian Housing Loans Market Size (US$ Billion), 2007-2016
Table 97: Egyptian Housing Loans Market Size (EGP Billion), 2007-2016
Table 98: Egyptian Educational Loans Market Size (US$ Million), 2007-2016
Table 99: Egyptian Educational Loans Market Size (EGP Billion), 2007-2016
Table 100: Egyptian Consumer Finance Market - Leading Companies (% Share), 2011
Table 101: National Bank of Egypt (NBE), Key Facts
Table 102: Commercial International Bank, Key Facts
Table 103: National Bank for Development, Key Facts
Table 104: Housing and Development Bank, Key Facts
Table 105: Foreign Banks in Egypt
Table 106: Egypt Interest Rate (%), 2007-2011

LIST OF FIGURES

Figure 1: Credit Card Loans Market Dynamics in Middle East Countries, 2007-2016
Figure 2: Housing Loan Market Dynamics in Middle East Countries, 2007-2016
Figure 3: Auto Loans Market Dynamics in Middle East Countries, 2007-2016
Figure 4: Personal Loans Market Dynamics in Middle East Countries, 2007-2016
Figure 5: Education Loans Market Dynamics in Middle East Countries, 2007-2016
Figure 6: Saudi Arabian Future Outlook of Consumer Finance (SAR Billion)
Figure 7: Saudi Arabian GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Figure 8: Saudi Arabian Annual Disposable Income (US$ Billion), 2007-2016
Figure 9: Saudi Arabian Inflation Rate (%), 2007-2016
Figure 10: Saudi Arabian FDI Inflows (US$ Billion), 2007-2010
Figure 11: Saudi Arabian Banking Industry Value by Consumer Loans and Deposits (SAR Billion),
2007-2016
Figure 12: Saudi Arabian Banking Industry Growth by Performance Indictor (%), 2007-2016
Figure 13: Saudi Arabian Consumer Finance Market Size (SAR Billion), 2007-2016
Figure 14: Saudi Arabian Consumer Finance Market Size by Category (SAR Billion), 2007-2016
Figure 15: Saudi Arabian Personal Loans Market Size (SAR Billion), 2007-2016
Figure 16: Saudi Arabian Credit Card Loans Market Size (SAR Billion), 2007-2016
Figure 17: Saudi Arabian Auto Loans Market Size (SAR Billion), 2007-2016
Figure 18: Saudi Arabian Housing Loans Market Size (SAR Billion), 2007-2016


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Figure 19: Saudi Arabian Education Loans Market Size (SAR Billion), 2007-2016
Figure 20: Saudi Arabian Consumer Finance Market Key Growth Drivers
Figure 21: Saudi Arabian Unemployment Rate (%), 2007-2016
Figure 22: Saudi Arabian Internet Subscriber (Million), 2007-2016
Figure 23: Saudi Arabia POS Terminal, 2007-2011
Figure 24: Saudi Arabian - Passenger Car Sales (In Thousands), 2007-2016
Figure 25: Saudi Arabian Nine Leading Banks by Assets (SAR Billion), 2011
Figure 26: Saudi Arabian Leading Banks by Branches (% Share), 2011
Figure 27: Saudi Arabian Ten Leading Banks by Branches (Units), 2011
Figure 28: UAE Consumer Finance Market Outlook (AED Billion), 2011-2016
Figure 29: UAE GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Figure 30: UAE Inflation Rate (%), 2007-2016
Figure 31: UAE FDI Inflows (US$ Billion), 2007-2010
Figure 32: UAE Urban and Rural Population (%), 2007-2016
Figure 33: UAE Population (Million), 2007-2016
Figure 34: UAE Consumer Finance Market Size (AED Billion), 2007-2016
Figure 35: UAE Consumer Finance Market Dynamics, 2007-2016
Figure 36: UAE Personal Loans Market Size (AED Billion), 2007-2016
Figure 37: UAE Credit Card Loans Market Size (AED Billion), 2007-2016
Figure 38: UAE Car Loans Market Size (AED Billion), 2007-2016
Figure 39: UAE Mortgage Lending Market Size (AED Billion), 2007-2016
Figure 40: UAE Education Loans Market Size (AED Billion), 2007-2016
Figure 41: UAE Consumer Finance Market - Expansion and Growth Strategy
Figure 42: UAE Consumer Finance Market Challenges
Figure 43: Kuwaiti Consumer Finance Market Outlook
Figure 44: Kuwaiti GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Figure 45: Kuwaiti Inflation Rate (%), 2007-2016
Figure 46: Kuwaiti FDI Inflows (US$ Billion), 2007-2010
Figure 47: Kuwaiti Urban and Rural Populations (%), 2007-2016
Figure 48: Kuwaiti Population (Million), 2007-2016
Figure 49: Kuwaiti Bank Loan Portfolio by Sector, FY2010
Figure 50: Kuwaiti Consumer Finance Market Size (KWD Million), 2007-2016
Figure 51: Kuwaiti Personal Loans Market Size (KWD Million), 2007-2016
Figure 52: Kuwaiti Credit Cards Market Size (KWD Million), 2007-2016
Figure 53: Kuwaiti Auto Loans Market Size (KWD Million), 2007-2016
Figure 54: Kuwaiti Housing Loans Market Size (KWD Million), 2007-2016
Figure 55: Kuwaiti Education Loans Market Size (KWD Million), 2007-2016
Figure 56: Kuwait - Car Sales (Million), 2007-2016
Figure 57: Kuwaiti Consumer Finance Market - Expansion and Growth Strategy
Figure 58: Kuwaiti Expatriate Population (in Millions), 2007-2011
Figure 59: Kuwaiti Consumer Finance Market Challenges
Figure 60: Kuwaiti Consumer Finance Market - Share of Personal Loans to Total Loans (%), 2007-2016
Figure 61: Egyptian Consumer Finance Market Outlook
Figure 62: Egypt's GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
Figure 63: Egyptian Inflation Rate (%), 2007-2016
Figure 64: Egyptian FDI Inflows (US$ Billion), 2007-2010
Figure 65: Egyptian Urban and Rural Population, Egypt 2007-2016
Figure 66: Egyptian Population (Million), 2007-2016
Figure 67: Egypt Financial Sector Loans and Deposits (US$ Billion), 2007-2016
Figure 68: Egyptian Banking Industry Growth by Performance Indictor (%), 2007-2016
Figure 69: Egyptian Consumer Finance Market Size (EGP Billion), 2007-2016
Figure 70: Egyptian Personal Loans Market Size (EGP Billion), 2007-2016
Figure 71: Egyptian Credit Cards Loans Market Size (EGP Billion), 2007-2016
Figure 72: Egyptian Auto Loans Market Size (EGP Billion), 2007-2016
Figure 73: Egyptian Housing Loans Market Size (EGP Billion), 2007-2016


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Figure 74: Egyptian Educational Loans Market Size (EGP Billion), 2007-2016
Figure 75: Egyptian Passenger Car Sales, 2007-2016
Figure 76: Egyptian POS Terminals, 2008-2011
Figure 77: Egyptian Household Credit as a Percentage of Overall Domestic Credit (%), 2007-2011
Figure 78: Egypt - Number of Households (Million), 2007-2016
Figure 79: Egypt - Number of Banks, 2004-2011
Figure 80: Egypt - Number of Credit Cards (Million), 2008-2011
Figure 81: Egyptian Consumer Finance Market - Leading Companies (% Share), 2011
Figure 82: Egyptian Consumer Finance Market Challenges
Figure 83: Egypt Interest Rate (%), 2007-2011

COMPANIES MENTIONED

Al-Rajhi Bank
Saudi Hollandi Bank
Saudi Investment Bank
Banque Saudi Fransi
Samba Financial Group
Mashreq Bank psc
National Bank of Abu Dhabi
National Bank of Kuwait
Gulf Bank of Kuwait
Burgan Bank
Al Ahli Bank of Kuwait
National Bank of Egypt (NBE)
Commercial International Bank
National Bank for Development
Housing and Development Bank


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