Consumer Credit in South Africa

Financial strains, caused predominantly by a poor economic climate, continued to hurt South African consumers’ credit ratings through 2011. Although institutions have begun to (somewhat) ease consumer lending standards compared to previous years, many consumers are still excluded as their credit records remain impinged by old debts. At the time of writing, credit associations estimated that only 53% of South Africans were in good standing with credit bureaus and were able to obtain loans from...

Euromonitor International's Consumer Credit in South Africa 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: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

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 Credit 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.

Euromonitor International has over 30 years experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago and Sydney and a network of over 600 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.

Contents

Headlines
Trends
Competitive Landscape
Prospects
Category Data
  Table 1 Consumer Credit By Category: Outstanding Balance: Value 2006-2011
  Table 2 Consumer Credit By Category: Outstanding Balance: % Value Growth 2006-2011
  Table 3 Consumer Credit By Category: Gross Lending: Value 2006-2011
  Table 4 Consumer Credit By Category: Gross Lending: % Value Growth 2006-2011
  Table 5 Forecast Consumer Credit By Category: Outstanding Balance: Value 2011-2016
  Table 6 Forecast Consumer Credit By Category: Outstanding Balance: % Value Growth 2011-2016
  Table 7 Forecast Consumer Credit By Category: Gross Lending: Value 2011-2016
  Table 8 Forecast Consumer Credit By Category: Gross Lending: % Value Growth 2011-2016
Executive Summary
Economic Overview
Big Four Dominate the Market
Education Lending Shows Most Growth
Credit Records Remain Impinged
Legislation Becoming Clearer Through Landmark Judgments
Key Trends and Developments
Poor Housing Market Continues To Effect Mortgage Lending
South African Economic Slowdown
Legislation Still Lacking But Becoming Clearer Through Landmark Judgments
Peer-to-peer Lending on the Increase
Big Four Aggressively Looking Outside South Africa
Market Data
  Table 9 Consumer Lending By Category: Outstanding Balance: Value 2006-2011
  Table 10 Consumer Lending By Category: Outstanding Balance: % Value Growth 2006-2011
  Table 11 Consumer Lending By Category: Gross Lending: Value 2006-2011
  Table 12 Consumer Lending By Category: Gross Lending: % Value Growth 2006-2011
  Table 13 Consumer Lending: Non-performing Loans 2006-2011
  Table 14 Mortgages/Housing: Non-performing Loans 2006-2011
  Table 15 Consumer Credit: Non-performing Loans 2006-2011
  Table 16 Card Lending: Non-performing Loans 2006-2011
  Table 17 Forecast Consumer Lending By Category: Outstanding Balance: Value 2011-2016
  Table 18 Forecast Consumer Lending By Category: Outstanding Balance: % Value Growth 2011-2016
  Table 19 Forecast Consumer Lending By Category: Gross Lending: Value 2011-2016
  Table 20 Forecast Consumer Lending By Category: Gross Lending: % Value Growth 2011-2016
Definitions
Summary 1 Research Sources
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