Middle East Banking - Corporate Loan a Hot Opportunity

Publication Date	January 2009
Publisher	RNCOS
Product Type	Report
Pages	115
ISBN Number	not applicable
Product Code	RCS00570

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Summary

The Middle East (ME) region is one of the world's fastest growing banking markets. The commercial banks that operate in competitive environment (with less direct government intervention, low market concentration and where foreign banks are allowed entry) are likely to be more efficient in coming years in the region. Most importantly, despite financial crisis in the world, banking sector in the region looks fundamentally strong, according to "Middle East Banking - Corporate Loan a Hot Opportunity", our new research report.

As per our study, we believe the global recession will have insignificant impact on the industry because of the conservative investment strategies practiced in the region. Thus, they have got least exposure to the US financial and property market and other problematic assets. This conservativeness is expected to pay in the years to come and banking sector in the region will continue to grow.

Central banks and other governing bodies in the region are taking many proactive measures to avoid any kind of discrepancies in the future, although the region is least affected compared to other parts of the world.

This research provides extensive research and in-depth analysis on the country-wise banking sector in the Middle East, their products and services. It will help clients to analyze the leading-edge opportunities critical to the success of the banking Industry in the countries of Middle East. Detailed data and analysis help investors, financial service providers and global banking players navigate through the evolving banking sector in the Middle East.

Key industry forecasts (2009-2012)

Total Middle East bank assets
Assets, loans and deposits for each country

Key Players

This section provides a business overview of several prominent players in the industry, including National Bank of Bahrain, Bank Hapoalim Ltd, National Bank of Kuwait, National Commercial Bank, Oman International Bank, Jordan Ahli Bank, Bank Saderat Iran, National Bank of Dubai, Qatar National Bank and Akbank.

Content

1. Analyst View 2. Middle East Banking Industry - An Overview 3. Market Performance - By Country 3.1 Turkey 3.1.1 Performance by Product 3.1.1.1 Bank Deposit 3.1.1.2 Bank Loan 3.1.1.3 Credit Card 3.1.1.4 Debit Card 3.1.1.5 POS and ATM Terminal 3.2 UAE 3.2.1 Performance by Product 3.2.1.1 Bank Deposit 3.2.1.2 Bank Loan 3.2.1.3 Credit Card 3.3 Israel 3.3.1 Performance by Product 3.3.1.1 Bank Deposit 3.3.1.2 Bank Loan 3.3.1.3 Credit Card 3.4 Saudi Arabia 3.4.1 Performance by Product 3.4.1.1 Bank Deposit 3.4.1.2 Bank Loan 3.4.1.3 Payment Card 3.4.1.4 POS Terminal 3.4.1.5 ATM Terminal 3.5 Iran 3.5.1 Performance by Product 3.5.1.1 Bank Deposit 3.5.1.2 Bank Loan 3.5.1.3 Payment Card 3.5.1.4 POS Terminal 3.5.1.5 ATM Terminal 3.6 Bahrain 3.6.1 Performance by Product 3.6.1.1 Bank Deposit 3.6.1.2 Bank Loan 3.6.1.3 Credit Card 3.7 Kuwait 3.7.1 Performance by Product 3.7.1.1 Bank Deposit 3.7.1.2 Bank Loan 3.7.1.3 Credit Card 3.8 Qatar 3.8.1 Performance by Product 3.8.1.1 Bank Deposit 3.8.1.2 Bank Loan 3.8.1.3 Credit Card 3.9 Jordan 3.9.1 Performance by Product 3.9.1.1 Bank Deposit 3.9.1.2 Bank Loan 3.9.1.3 Credit Card 3.10 Oman 3.10.1 Performance by Product 3.10.1.1 Bank Deposit 3.10.1.2 Bank Loan 3.10.1.3 Payment Card 4. Opportunities for Bankers in the Region 4.1 Young & Educated Population 4.2 Technology Growth 4.3 Credit Card Market 4.4 ATM and POS Terminals 4.5 Bancassurance 4.6 Microfinance 4.7 Virtual Banking 4.8 Private Banking 4.9 Expatriate Remittance Market 5. Industry Roadblocks 5.1 Global Financial Crisis - Big Blow to Investment Bankers 5.2 Majority of State-owned Banks and Highly Concentrated Market 5.3 Basel II Accords 5.4 Risk Factors 5.5 Challenges for Microfinance 6. Prominent Players in the Region 6.1 National Bank of Bahrain 6.2 Bank Hapoalim Ltd. 6.3 National Bank of Kuwait 6.4 National Commercial Bank 6.5 Oman International Bank 6.6 Jordan Ahli Bank 6.7 Bank Saderat Iran 6.8 National Bank of Dubai 6.9 Qatar National Bank 6.10 Akbank List of Figures: Figure 2-1: Middle East - Bank Assets (in Billion US$), 2003-2008 Figure 2-2: Middle East - Forecast for Bank Assets (in Billion US$), 2009-2012 Figure 3-1: Turkey - Bank Assets* (in Billion US$), 2003-2008 Figure 3-2: Turkey - Forecast for Bank Assets* (in Billion US$), 2009-2012 Figure 3-3: Turkey - Bank Deposits* (in Billion US$), 2003-2008 Figure 3-4: Turkey - Forecast for Bank Deposits* (in Billion US$), 2009-2012 Figure 3-5: Turkey - Bank Loans* (in Billion US$), 2003-2008 Figure 3-6: Turkey - Forecast for Bank Loans* (in Billion US$), 2009-2012 Figure 3-7: Turkey - Number of Credit Cards (in Million), 2003-Nov 2008 Figure 3-8: Turkey - Number of Debit Cards (in Million), 2003-Nov 2008 Figure 3-9: Turkey - Number of ATM and POS Terminals (in 000), 2003-Nov 2008 Figure 3-10: UAE - Bank Assets (in Billion AED), 2003-2008 Figure 3-11: UAE - Forecast for Bank Assets (in Billion AED), 2009-2012 Figure 3-12: UAE - Bank Deposits (in Billion AED), 2003-2008 Figure 3-13: UAE - Forecast for Bank Deposits (in Billion AED), 2009-2012 Figure 3-14: UAE - Bank Loans (in Billion AED), 2003-2008 Figure 3-15: UAE - Forecast for Bank Loans (in Billion AED), 2009-2012 Figure 3-16: UAE - Non-performing Loans (%), 2004 & 2007 Figure 3-17: UAE - Number of Credit Cards in Circulation (in Million Units), 2007 & 2010 Figure 3-18: UAE - Credit Card Penetration w.r.t Saudi Arabia and Egypt (%) Figure 3-19: Israel - Bank Assets* (in Billion US$), 2003-2008 Figure 3-20: Israel - Forecast for Bank Assets* (in Billion US$), 2009-2012 Figure 3-21: Israel - Bank Deposits* (in Billion US$), 2003-2008 Figure 3-22: Israel - Forecast for Bank Deposits* (in Billion US$), 2009-2012 Figure 3-23: Israel - Bank Loans* (in Billion US$), 2003-2008 Figure 3-24: Israel - Forecast for Bank Loans* (in Billion US$), 2009-2012 Figure 3-25: Israel - Credit Card Transactions (in Billion NIS), 2006 & 2007 Figure 3-26: Israel - Number of Credit Cards (in Million), 2006 & 2007 Figure 3-27: Israel - Market Share of Credit Card Companies (%), 2006 Figure 3-28: Saudi Arabia - Bank Assets* (in Billion US$), 2003-2008 Figure 3-29: Saudi Arabia - Forecast for Bank Assets* (in Billion US$), 2009-2012 Figure 3-30: Saudi Arabia - Bank Deposits* (in Billion US$), 2003-2008 Figure 3-31: Saudi Arabia - Forecast for Bank Deposits* (in Billion US$), 2009-2012 Figure 3-32: Saudi Arabia - Bank Loans* (in Billion US$), 2003-2008 Figure 3-33: Saudi Arabia - Forecast for Bank Loans* (in Billion US$), 2009-2012 Figure 3-34: Saudi Arabia - Payment Cards Issued by Domestic Banks (in Million), 2003-Q3 2008 Figure 3-35: Saudi Arabia - Forecast for Payment Cards Issued by Domestic Banks (in Million), 2009-2012 Figure 3-36: Saudi Arabia - Number of POS Terminals (in000 Units), 2003-Q3 2008 Figure 3-37: Saudi Arabia - Forecast for Number of POS Terminals (in000 Units), 2009-2012 Figure 3-38: Saudi Arabia - Number of ATM Terminals (2003-Q3 2008) Figure 3-39: Iran - Bank Assets* (in Billion US$), 2003-2008 Figure 3-40: Iran - Forecast for Bank Assets* (in Billion US$), 2009-2012 Figure 3-41: Iran - Bank Deposits* (in Billion US$), 2003-2008 Figure 3-42: Iran - Forecast for Bank Deposits* (in Billion US$), 2009-2012 Figure 3-43: Iran - Bank Loans* (in Billion US$), 2003-2008 Figure 3-44: Iran - Forecast for Bank Loans* (in Billion US$), 2009-2012 Figure 3-45: Bahrain - Bank Assets (in Billion US$), 2003-Nov 2008 Figure 3-46: Bahrain - Forecast for Bank Assets (in Billion US$), 2009-2012 Figure 3-47: Bahrain - Domestic Deposits (in Million BD), 2006-2008 Figure 3-48: Bahrain - Forecast for Domestic Deposits (in Million BD), 2009-2012 Figure 3-49: Bahrain - Breakup of Bank Loans by Sector (%), 2007 Figure 3-50: Kuwait - Bank Assets (in Billion KWD), 2003-2008 Figure 3-51: Kuwait - Forecast for Bank Assets (in Billion KWD), 2009-2012 Figure 3-52: Kuwait - Bank Deposits (in Billion KWD), 2003-2008 Figure 3-53: Kuwait - Forecast for Bank Deposits (in Billion KWD), 2009-2012 Figure 3-54: Kuwait - Bank Loans (in Billion KWD), 2003-2008 Figure 3-55: Kuwait - Forecast for Bank Loans (in Billion KWD), 2009-2012 Figure 3-56: Kuwait - Number of Credit Cards (in000 Units), H1 2007 & 2008 Figure 3-57: Qatar - Bank Assets* (in Billion QR), 2003-2008 Figure 3-58: Qatar - Forecast for Bank Assets* (in Billion QR), 2009-2012 Figure 3-59: Qatar - Bank Deposits* (in Billion QR), 2003-2008 Figure 3-60: Qatar - Forecast for Bank Deposits* (in Billion QR), 2009-2012 Figure 3-61: Qatar - Bank Loans (in Billion QR), 2003-2008 Figure 3-62: Qatar - Forecast for Bank Loans (in Billion QR), 2009-2012 Figure 3-63: Jordan - Bank Assets* (in Billion JD), 2003-2008 Figure 3-64: Jordan - Forecast for Bank Assets* (in Billion JD), 2009-2012 Figure 3-65: Jordan - Bank Deposits* (in Billion JD), 2003-2008 Figure 3-66: Jordan - Forecast for Bank Deposits* (in Billion JD), 2009-2012 Figure 3-67: Jordan - Bank Loans* (in Billions JD) 2003-2008 Figure 3-68: Jordan - Forecast for Bank Loans* (in Billion JD), 2009-2012 Figure 3-69: Jordan - Non-performing Loans (%), 2004-2007 Figure 3-70: Jordan - Pre-tax Profit from Credit Card Market (in Million US$), 2005 & 2006 Figure 3-71: Oman - Bank Assets* (in Billion RO), 2003-2008 Figure 3-72: Oman - Forecast for Bank Assets* (in Billion RO), 2009-2012 Figure 3-73: Oman - Bank Deposits* (in Billion RO), 2003-2008 Figure 3-74: Oman - Forecast for Bank Deposits* (in Billion RO), 2009-2012 Figure 3-75: Oman - Bank Loans (in Billion RO), 2003-2008 Figure 3-76: Oman - Forecast for Bank Loans (in Billion RO), 2009-2012 Figure 3-77: Oman - Breakup of Bank Loans by End-user (%), 2007 Figure 3-78: Oman - Non-performing Loans by Sector (%), 2007 Figure 4-1: Middle East - Percentage of Demand Fulfilled by Microfinance (2007) Figure 4-2: Middle East - High Net-worth Individuals Growth (%), 2004-2007 & 2009 List of Tables: Table 3-1: Middle East - Bank Assets by Country (in Billion US$), 2008 Table 3-2: Iran - Number of Payment Cards Issued by Bank (2005) Table 3-3: Iran - Number of POS Terminals Installed by Bank (2005) Table 3-4: Iran - Number of ATM Terminals Installed by Bank (2005) Table 3-5: Oman - Number of Commercial Banks & Branches (2003-2007)