Brazil Commercial Banking Report

Publication Date	October 2006
Publisher	Business Monitor
Product Type	Report
Pages	45
ISBN Number	not applicable
Product Code	BMI00072

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£395.00
approximately: $577 | €433

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Summary

Key Issues

The Brazilian banking system is very large and is presently growing its loan book quite aggressively. Brazil is enjoying a period of good economic conditions. It has a surplus on both the current account and the fiscal budget as well as a regime of falling interest rates.

On the other hand the level of foreign debt remains very high and only a minor setback could trigger a financial crisis. The challenge for Brazil is to achieve a sustained period of economic stability and avoid the debilitating cyclical swings of the past.

We are maintaining an optimistic forecast at this time. We expect total assets in the banking system to grow at 20% per annum (pa) through to 2010. Deposits will grow more slowly at 10% and loans more quickly at 25%. This can be achieved by diverting some of the assets from bonds to loans. Brazil's banks presently hold an extremely high 40% of their assets in bond portfolios.

Changes To This Quarter's Commercial Banking Forecast

We have made a number of improvements to the commercial banking reports this quarter. In particular, we have collated information about banks' capital and bond portfolios.

We have looked at capital primarily because we wanted to produce a clearer picture of the banks' balance sheets and, in particular, the liabilities side. We are now much better able to quantify liabilities that are not deposits.

We collated information about the bond portfolios because we wanted to gain additional insights about the risks with which the banks are involved. Across all the countries that we have surveyed, the commercial banks are major investors in government securities. In some instances, the banks are large holders of bonds - by any standard. In other instances, the banks' holdings of securities represent a very substantial portion of their total assets.

Content

Chapter 1 - Key Issues
- Changes To This Quarter's Commercial Banking Forecast
- Brazil Commercial Banking SWOT
Chapter 2 - Latest Developments - Q306
Chapter 3 - International Context - Lending Trends And External Accounts
- Table: Comparison Of Lending Trends And External Accounts - Latin America
- Table: Comparison Of Lending Trends And External Accounts - Latin America
Chapter 4 - International Context - Total Assets, Loans And Deposits
- Table: Latin America - Comparison Of Total Assets, Loans And Deposits
Chapter 5 - International Context - Year-on-Year Growth Rates
- Table: Latin America
Chapter 6 - International Context - Per-Capita Deposits
- Table: Latin America - Comparison Of Per-Capita Deposits (US$)
Chapter 7 - Macroeconomic Trends And Developments
- Economics: CHAPTER - BMI Core Scenario
- Politics: CHAPTER - BMI Core Scenario
- Economic Activity
- Table: Economic Activity - Historical Data And Forecasts
Chapter 8 - Industry Forecast Scenario
- Comment On The Past
- Table: Levels As At Saturday December 31 2005
- Table: Annual Growth Rate Projections 2006-2010
- Comment On Forecasts
- Comment On Trends
- Table: Latin America - Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios
Chapter 9 - Banks' Bond Portfolios
- Table: Latin America - Bond Portfolios
Chapter 10 - Competitive Landscape
- Table: Competitive Landscape: Snapshot Of Brazil's Commercial Banks As At December 30 2004 (US$mn)
Chapter 11 - Variations In Competitive Landscape
- Table: Variation In Competitive Landscape, 2004
Chapter 12 - Market Protagonists
Chapter 13 - Methodology
- Process Used For Commercial Banking Reports
Chapter 14 - Appendix: Regional Demographic Dat
- Table: Wages (ave per annum), US$
- Table: Population
- Table: Household Spending Per Capita, US$
- Table: Private Consumption Per Capita, US$ PPP
- Table: Market Size, GDP, US$bn
Chapter 15 - Country Snapshot: Brazil Demographic Data
- Section 1: Population:
- Table: Demographic Indicators (2005)
- Table: Rural/Urban Breakdown
- Section 2: Education & Healthcare
- Table: Education
- Table: Healthcare: Vital Statistics
- Table: Healthcare: Expenditure
- Section 3: Labour Market And Spending Power
- Table: Employment Indicators
- Table: Consumption and Stratification
- Table: Wages Per Year

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Product features / use

Scope	Expert Insight/Opinion
Level	General Industry Strategies
Data	Detailed Market Forecasts
Profiles	Profiles of Key Companies
Features	Contains SWOT Analysis
Extra Info	Consumer Trends Highlighted