Opportunities in Brazil Banking Sector

Publication Date	June 2007
Publisher	RNCOS
Product Type	Report
Pages	75
ISBN Number	not applicable
Product Code	RCS00190

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Summary

The report on "Opportunities in Brazil Banking Sector" provides extensive research and in-depth analysis of the Brazilian banking sector, their product quality, and their services. This report helps clients to analyze the leading-edge opportunities critical to the success of the banking Industry in Brazil. Detailed data and analysis help investors, financial service providers, and global banking players navigate the evolving market of banks in Brazil.

Key Findings

Bank credit to both businesses and households will likely maintain its growing trend during the forecasted period (2007-2011) and Micro-Credit is set to emerge as a huge opportunity area for Brazil banking industry.
Bank deposits are forecasted to grow at the CAGR of 6.92% for period spanning 2007-2011, owing to the stabilization of macroeconomic variables and growing confidence in the soundness of the policy framework in Brazilian banking sector.
Total bank loans are forecasted to grow at a CAGR of 12.23% for the period spanning 2007-2011. Increasing lending to small and medium-size businesses will be an important driver for this growth.
Total banking assets are expected to increase at a CAGR 10.27% for the period spanning 2007-2011, due to increasing foreign banking investments & credit growth.

Key Issues and Facts Analyzed

This research report also addresses the issues and facts that are critical to the success of banking business, such as:

What is the position of Brazil banking industry with respect to the world and Latin America banking industry?
What are the emerging trends in the Brazil banking industry?
What is the future outlook of the banking industry in Brazil in terms of bank deposits, bank loans and bank assets?
Extent of foreign penetration in Brazil banking industry?
How competitive is the market landscape for banking industry in Brazil?
The nature of services driving the Banking Sector in Brazil?
What are the various opportunities and challenges of this industry?
What are the prospective areas of investment for the banks in the near future?
Which factors will lead to the growth of bankcards, loans and deposits in Brazil?

Key Products Analyzed

Key products analyzed are Deposits, Credit Cards, Debit Card, Charge Cards, Loans, ATM facility etc.

Key Players

This section provides an overview, key facts, financials and stock performance of several prominent players including Local Banks like Banco do Brasil, Banco Bradesco S.A, Banco Itau Holding Financeira and Unibanco Holding South America and Foreign Banks like ABN AMRO Holding NV, Banco Santander Central Hispano S.A, HSBC Holdings Plc, Credit Suisse Group and Deutsche Bank AG.

Research Methodology Used

Information Sources

Information has been sourced from namely, books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to access to more than 3000 paid databases.

Analysis Methods

The analysis methods include the following: Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting and Cause and Effect Analysis.

Content

1. Analyst View
2. Research Overview
3. Industry Overview
- 3.1 Worldwide Banking Industry
  - 3.1.1 By Assets
  - 3.1.2 By Deposits
  - 3.1.3 By Loans
  - 3.1.4 Banking Industry Forecast (2007-2011)
  - 3.1.5 Regional Segmentation by Loans
- 3.2 Latin America - Banking Industry
- 3.3 Brazil Banking Industry
  - 3.3.1 Types of Banks
  - 3.3.2 Top 10 Banks
    - 3.3.2.1 By Network of Branches
    - 3.3.2.2 By Assets
4. Brazil Banking Industry Performance
- 4.1 By Products
  - 4.1.1 By Payment Instruments
    - 4.1.1.1 Cheques
    - 4.1.1.2 Debit Cards
    - 4.1.1.3 Credit Cards
    - 4.1.1.4 E-money
    - 4.1.1.5 Retailer Cards
    - 4.1.1.6 Charge Cards
    - 4.1.1.7 Direct Debit
    - 4.1.1.8 Credit Transfer
    - 4.1.1.9 ATMs
  - 4.1.2 By Deposits
    - 4.1.2.1 Current Account Deposits
    - 4.1.2.2 Time & Saving Deposits
  - 4.1.3 By Loans
- 4.2 Net Interest Income
5. Industry Drivers
- 5.1 Increase in Per Head Disposable Income
- 5.2 Increase in Employment
- 5.3 Growth in Economy
- 5.4 Favorable Demographical Factor
- 5.5 Factors attracting Entry of Foreign Banks
  - 5.5.1 Banking Crisis in 1995
  - 5.5.2 Program of Privatization of State-Owned Banks (PROES)
  - 5.5.3 High Return to the Financial Institutions
6. Opportunities & Challenges
- 6.1 Opportunities
  - 6.1.1 Emergence of Corporate & Mortgage Credit
  - 6.1.2 E-Banking
  - 6.1.3 ATMs
  - 6.1.4 Payment Cards Area
  - 6.1.5 Micro Credit Sector
  - 6.1.6 T-Banking
  - 6.1.7 Increasing Bankable Household
  - 6.1.8 Increasing Lending Requirements
  - 6.1.9 Increasing Bank Deposits
  - 6.1.10 Increasing Employment
  - 6.1.11 Increasing Population
  - 6.1.12 EMV-compliant Smart Cards
- 6.2 Challenges
  - 6.2.1 Basel II Accord
  - 6.2.2 High Interest Rate Regime
  - 6.2.3 Volatility in Financial Markets
  - 6.2.4 Consolidation in the Banking Industry
  - 6.2.5 Weakening US$
7. Future Outlook
- 7.1 Bank Loans
- 7.2 Bank Deposits
- 7.3 Bank Loans/Asset Ratio
- 7.4 Bank Loans/Deposits Ratio
- 7.5 Net Interest Income
8. Major Players in Brazil Banking Industry
- 8.1 Local Banks
  - 8.1.1 Banco do Brasil
  - 8.1.2 Banco Bradesco S.A
  - 8.1.3 Banco Ita Holding Financeira
  - 8.1.4 Unibanco Holdings S.A.
- 8.2 Foreign Banks
  - 8.2.1 ABN AMRO Holding N.V
  - 8.2.2 Banco Santander Central Hispano, S.A
  - 8.2.3 HSBC Holdings Plc
  - 8.2.4 Credit Suisse Group
  - 8.2.5 Deutsche Bank AG
9. Annexure
- 9.1 Laws Regarding Bankruptcy
- 9.2 Provisions related to Investment
- 9.3 International Capital & Foreign Exchange Market Regulation
List of Figures:
- Figure 3-1: Worldwide - Banking Assets' Growth (in Billion US$), 2002-2006
- Figure 3-2: Worldwide - Growth in Banking Deposits (in Billion US$), 2002-2006
- Figure 3-3: Worldwide - Growth in Banking Loans (in Billion US$), 2002-2006
- Figure 3-4: Worldwide - Forecast for Total Bank Deposits (in Trillion US$), 2007-2011
- Figure 3-5: Worldwide - Forecast for Total Bank Loans (in Trillion US$), 2007-2011
- Figure 3-6: Worldwide - Forecast for Total Assets (in Trillion US$), 2007-2011
- Figure 3-7: Latin America - Contribution in Worldwide Banking Industry in terms of Bank Loans (in Trillion US$), 2002-2006
- Figure 3-8: Latin America - Brazil's Market Share in terms of Bank Loans (%), 2006
- Figure 3-9: Brazil - Banking Assets (in Billion US$), 2002-2006E
- Figure 3-10: Brazil - Forecast for Banking Assets (in Million US$), 2007-2011
- Figure 3-11: Brazil - Share of Private & Public Sector Banks in terms of Number of Banks (%), 2005
- Figure 4-1: Brazil - Use of Cheques as a Payment Instrument (in Million), 2000-2006E
- Figure 4-2: Brazil - Debit Cards' Transactions (in Million), 2000-2006E
- Figure 4-3: Brazil - Number of Debit Cards (in Million), 2000-2006E
- Figure 4-4: Brazil - Credit Cards' Transactions (in Million), 2000-2006E
- Figure 4-5: Brazil - Number of Credit Cards (in Million), 2000-2006E
- Figure 4-6: Brazil - Direct Debit Transactions (in Million), 2000-2006E
- Figure 4-7: Brazil - Interbank Credit Transfer (in Million), 2000-2006E
- Figure 4-8: Brazil - Number of ATM Terminals (2000-2006E)
- Figure 4-9: Brazil - Current Account Deposits (in Billion US$), 2001-2006E
- Figure 4-10: Brazil - Time & Saving Deposits (in Billion US$), 2001-2006E
- Figure 4-11: Brazil - Bank Loan (in Billion US$), 2001-2006E
- Figure 4-12: Brazil - Net Bank Interest Income (in Billion US$), 2001-2006E
- Figure 5-1: Brazil - Per Head Disposable Income (in US$), 2002-2006
- Figure 5-2: Brazil - Employment (in Million), 2001-2006E
- Figure 5-3: Brazil - Nominal GDP (in Billion US$), 2002-2006
- Figure 6-1: Brazil - Forecast for Bankable Household (in Thousand), 2007-2011
- Figure 6-2: Brazil - Forecast for Total Lending per Bankable Household (in US$), 2007-2011
- Figure 6-3: Brazil - Forecast for Employment Growth (in Million), 2007-2011
- Figure 6-4: Brazil - Forecast for Population between Age Group of 15-64 (%), 2007-2011
- Figure 7-1: Brazil - Forecast for Bank Loans (in Billion US$), 2007-2011
- Figure 7-2: Brazil - Forecast for Bank Deposits (in Billion US$), 2007-2011
- Figure 7-3: Brazil - Forecast for Bank Loans/Assets Ratio (%), 2007-2011
- Figure 7-4: Brazil - Forecast for Bank Loans/Deposits Ratio (%), 2007-2011
- Figure 7-5: Brazil - Forecast for Net Interest Income (in Billion US$), 2007-2011
List of Tables:
- Table 3-1: Worldwide - Regional Segmentation of Banking Industry in terms of Loans (in Trillion US$), 2002-2006
- Table 3-2: Brazil - Bank Types & Numbers (March 2007)
- Table 3-3: Brazil - Number of Banks by Capital Structure, 2005
- Table 3-4: Brazil - Top 10 Banks by the Network of Branches (Feb 2007)
- Table 3-5: Brazil - Top 10 Banks by Assets (in Million US$), 2005-06
- Table 5-1: Brazil - Population Break-up as per Age Group (%), 2001-2006E
- Table 8-1: Banco do Brasil - Key Financials (in Million BRL), 2005 & 2006
- Table 8-2: Banco Bradesco - Key Financials (in Million BRL), 2005 & 2006
- Table 8-3: Banco Ita - Key Financials (in Million US$), 2003-2005
- Table 8-4: Unibanco Holdings S.A. - Key Financials (in Million BRL), 2005 & 2006
- Table 8-5: ABN AMRO Holding N.V - Key Financials (Million EUR), 2004 & 2005
- Table 8-6: Banco Santander Central Hispano, S.A - Key Financials (in Million EUR), 2005 & 2006
- Table 8-7: HSBC Holding Plc - Key Financials (in Million US$), 2005 & 2006
- Table 8-8: Credit Suisse Group - Key Financials (in Million US$), 2003-2005
- Table 8-9: Deutsche Bank AG - Key Financials (Million EUR), 2005 & 2006