Consumer Lending in Malaysia
Euromonitor International
November 2020

List OF CONTENTS AND TABLES

EXECUTIVE SUMMARY
COVID-19 impact on consumer lending
COVID-19 country impact
Plans to aid economic recovery includes incentives to take up loans
Pandemic strengthens trend for online loan applications in addition to repayment assistance plans
Gross lending for mortgages/housing takes significant hit following emergence of pandemic despite attractive deals from property developers
What next for consumer lending?
MARKET DATA
Table 1 Consumer Lending: Outstanding Balance by Category: Value 2015-2020
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020
Table 3 Consumer Lending: Gross Lending by Category: Value 2015-2020
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2020-2025
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2020-2025
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
DISCLAIMER
GLOBAL MACROECONOMIC ENVIRONMENT
GLOBAL INDUSTRY ENVIRONMENT
SOURCES
Summary 1 Research Sources
KEY DATA FINDINGS
2020 IMPACT
Consumers' financial insecurity as a result of the pandemic results in deferred payment programmes by banks, driving up outstanding balance in 2020
Banks look to extend offers of assistance to customers likely to struggle beyond 2020
Government launches fourth financial stimulus package in June and tax relief on cars in an effort to support auto lending
RECOVERY AND OPPORTUNITIES
Significant uptick in growth by gross lending in 2021 but overall value unlikely to reach pre-pandemic levels until 2024
Strong performance predicted for other personal lending as consumers rely on personal loans due to decreased incomes while consolidating card debt
Stronger performance for education lending as deferred payment plan set to end
CATEGORY DATA
Table 13 Consumer Credit: Outstanding Balance by Category: Value 2015-2020
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020
Table 15 Consumer Credit: Gross Lending by Category: Value 2015-2020
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2020-2025
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2020-2025
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025